Home > Community Bank, Destin > Income and Expense
Community Bank, Destin, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,762,000 | 6,304 |
| Total interest expense | $168,000 | 6,545 |
| Net interest income | $1,594,000 | 6,203 |
| Provision for loan and lease losses | $93,000 | 4,755 |
| Total noninterest income | $21,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $6,000 | 6,832 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $15,000 | 6,343 |
| Total noninterest expense | $1,236,000 | 6,369 |
| Salaries and employee benefits | $759,000 | 6,168 |
| Premises and equipment expense | $115,000 | 6,410 |
| Additional noninterest expense | $362,000 | 6,456 |
| Pre-tax net operating income | $286,000 | 5,462 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $105,000 | 3,476 |
| Income before extraordinary items | $181,000 | 5,843 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $181,000 | 5,842 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $181,000 | 5,843 |
| Net charge-offs | $0 | 5,985 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 573 |
| Net operating income | $181,000 | 5,667 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $702,000 | 6,919 |
| Total interest expense | $69,000 | 6,960 |
| Net interest income | $633,000 | 6,883 |
| Provision for loan and lease losses | $37,000 | 5,144 |
| Total noninterest income | $-14,000 | 6,971 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $2,000 | 6,956 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-16,000 | 6,757 |
| Total noninterest expense | $478,000 | 6,973 |
| Salaries and employee benefits | $327,000 | 6,807 |
| Premises and equipment expense | $42,000 | 6,934 |
| Additional noninterest expense | $109,000 | 7,067 |
| Pre-tax net operating income | $104,000 | 5,993 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $36,000 | 3,940 |
| Income before extraordinary items | $68,000 | 6,217 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $68,000 | 6,215 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $68,000 | 6,216 |
| Net charge-offs | $0 | 5,771 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 541 |
| Net operating income | $68,000 | 6,082 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,944,000 | 5,071 |
| Total interest expense | $281,000 | 5,132 |
| Net interest income | $1,663,000 | 4,979 |
| Provision for loan and lease losses | $60,000 | 4,338 |
| Total noninterest income | $69,000 | 6,153 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $11,000 | 6,769 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 5,301 |
| Total noninterest expense | $1,426,000 | 4,930 |
| Salaries and employee benefits | $835,000 | 4,623 |
| Premises and equipment expense | $127,000 | 5,388 |
| Additional noninterest expense | $464,000 | 5,038 |
| Pre-tax net operating income | $246,000 | 5,075 |
| Securities gains (losses) | $1,000 | 3,081 |
| Applicable income taxes | $84,000 | 3,199 |
| Income before extraordinary items | $163,000 | 5,563 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $163,000 | 5,562 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $163,000 | 5,562 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 666 |
| Net operating income | $162,340 | 5,382 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 5,128 |
| Total interest expense | $146,000 | 5,148 |
| Net interest income | $820,000 | 5,037 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $32,000 | 6,305 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $5,000 | 6,835 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $27,000 | 5,460 |
| Total noninterest expense | $723,000 | 4,916 |
| Salaries and employee benefits | $420,000 | 4,653 |
| Premises and equipment expense | $65,000 | 5,356 |
| Additional noninterest expense | $238,000 | 4,981 |
| Pre-tax net operating income | $99,000 | 5,411 |
| Securities gains (losses) | $1,000 | 2,095 |
| Applicable income taxes | $34,000 | 3,353 |
| Income before extraordinary items | $66,000 | 5,796 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $66,000 | 5,796 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $66,000 | 5,796 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 597 |
| Net operating income | $65,340 | 5,659 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,498,000 | 5,451 |
| Total interest expense | $825,000 | 4,848 |
| Net interest income | $2,673,000 | 5,514 |
| Provision for loan and lease losses | $116,000 | 5,221 |
| Total noninterest income | $226,000 | 5,586 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $25,000 | 6,683 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $201,000 | 4,459 |
| Total noninterest expense | $2,637,000 | 5,212 |
| Salaries and employee benefits | $1,486,000 | 4,990 |
