Home > Community Bank of Rowan > Income and Expense
Community Bank of Rowan, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,732,000 | 3,774 |
| Total interest expense | $1,191,000 | 3,990 |
| Net interest income | $5,541,000 | 3,665 |
| Provision for loan and lease losses | $1,137,000 | 2,233 |
| Total noninterest income | $1,071,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $114,000 | 5,338 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $957,000 | 2,199 |
| Total noninterest expense | $3,760,000 | 4,291 |
| Salaries and employee benefits | $1,777,000 | 4,494 |
| Premises and equipment expense | $301,000 | 5,228 |
| Additional noninterest expense | $1,682,000 | 3,579 |
| Pre-tax net operating income | $1,715,000 | 2,791 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $666,000 | 1,735 |
| Income before extraordinary items | $1,049,000 | 3,458 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,049,000 | 3,460 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,049,000 | 3,461 |
| Net charge-offs | $2,400,000 | 1,399 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $6,760,000 | 101 |
| Net operating income | $1,049,000 | 3,344 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,896,000 | 3,886 |
| Total interest expense | $946,000 | 3,954 |
| Net interest income | $3,950,000 | 3,797 |
| Provision for loan and lease losses | $560,000 | 2,714 |
| Total noninterest income | $721,000 | 3,194 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $85,000 | 5,375 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $636,000 | 2,347 |
| Total noninterest expense | $2,432,000 | 4,673 |
| Salaries and employee benefits | $977,000 | 5,342 |
| Premises and equipment expense | $227,000 | 5,258 |
| Additional noninterest expense | $1,228,000 | 3,631 |
| Pre-tax net operating income | $1,679,000 | 2,374 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $651,000 | 1,493 |
| Income before extraordinary items | $1,028,000 | 3,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,028,000 | 3,014 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,028,000 | 3,014 |
| Net charge-offs | $2,066,000 | 1,195 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $6,760,000 | 85 |
| Net operating income | $1,028,000 | 2,907 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,034,000 | 4,103 |
| Total interest expense | $669,000 | 3,922 |
| Net interest income | $2,365,000 | 4,084 |
| Provision for loan and lease losses | $429,000 | 2,511 |
| Total noninterest income | $617,000 | 2,752 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $57,000 | 5,351 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $560,000 | 1,946 |
| Total noninterest expense | $1,655,000 | 4,683 |
| Salaries and employee benefits | $651,000 | 5,390 |
| Premises and equipment expense | $152,000 | 5,286 |
| Additional noninterest expense | $852,000 | 3,581 |
| Pre-tax net operating income | $898,000 | 2,716 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $350,000 | 1,638 |
| Income before extraordinary items | $548,000 | 3,390 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $548,000 | 3,391 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $548,000 | 3,391 |
| Net charge-offs | $2,084,000 | 902 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $6,760,000 | 50 |
| Net operating income | $548,000 | 3,292 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,382,000 | 4,407 |
| Total interest expense | $364,000 | 3,820 |
| Net interest income | $1,018,000 | 4,524 |
| Provision for loan and lease losses | $374,000 | 1,724 |
| Total noninterest income | $119,000 | 4,621 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $31,000 | 5,167 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $88,000 | 3,764 |
| Total noninterest expense | $875,000 | 4,556 |
| Salaries and employee benefits | $325,000 | 5,421 |
| Premises and equipment expense | $75,000 | 5,366 |
| Additional noninterest expense | $475,000 | 3,310 |
| Pre-tax net operating income | $-112,000 | 6,702 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-41,000 | 7,161 |
| Income before extraordinary items | $-71,000 | 6,646 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-71,000 | 6,646 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-71,000 | 6,646 |
| Net charge-offs | $482,000 | 1,361 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-71,000 | 6,629 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,970,000 | 4,339 |
| Total interest expense | $1,783,000 | 3,855 |
| Net interest income | $4,187,000 | 4,452 |
| Provision for loan and lease losses | $3,247,000 | 1,542 |
| Total noninterest income | $619,000 | 4,174 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $115,000 | 5,304 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $504,000 | 3,179 |
| Total noninterest expense | $3,354,000 | 4,704 |
