Home > Covenant Bank > Income and Expense
Covenant Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,609,000 | 5,724 |
| Total interest expense | $540,000 | 4,982 |
| Net interest income | $2,069,000 | 5,816 |
| Provision for loan and lease losses | $272,000 | 3,526 |
| Total noninterest income | $341,000 | 5,040 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $174,000 | 4,512 |
| Trading account gains and fees | $9,000 | 155 |
| Additional Noninterest Income | $158,000 | 4,886 |
| Total noninterest expense | $3,645,000 | 4,274 |
| Salaries and employee benefits | $1,313,000 | 5,195 |
| Premises and equipment expense | $404,000 | 4,292 |
| Additional noninterest expense | $1,928,000 | 3,178 |
| Pre-tax net operating income | $-1,507,000 | 6,747 |
| Securities gains (losses) | $9,000 | 3,408 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-1,498,000 | 6,784 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,498,000 | 6,781 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,498,000 | 6,782 |
| Net charge-offs | $444,000 | 2,807 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $775,000 | 249 |
| Net operating income | $-1,507,000 | 6,763 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,993,000 | 5,780 |
| Total interest expense | $418,000 | 5,042 |
| Net interest income | $1,575,000 | 5,879 |
| Provision for loan and lease losses | $1,031,000 | 1,412 |
| Total noninterest income | $117,000 | 6,012 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $130,000 | 4,578 |
| Trading account gains and fees | $20,000 | 134 |
| Additional Noninterest Income | $-33,000 | 6,802 |
| Total noninterest expense | $2,893,000 | 4,152 |
| Salaries and employee benefits | $993,000 | 5,196 |
| Premises and equipment expense | $342,000 | 4,091 |
| Additional noninterest expense | $1,558,000 | 3,018 |
| Pre-tax net operating income | $-2,232,000 | 6,989 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-2,232,000 | 7,008 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,232,000 | 7,005 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,232,000 | 7,007 |
| Net charge-offs | $508,000 | 2,166 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-2,232,000 | 6,993 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 5,855 |
| Total interest expense | $287,000 | 5,076 |
| Net interest income | $1,029,000 | 5,954 |
| Provision for loan and lease losses | $561,000 | 1,684 |
| Total noninterest income | $174,000 | 5,098 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $88,000 | 4,563 |
| Trading account gains and fees | $3,000 | 144 |
| Additional Noninterest Income | $83,000 | 4,887 |
| Total noninterest expense | $2,028,000 | 4,050 |
| Salaries and employee benefits | $663,000 | 5,214 |
| Premises and equipment expense | $216,000 | 4,208 |
| Additional noninterest expense | $1,149,000 | 2,793 |
| Pre-tax net operating income | $-1,386,000 | 7,029 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,386,000 | 7,049 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,386,000 | 7,048 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,386,000 | 7,049 |
| Net charge-offs | $271,000 | 2,415 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,386,000 | 7,038 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 5,819 |
| Total interest expense | $151,000 | 5,078 |
| Net interest income | $533,000 | 5,932 |
| Provision for loan and lease losses | $157,000 | 2,259 |
| Total noninterest income | $102,000 | 4,915 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $45,000 | 4,489 |
| Trading account gains and fees | $10,000 | 125 |
| Additional Noninterest Income | $47,000 | 4,806 |
| Total noninterest expense | $820,000 | 4,592 |
| Salaries and employee benefits | $327,000 | 5,298 |
| Premises and equipment expense | $186,000 | 2,940 |
| Additional noninterest expense | $307,000 | 4,333 |
| Pre-tax net operating income | $-342,000 | 6,969 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-342,000 | 7,008 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-342,000 | 7,008 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-342,000 | 7,008 |
| Net charge-offs | $271,000 | 1,578 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-342,000 | 6,987 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,174,000 | 5,651 |
| Total interest expense | $748,000 | 5,070 |
| Net interest income | $2,426,000 | 5,714 |
| Provision for loan and lease losses | $829,000 | 2,688 |
| Total noninterest income | $834,000 | 3,440 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $173,000 | 4,640 |
| Trading account gains and fees | $33,000 | 120 |
| Additional Noninterest Income | $628,000 | 2,788 |
| Total noninterest expense | $4,068,000 | 4,075 |
| Salaries and employee benefits | $1,423,000 | 5,097 |
| Premises and equipment expense | $437,000 | 4,365 |
| Additional noninterest expense | $2,208,000 | 2,851 |
| Pre-tax net operating income | $-1,637,000 | 6,731 |
| Securities gains (losses) | $60,000 | 2,446 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,577,000 | 6,769 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,577,000 | 6,769 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,577,000 | 6,769 |
| Net charge-offs | $1,309,000 | 2,049 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 366 |
| Net operating income | $-1,637,000 | 6,754 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,492,000 | 5,617 |
| Total interest expense | $574,000 | 5,135 |
| Net interest income | $1,918,000 | 5,644 |
| Provision for loan and lease losses | $510,000 | 2,846 |
| Total noninterest income | $176,000 | 5,639 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $129,000 | 4,664 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $47,000 | 5,857 |
| Total noninterest expense | $2,841,000 | 4,279 |
| Salaries and employee benefits | $1,096,000 | 5,022 |
| Premises and equipment expense | $512,000 | 3,293 |
| Additional noninterest expense | $1,233,000 | 3,616 |
| Pre-tax net operating income | $-1,257,000 | 6,861 |
| Securities gains (losses) | $59,000 | 2,223 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,198,000 | 6,919 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,198,000 | 6,921 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,198,000 | 6,920 |
| Net charge-offs | $1,238,000 | 1,692 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 301 |
| Net operating income | $-1,257,000 | 6,892 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 5,568 |
| Total interest expense | $389,000 | 5,204 |
| Net interest income | $1,347,000 | 5,567 |