| Premises and equipment expense | $247,000 | 5,632 |
| Additional noninterest expense | $904,000 | 5,147 |
| Pre-tax net operating income | $146,000 | 5,620 |
| Securities gains (losses) | $40,000 | 2,721 |
| Applicable income taxes | $54,000 | 3,727 |
| Income before extraordinary items | $132,000 | 5,769 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $132,000 | 5,771 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $132,000 | 5,771 |
| Net charge-offs | $0 | 6,441 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 798 |
| Net operating income | $103,600 | 5,752 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,590,000 | 5,538 |
| Total interest expense | $654,000 | 4,846 |
| Net interest income | $1,936,000 | 5,623 |
| Provision for loan and lease losses | $60,000 | 5,396 |
| Total noninterest income | $195,000 | 5,506 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $20,000 | 6,703 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $175,000 | 4,294 |
| Total noninterest expense | $2,008,000 | 5,186 |
| Salaries and employee benefits | $1,126,000 | 4,951 |
| Premises and equipment expense | $188,000 | 5,647 |
| Additional noninterest expense | $694,000 | 5,121 |
| Pre-tax net operating income | $63,000 | 5,949 |
| Securities gains (losses) | $37,000 | 2,520 |
| Applicable income taxes | $26,000 | 3,940 |
| Income before extraordinary items | $74,000 | 5,997 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $74,000 | 5,998 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $74,000 | 5,998 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 762 |
| Net operating income | $46,620 | 5,999 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 5,612 |
| Total interest expense | $456,000 | 4,850 |
| Net interest income | $1,241,000 | 5,733 |
| Provision for loan and lease losses | $50,000 | 5,106 |
| Total noninterest income | $156,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $14,000 | 6,716 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $142,000 | 4,045 |
| Total noninterest expense | $1,344,000 | 5,228 |
| Salaries and employee benefits | $741,000 | 5,024 |
| Premises and equipment expense | $126,000 | 5,671 |
| Additional noninterest expense | $477,000 | 5,110 |
| Pre-tax net operating income | $3,000 | 6,174 |
| Securities gains (losses) | $16,000 | 2,184 |
| Applicable income taxes | $1,000 | 4,573 |
| Income before extraordinary items | $18,000 | 6,203 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $18,000 | 6,203 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $18,000 | 6,203 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 699 |
| Net operating income | $2,800 | 6,212 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $824,000 | 5,717 |
| Total interest expense | $238,000 | 4,860 |
| Net interest income | $586,000 | 5,875 |
| Provision for loan and lease losses | $29,000 | 4,780 |
| Total noninterest income | $31,000 | 6,457 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $9,000 | 6,596 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $22,000 | 5,717 |
| Total noninterest expense | $668,000 | 5,275 |
| Salaries and employee benefits | $371,000 | 5,067 |
| Premises and equipment expense | $62,000 | 5,763 |
| Additional noninterest expense | $235,000 | 5,152 |
| Pre-tax net operating income | $-80,000 | 6,639 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-28,000 | 7,118 |
| Income before extraordinary items | $-52,000 | 6,589 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-52,000 | 6,590 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-52,000 | 6,589 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 628 |
| Net operating income | $-52,000 | 6,575 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,624,000 | 6,294 |
| Total interest expense | $953,000 | 5,328 |
| Net interest income | $1,671,000 | 6,560 |
| Provision for loan and lease losses | $265,000 | 5,013 |
| Total noninterest income | $197,000 | 5,975 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,534 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $169,000 | 4,821 |
| Total noninterest expense | $2,999,000 | 5,020 |
| Salaries and employee benefits | $1,356,000 | 5,332 |
| Premises and equipment expense | $281,000 | 5,568 |
| Additional noninterest expense | $1,362,000 | 4,264 |
| Pre-tax net operating income | $-1,396,000 | 6,623 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-500,000 | 7,169 |
| Income before extraordinary items | $-896,000 | 6,546 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-896,000 | 6,547 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-896,000 | 6,547 |
| Net charge-offs | $43,000 | 6,009 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 842 |