| Salaries and employee benefits | $1,179,000 | 5,714 |
| Premises and equipment expense | $290,000 | 5,486 |
| Additional noninterest expense | $1,885,000 | 3,410 |
| Pre-tax net operating income | $-1,795,000 | 6,724 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-688,000 | 7,238 |
| Income before extraordinary items | $-1,107,000 | 6,628 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,107,000 | 6,629 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,107,000 | 6,629 |
| Net charge-offs | $3,249,000 | 1,402 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,107,000 | 6,594 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,515,000 | 4,406 |
| Total interest expense | $1,378,000 | 3,923 |
| Net interest income | $3,137,000 | 4,501 |
| Provision for loan and lease losses | $2,075,000 | 1,617 |
| Total noninterest income | $364,000 | 4,703 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $87,000 | 5,364 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $277,000 | 3,663 |
| Total noninterest expense | $2,475,000 | 4,765 |
| Salaries and employee benefits | $885,000 | 5,743 |
| Premises and equipment expense | $217,000 | 5,549 |
| Additional noninterest expense | $1,373,000 | 3,470 |
| Pre-tax net operating income | $-1,049,000 | 6,809 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-402,000 | 7,322 |
| Income before extraordinary items | $-647,000 | 6,748 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-647,000 | 6,749 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-647,000 | 6,749 |
| Net charge-offs | $1,913,000 | 1,550 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-647,000 | 6,696 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,992,000 | 4,456 |
| Total interest expense | $915,000 | 4,032 |
| Net interest income | $2,077,000 | 4,524 |
| Provision for loan and lease losses | $1,832,000 | 1,345 |
| Total noninterest income | $222,000 | 4,838 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $56,000 | 5,427 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $166,000 | 3,821 |
| Total noninterest expense | $1,614,000 | 4,843 |
| Salaries and employee benefits | $584,000 | 5,803 |
| Premises and equipment expense | $141,000 | 5,645 |
| Additional noninterest expense | $889,000 | 3,516 |
| Pre-tax net operating income | $-1,147,000 | 7,062 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-441,000 | 7,464 |
| Income before extraordinary items | $-706,000 | 6,965 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-706,000 | 6,965 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-706,000 | 6,965 |
| Net charge-offs | $1,801,000 | 1,221 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-706,000 | 6,932 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,507,000 | 4,494 |
| Total interest expense | $455,000 | 4,158 |
| Net interest income | $1,052,000 | 4,521 |
| Provision for loan and lease losses | $144,000 | 3,520 |
| Total noninterest income | $75,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $26,000 | 5,562 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $49,000 | 4,728 |
| Total noninterest expense | $857,000 | 4,719 |
| Salaries and employee benefits | $298,000 | 5,837 |
| Premises and equipment expense | $70,000 | 5,752 |
| Additional noninterest expense | $489,000 | 3,252 |
| Pre-tax net operating income | $126,000 | 4,759 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $50,000 | 2,790 |
| Income before extraordinary items | $76,000 | 5,317 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $76,000 | 5,317 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $76,000 | 5,317 |
| Net charge-offs | $269,000 | 2,147 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $76,000 | 5,201 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,079,000 | 4,579 |
| Total interest expense | $2,267,000 | 4,131 |
| Net interest income | $3,812,000 | 4,714 |
| Provision for loan and lease losses | $1,031,000 | 3,452 |
| Total noninterest income | $432,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $111,000 | 5,614 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $321,000 | 3,891 |
| Total noninterest expense | $2,652,000 | 5,529 |
| Salaries and employee benefits | $792,000 | 6,721 |
| Premises and equipment expense | $267,000 | 5,911 |
| Additional noninterest expense | $1,593,000 | 3,918 |
| Pre-tax net operating income | $561,000 | 3,856 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $233,000 | 2,254 |
| Income before extraordinary items | $328,000 | 4,389 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $328,000 | 4,390 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $328,000 | 4,391 |
| Net charge-offs | $927,000 | 2,954 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $328,000 | 4,308 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,573,000 | 4,619 |