| Net operating income | $-896,000 | 6,508 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,847,000 | 6,517 |
| Total interest expense | $690,000 | 5,565 |
| Net interest income | $1,157,000 | 6,774 |
| Provision for loan and lease losses | $223,000 | 4,760 |
| Total noninterest income | $166,000 | 5,941 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $20,000 | 6,646 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $146,000 | 4,687 |
| Total noninterest expense | $2,265,000 | 5,028 |
| Salaries and employee benefits | $993,000 | 5,434 |
| Premises and equipment expense | $219,000 | 5,530 |
| Additional noninterest expense | $1,053,000 | 4,164 |
| Pre-tax net operating income | $-1,165,000 | 6,840 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-419,000 | 7,336 |
| Income before extraordinary items | $-746,000 | 6,800 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-746,000 | 6,799 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-746,000 | 6,800 |
| Net charge-offs | $43,000 | 5,615 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 793 |
| Net operating income | $-746,000 | 6,752 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 6,661 |
| Total interest expense | $437,000 | 5,779 |
| Net interest income | $717,000 | 6,909 |
| Provision for loan and lease losses | $207,000 | 4,169 |
| Total noninterest income | $135,000 | 5,660 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $12,000 | 6,717 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $123,000 | 4,300 |
| Total noninterest expense | $1,564,000 | 4,935 |
| Salaries and employee benefits | $634,000 | 5,596 |
| Premises and equipment expense | $152,000 | 5,483 |
| Additional noninterest expense | $778,000 | 3,860 |
| Pre-tax net operating income | $-919,000 | 6,974 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-333,000 | 7,414 |
| Income before extraordinary items | $-586,000 | 6,914 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-586,000 | 6,914 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-586,000 | 6,914 |
| Net charge-offs | $-9,000 | 7,464 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 727 |
| Net operating income | $-586,000 | 6,876 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $549,000 | 6,828 |
| Total interest expense | $200,000 | 6,084 |
| Net interest income | $349,000 | 7,021 |
| Provision for loan and lease losses | $175,000 | 3,173 |
| Total noninterest income | $100,000 | 5,050 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $3,000 | 6,921 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $97,000 | 3,571 |
| Total noninterest expense | $908,000 | 4,559 |
| Salaries and employee benefits | $344,000 | 5,416 |
| Premises and equipment expense | $78,000 | 5,503 |
| Additional noninterest expense | $486,000 | 3,264 |
| Pre-tax net operating income | $-634,000 | 7,260 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-230,000 | 7,586 |
| Income before extraordinary items | $-404,000 | 7,184 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-404,000 | 7,186 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-404,000 | 7,185 |
| Net charge-offs | $15,000 | 4,608 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 664 |
| Net operating income | $-404,000 | 7,163 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,864,000 | 7,163 |
| Total interest expense | $909,000 | 6,223 |
| Net interest income | $955,000 | 7,482 |
| Provision for loan and lease losses | $711,000 | 4,016 |
| Total noninterest income | $91,000 | 7,050 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $13,000 | 6,982 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $78,000 | 5,945 |
| Total noninterest expense | $3,274,000 | 4,926 |
| Salaries and employee benefits | $1,334,000 | 5,534 |
| Premises and equipment expense | $327,000 | 5,461 |
| Additional noninterest expense | $1,613,000 | 3,890 |
| Pre-tax net operating income | $-2,939,000 | 6,883 |
| Securities gains (losses) | $3,000 | 3,532 |
| Applicable income taxes | $-1,045,000 | 7,298 |
| Income before extraordinary items | $-1,891,000 | 6,714 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,891,000 | 6,712 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,891,000 | 6,712 |
| Net charge-offs | $761,000 | 3,245 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 1,006 |
| Net operating income | $-1,892,920 | 6,710 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,329,000 | 7,308 |
| Total interest expense | $710,000 | 6,272 |
| Net interest income | $619,000 | 7,673 |
| Provision for loan and lease losses | $211,000 | 5,085 |
| Total noninterest income | $53,000 | 7,371 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $10,000 | 7,028 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $43,000 | 6,371 |