| Total interest expense | $1,784,000 | 4,149 |
| Net interest income | $2,789,000 | 4,791 |
| Provision for loan and lease losses | $437,000 | 4,047 |
| Total noninterest income | $358,000 | 4,869 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $78,000 | 5,742 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $280,000 | 3,725 |
| Total noninterest expense | $1,956,000 | 5,582 |
| Salaries and employee benefits | $580,000 | 6,812 |
| Premises and equipment expense | $205,000 | 5,919 |
| Additional noninterest expense | $1,171,000 | 3,927 |
| Pre-tax net operating income | $754,000 | 3,206 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $295,000 | 1,936 |
| Income before extraordinary items | $459,000 | 3,829 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $459,000 | 3,825 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $459,000 | 3,827 |
| Net charge-offs | $399,000 | 3,346 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $459,000 | 3,740 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 4,678 |
| Total interest expense | $1,250,000 | 4,143 |
| Net interest income | $1,774,000 | 4,924 |
| Provision for loan and lease losses | $159,000 | 4,675 |
| Total noninterest income | $169,000 | 5,516 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $53,000 | 5,721 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $116,000 | 4,544 |
| Total noninterest expense | $1,295,000 | 5,652 |
| Salaries and employee benefits | $390,000 | 6,870 |
| Premises and equipment expense | $136,000 | 5,971 |
| Additional noninterest expense | $769,000 | 3,988 |
| Pre-tax net operating income | $489,000 | 3,342 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $191,000 | 2,007 |
| Income before extraordinary items | $298,000 | 3,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $298,000 | 3,973 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $298,000 | 3,973 |
| Net charge-offs | $91,000 | 4,347 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $298,000 | 3,854 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 4,776 |
| Total interest expense | $676,000 | 4,048 |
| Net interest income | $813,000 | 5,165 |
| Provision for loan and lease losses | $83,000 | 4,188 |
| Total noninterest income | $58,000 | 6,151 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $25,000 | 5,766 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $33,000 | 5,480 |
| Total noninterest expense | $587,000 | 5,878 |
| Salaries and employee benefits | $178,000 | 7,087 |
| Premises and equipment expense | $69,000 | 5,979 |
| Additional noninterest expense | $340,000 | 4,041 |
| Pre-tax net operating income | $201,000 | 4,034 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $78,000 | 2,425 |
| Income before extraordinary items | $123,000 | 4,654 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $123,000 | 4,658 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $123,000 | 4,657 |
| Net charge-offs | $11,000 | 4,708 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $123,000 | 4,486 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,868,000 | 4,533 |
| Total interest expense | $3,798,000 | 3,646 |
| Net interest income | $3,070,000 | 5,354 |
| Provision for loan and lease losses | $198,000 | 5,227 |
| Total noninterest income | $443,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 5,845 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $339,000 | 3,885 |
| Total noninterest expense | $1,768,000 | 6,527 |
| Salaries and employee benefits | $539,000 | 7,562 |
| Premises and equipment expense | $295,000 | 5,843 |
| Additional noninterest expense | $934,000 | 5,036 |
| Pre-tax net operating income | $1,547,000 | 2,960 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $602,000 | 1,663 |
| Income before extraordinary items | $945,000 | 3,393 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $945,000 | 3,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,631 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $945,000 | 3,542 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,207,000 | 4,588 |
| Total interest expense | $2,921,000 | 3,691 |
| Net interest income | $2,286,000 | 5,416 |
| Provision for loan and lease losses | $242,000 | 3,898 |
| Total noninterest income | $346,000 | 5,098 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $75,000 | 5,938 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $271,000 | 3,867 |
| Total noninterest expense | $1,247,000 | 6,665 |
| Salaries and employee benefits | $337,000 | 7,814 |
| Premises and equipment expense | $220,000 | 5,860 |
| Additional noninterest expense | $690,000 | 4,995 |
| Pre-tax net operating income | $1,143,000 | 3,411 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $445,000 | 2,037 |