| Total noninterest expense | $2,350,000 | 5,057 |
| Salaries and employee benefits | $1,083,000 | 5,346 |
| Premises and equipment expense | $267,000 | 5,317 |
| Additional noninterest expense | $1,000,000 | 4,389 |
| Pre-tax net operating income | $-1,889,000 | 7,008 |
| Securities gains (losses) | $3,000 | 3,260 |
| Applicable income taxes | $-666,000 | 7,423 |
| Income before extraordinary items | $-1,220,000 | 6,863 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,220,000 | 6,865 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,220,000 | 6,865 |
| Net charge-offs | $214,000 | 4,175 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 926 |
| Net operating income | $-1,221,950 | 6,853 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $839,000 | 7,448 |
| Total interest expense | $481,000 | 6,358 |
| Net interest income | $358,000 | 7,818 |
| Provision for loan and lease losses | $100,000 | 5,300 |
| Total noninterest income | $34,000 | 7,444 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $6,000 | 7,103 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $28,000 | 6,469 |
| Total noninterest expense | $1,578,000 | 5,093 |
| Salaries and employee benefits | $751,000 | 5,296 |
| Premises and equipment expense | $176,000 | 5,399 |
| Additional noninterest expense | $651,000 | 4,484 |
| Pre-tax net operating income | $-1,286,000 | 7,153 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-457,000 | 7,554 |
| Income before extraordinary items | $-829,000 | 7,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-829,000 | 7,036 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-829,000 | 7,037 |
| Net charge-offs | $214,000 | 3,346 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 890 |
| Net operating income | $-829,000 | 7,026 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $427,000 | 7,481 |
| Total interest expense | $237,000 | 6,499 |
| Net interest income | $190,000 | 7,827 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $17,000 | 7,517 |
| 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 | $12,000 | 6,706 |
| Total noninterest expense | $809,000 | 4,913 |
| Salaries and employee benefits | $395,000 | 5,185 |
| Premises and equipment expense | $87,000 | 5,464 |
| Additional noninterest expense | $327,000 | 4,143 |
| Pre-tax net operating income | $-602,000 | 7,416 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-204,000 | 7,715 |
| Income before extraordinary items | $-398,000 | 7,341 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-398,000 | 7,342 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-398,000 | 7,342 |
| Net charge-offs | $214,000 | 2,081 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 736 |
| Net operating income | $-398,000 | 7,301 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 7,547 |
| Total interest expense | $978,000 | 6,810 |
| Net interest income | $710,000 | 7,897 |
| Provision for loan and lease losses | $491,000 | 3,841 |
| Total noninterest income | $63,000 | 7,642 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,079 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $46,000 | 6,829 |
| Total noninterest expense | $2,288,000 | 5,872 |
| Salaries and employee benefits | $1,257,000 | 5,839 |
| Premises and equipment expense | $273,000 | 6,029 |
| Additional noninterest expense | $758,000 | 5,612 |
| Pre-tax net operating income | $-2,006,000 | 7,359 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-681,000 | 7,597 |
| Income before extraordinary items | $-1,325,000 | 7,140 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,325,000 | 7,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 3,703 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 1,091 |
| Net operating income | $-1,325,000 | 7,251 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 7,602 |
| Total interest expense | $731,000 | 6,935 |
| Net interest income | $570,000 | 7,936 |
| Provision for loan and lease losses | $70,000 | 5,559 |
| Total noninterest income | $45,000 | 7,796 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $10,000 | 7,175 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $35,000 | 6,964 |
| Total noninterest expense | $1,671,000 | 5,934 |
| Salaries and employee benefits | $894,000 | 6,006 |
| Premises and equipment expense | $227,000 | 5,781 |
| Additional noninterest expense | $550,000 | 5,658 |
| Pre-tax net operating income | $-1,126,000 | 7,589 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-396,000 | 7,825 |
| Income before extraordinary items | $-730,000 | 7,359 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-730,000 | 7,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,118 |
| Net operating income | $-730,000 | 7,485 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $885,000 | 7,648 |
| Total interest expense | $497,000 | 7,023 |
| Net interest income | $388,000 | 7,958 |
| Provision for loan and lease losses | $15,000 | 6,116 |
| Total noninterest income | $30,000 | 7,869 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $6,000 | 7,240 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $24,000 | 7,026 |
| Total noninterest expense | $1,093,000 | 6,031 |
| Salaries and employee benefits | $604,000 | 6,027 |
| Premises and equipment expense | $151,000 | 5,813 |
| Additional noninterest expense | $338,000 | 5,856 |
| Pre-tax net operating income | $-690,000 | 7,737 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-239,000 | 8,016 |
| Income before extraordinary items | $-451,000 | 7,657 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-451,000 | 7,657 |
| 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 | $-451,000 | 7,635 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $439,000 | 7,732 |
| Total interest expense | $251,000 | 7,128 |
| Net interest income | $188,000 | 8,034 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $9,000 | 8,079 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $1,000 | 7,357 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 7,392 |
| Total noninterest expense | $536,000 | 6,123 |
| Salaries and employee benefits | $302,000 | 6,062 |
| Premises and equipment expense | $85,000 | 5,587 |
| Additional noninterest expense | $149,000 | 6,195 |
| Pre-tax net operating income | $-339,000 | 7,946 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-122,000 | 8,175 |
| Income before extraordinary items | $-217,000 | 7,869 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-217,000 | 7,868 |
| 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 | $0 | 1,000 |
| Net operating income | $-217,000 | 7,836 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 8,207 |
| Total interest expense | $524,000 | 7,924 |
| Net interest income | $441,000 | 8,319 |
| Provision for loan and lease losses | $225,000 | 3,682 |
| Total noninterest income | $14,000 | 8,280 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,000 | 7,438 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $12,000 | 8,001 |
| Total noninterest expense | $1,363,000 | 7,119 |
| Salaries and employee benefits | $732,000 | 7,175 |
| Premises and equipment expense | $215,000 | 6,574 |
| Additional noninterest expense | $416,000 | 6,969 |
| Pre-tax net operating income | $-1,133,000 | 8,086 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-324,000 | 8,224 |
| Income before extraordinary items | $-809,000 | 8,042 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-809,000 | 8,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $11,566,000 | 164 |
| Net operating income | $-809,000 | 8,032 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $462,000 | 8,404 |
| Total interest expense | $190,000 | 8,298 |
| Net interest income | $272,000 | 8,431 |
| Provision for loan and lease losses | $175,000 | 3,251 |
| Total noninterest income | $3,000 | 8,402 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,480 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,000 | 8,302 |
| Total noninterest expense | $659,000 | 7,808 |
| Salaries and employee benefits | $350,000 | 7,867 |
| Premises and equipment expense | $115,000 | 7,207 |
| Additional noninterest expense | $194,000 | 7,709 |
| Pre-tax net operating income | $-559,000 | 8,114 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-559,000 | 8,164 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-559,000 | 8,160 |
| 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 | $11,520,000 | 117 |
| Net operating income | $-559,000 | 8,152 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $55,000 | 8,599 |
| Total interest expense | $1,000 | 8,591 |
| Net interest income | $54,000 | 8,590 |
| Provision for loan and lease losses | $73,000 | 3,790 |
| Total noninterest income | $0 | 8,515 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $0 | 8,426 |
| Total noninterest expense | $98,000 | 8,582 |
| Salaries and employee benefits | $61,000 | 8,553 |
| Premises and equipment expense | $13,000 | 8,471 |
| Additional noninterest expense | $24,000 | 8,583 |
| Pre-tax net operating income | $-117,000 | 8,001 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-117,000 | 8,026 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-117,000 | 8,025 |
| 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 | $11,520,000 | 84 |
| Net operating income | $-117,000 | 8,019 |
* 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.