| Income before extraordinary items | $698,000 | 3,817 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $698,000 | 3,816 |
| 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 | $0 | 1,238 |
| Net operating income | $698,000 | 3,959 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,538,000 | 4,595 |
| Total interest expense | $2,011,000 | 3,731 |
| Net interest income | $1,527,000 | 5,420 |
| Provision for loan and lease losses | $149,000 | 3,690 |
| Total noninterest income | $188,000 | 5,568 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $42,000 | 6,170 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $146,000 | 4,360 |
| Total noninterest expense | $868,000 | 6,618 |
| Salaries and employee benefits | $271,000 | 7,652 |
| Premises and equipment expense | $146,000 | 5,901 |
| Additional noninterest expense | $451,000 | 5,058 |
| Pre-tax net operating income | $698,000 | 3,699 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $272,000 | 2,326 |
| Income before extraordinary items | $426,000 | 4,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $426,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $426,000 | 4,282 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 4,575 |
| Total interest expense | $1,079,000 | 3,724 |
| Net interest income | $751,000 | 5,483 |
| Provision for loan and lease losses | $123,000 | 2,433 |
| Total noninterest income | $111,000 | 5,225 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $94,000 | 3,896 |
| Total noninterest expense | $331,000 | 7,204 |
| Salaries and employee benefits | $37,000 | 8,433 |
| Premises and equipment expense | $74,000 | 5,910 |
| Additional noninterest expense | $220,000 | 5,078 |
| Pre-tax net operating income | $408,000 | 3,500 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $158,000 | 2,257 |
| Income before extraordinary items | $250,000 | 4,205 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $250,000 | 4,207 |
| 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 | $250,000 | 4,108 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,794,000 | 5,339 |
| Total interest expense | $3,048,000 | 4,745 |
| Net interest income | $2,746,000 | 5,718 |
| Provision for loan and lease losses | $910,000 | 1,526 |
| Total noninterest income | $400,000 | 5,492 |
| 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 | $366,000 | 3,905 |
| Total noninterest expense | $2,526,000 | 5,574 |
| Salaries and employee benefits | $1,375,000 | 5,566 |
| Premises and equipment expense | $287,000 | 5,890 |
| Additional noninterest expense | $864,000 | 5,082 |
| Pre-tax net operating income | $-290,000 | 7,701 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-107,000 | 8,029 |
| Income before extraordinary items | $-183,000 | 7,695 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-183,000 | 7,693 |
| 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 | $0 | 1,304 |
| Net operating income | $-183,000 | 7,678 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,898,000 | 5,636 |
| Total interest expense | $2,006,000 | 5,109 |
| Net interest income | $1,892,000 | 5,969 |
| Provision for loan and lease losses | $686,000 | 1,230 |
| Total noninterest income | $330,000 | 5,338 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $22,000 | 7,063 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $308,000 | 3,690 |
| Total noninterest expense | $1,904,000 | 5,527 |
| Salaries and employee benefits | $1,037,000 | 5,521 |
| Premises and equipment expense | $219,000 | 5,843 |
| Additional noninterest expense | $648,000 | 5,041 |
| Pre-tax net operating income | $-368,000 | 8,001 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-139,000 | 8,281 |
| Income before extraordinary items | $-229,000 | 7,956 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-229,000 | 7,952 |
| 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 | $0 | 1,144 |
| Net operating income | $-229,000 | 7,940 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,277,000 | 6,017 |
| Total interest expense | $1,137,000 | 5,536 |
| Net interest income | $1,140,000 | 6,280 |
| Provision for loan and lease losses | $386,000 | 1,273 |
| Total noninterest income | $226,000 | 5,315 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $14,000 | 7,128 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $212,000 | 3,667 |
| Total noninterest expense | $1,264,000 | 5,562 |
| Salaries and employee benefits | $700,000 | 5,551 |
| Premises and equipment expense | $138,000 | 6,019 |
| Additional noninterest expense | $426,000 | 5,074 |
| Pre-tax net operating income | $-284,000 | 8,140 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-107,000 | 8,392 |
| Income before extraordinary items | $-177,000 | 8,090 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-177,000 | 8,089 |
| 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 | $0 | 1,051 |
| Net operating income | $-177,000 | 8,083 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $973,000 | 6,375 |
| Total interest expense | $473,000 | 5,990 |
| Net interest income | $500,000 | 6,607 |
| Provision for loan and lease losses | $170,000 | 1,311 |
| Total noninterest income | $158,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $6,000 | 7,199 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $152,000 | 2,994 |
| Total noninterest expense | $629,000 | 5,607 |
| Salaries and employee benefits | $353,000 | 5,562 |
| Premises and equipment expense | $69,000 | 6,070 |
| Additional noninterest expense | $207,000 | 5,160 |
| Pre-tax net operating income | $-141,000 | 8,218 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-54,000 | 8,430 |
| Income before extraordinary items | $-87,000 | 8,150 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-87,000 | 8,149 |
| 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 | $0 | 885 |
| Net operating income | $-87,000 | 8,140 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,773,000 | 7,719 |
| Total interest expense | $749,000 | 7,428 |
| Net interest income | $1,024,000 | 7,814 |
| Provision for loan and lease losses | $534,000 | 1,806 |
| Total noninterest income | $114,000 | 7,607 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $11,000 | 7,402 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $103,000 | 6,283 |
| Total noninterest expense | $2,379,000 | 5,649 |
| Salaries and employee benefits | $1,371,000 | 5,479 |
| Premises and equipment expense | $227,000 | 6,446 |
| Additional noninterest expense | $781,000 | 5,307 |
| Pre-tax net operating income | $-1,775,000 | 8,558 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-680,000 | 8,602 |
| Income before extraordinary items | $-1,095,000 | 8,483 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,095,000 | 8,482 |
| 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 | $8,740,000 | 236 |
| Net operating income | $-1,095,000 | 8,472 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $991,000 | 8,127 |
| Total interest expense | $400,000 | 7,881 |
| Net interest income | $591,000 | 8,180 |
| Provision for loan and lease losses | $351,000 | 1,897 |
| Total noninterest income | $78,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $4,000 | 7,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $74,000 | 6,339 |
| Total noninterest expense | $1,753,000 | 5,689 |
| Salaries and employee benefits | $1,053,000 | 5,388 |
| Premises and equipment expense | $122,000 | 7,130 |
| Additional noninterest expense | $578,000 | 5,327 |
| Pre-tax net operating income | $-1,435,000 | 8,653 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-485,000 | 8,687 |
| Income before extraordinary items | $-950,000 | 8,596 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-950,000 | 8,595 |
| 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 | $8,740,000 | 177 |
| Net operating income | $-950,000 | 8,589 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $464,000 | 8,444 |
| Total interest expense | $171,000 | 8,262 |
| Net interest income | $293,000 | 8,473 |
| Provision for loan and lease losses | $225,000 | 1,918 |
| Total noninterest income | $38,000 | 8,112 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,650 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 6,841 |
| Total noninterest expense | $1,219,000 | 5,560 |
| Salaries and employee benefits | $752,000 | 5,181 |
| Premises and equipment expense | $73,000 | 7,349 |
| Additional noninterest expense | $394,000 | 5,258 |
| Pre-tax net operating income | $-1,113,000 | 8,706 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-378,000 | 8,729 |
| Income before extraordinary items | $-735,000 | 8,653 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-735,000 | 8,652 |
| 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 | $8,740,000 | 117 |
| Net operating income | $-735,000 | 8,645 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $103,000 | 8,713 |
| Total interest expense | $27,000 | 8,646 |
| Net interest income | $76,000 | 8,701 |
| Provision for loan and lease losses | $160,000 | 1,352 |
| Total noninterest income | $5,000 | 8,568 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $774,000 | 4,796 |
| Salaries and employee benefits | $521,000 | 4,173 |
| Premises and equipment expense | $36,000 | 7,382 |
| Additional noninterest expense | $217,000 | 4,927 |
| Pre-tax net operating income | $-853,000 | 8,746 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-290,000 | 8,751 |
| Income before extraordinary items | $-563,000 | 8,718 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-563,000 | 8,717 |
| 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 | $8,741,000 | 56 |
| Net operating income | $-563,000 | 8,708 |
* 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.