| Provision for loan and lease losses | $382,000 | 2,648 |
| Total noninterest income | $175,000 | 5,061 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $84,000 | 4,706 |
| Trading account gains and fees | $25,000 | 124 |
| Additional Noninterest Income | $66,000 | 5,155 |
| Total noninterest expense | $1,782,000 | 4,488 |
| Salaries and employee benefits | $746,000 | 5,005 |
| Premises and equipment expense | $270,000 | 3,911 |
| Additional noninterest expense | $766,000 | 3,862 |
| Pre-tax net operating income | $-642,000 | 6,855 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-642,000 | 6,899 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-642,000 | 6,898 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-642,000 | 6,899 |
| Net charge-offs | $538,000 | 2,071 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 185 |
| Net operating income | $-642,000 | 6,888 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $919,000 | 5,469 |
| Total interest expense | $196,000 | 5,283 |
| Net interest income | $723,000 | 5,427 |
| Provision for loan and lease losses | $191,000 | 2,500 |
| Total noninterest income | $95,000 | 5,004 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $40,000 | 4,752 |
| Trading account gains and fees | $23,000 | 124 |
| Additional Noninterest Income | $32,000 | 5,306 |
| Total noninterest expense | $853,000 | 4,623 |
| Salaries and employee benefits | $374,000 | 5,037 |
| Premises and equipment expense | $123,000 | 4,213 |
| Additional noninterest expense | $356,000 | 4,048 |
| Pre-tax net operating income | $-226,000 | 6,862 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-226,000 | 6,918 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-226,000 | 6,918 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-226,000 | 6,918 |
| Net charge-offs | $218,000 | 2,050 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 174 |
| Net operating income | $-226,000 | 6,907 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,763,000 | 5,550 |
| Total interest expense | $973,000 | 5,287 |
| Net interest income | $2,790,000 | 5,532 |
| Provision for loan and lease losses | $925,000 | 3,176 |
| Total noninterest income | $943,000 | 3,328 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $192,000 | 4,482 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $751,000 | 2,581 |
| Total noninterest expense | $3,784,000 | 4,363 |
| Salaries and employee benefits | $1,531,000 | 5,006 |
| Premises and equipment expense | $509,000 | 4,131 |
| Additional noninterest expense | $1,744,000 | 3,606 |
| Pre-tax net operating income | $-976,000 | 6,465 |
| Securities gains (losses) | $57,000 | 2,569 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-919,000 | 6,559 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-919,000 | 6,560 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-919,000 | 6,560 |
| Net charge-offs | $245,000 | 4,544 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 993 |
| Net operating income | $-976,000 | 6,540 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 5,542 |
| Total interest expense | $763,000 | 5,348 |
| Net interest income | $2,173,000 | 5,516 |
| Provision for loan and lease losses | $486,000 | 3,586 |
| Total noninterest income | $867,000 | 3,000 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $146,000 | 4,537 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $721,000 | 2,218 |
| Total noninterest expense | $2,833,000 | 4,386 |
| Salaries and employee benefits | $1,122,000 | 5,101 |
| Premises and equipment expense | $421,000 | 3,961 |
| Additional noninterest expense | $1,290,000 | 3,623 |
| Pre-tax net operating income | $-279,000 | 6,377 |
| Securities gains (losses) | $57,000 | 2,331 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-222,000 | 6,462 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-222,000 | 6,463 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-222,000 | 6,462 |
| Net charge-offs | $155,000 | 4,473 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 873 |
| Net operating income | $-279,000 | 6,427 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,974,000 | 5,564 |
| Total interest expense | $531,000 | 5,339 |
| Net interest income | $1,443,000 | 5,556 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $145,000 | 5,537 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $94,000 | 4,594 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $51,000 | 5,562 |
| Total noninterest expense | $1,605,000 | 4,855 |
| Salaries and employee benefits | $704,000 | 5,293 |
| Premises and equipment expense | $300,000 | 3,794 |
| Additional noninterest expense | $601,000 | 4,584 |
| Pre-tax net operating income | $-17,000 | 6,111 |
| Securities gains (losses) | $57,000 | 1,801 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $40,000 | 5,969 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $40,000 | 5,971 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $40,000 | 5,970 |
| Net charge-offs | $153,000 | 3,805 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 727 |
| Net operating income | $-17,000 | 6,131 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $983,000 | 5,650 |
| Total interest expense | $277,000 | 5,376 |
| Net interest income | $706,000 | 5,631 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $70,000 | 5,638 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $46,000 | 4,630 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $24,000 | 5,720 |
| Total noninterest expense | $823,000 | 4,832 |
| Salaries and employee benefits | $356,000 | 5,302 |
| Premises and equipment expense | $162,000 | 3,682 |
| Additional noninterest expense | $305,000 | 4,542 |
| Pre-tax net operating income | $-47,000 | 6,484 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-18,000 | 7,177 |
| Income before extraordinary items | $-29,000 | 6,534 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-29,000 | 6,536 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-29,000 | 6,535 |
| Net charge-offs | $3,000 | 5,292 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 470 |
| Net operating income | $-29,000 | 6,458 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 6,070 |
| Total interest expense | $1,285,000 | 5,511 |
| Net interest income | $2,139,000 | 6,218 |
| Provision for loan and lease losses | $497,000 | 4,557 |
| Total noninterest income | $778,000 | 3,821 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $194,000 | 4,716 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $584,000 | 2,938 |
| Total noninterest expense | $3,896,000 | 4,417 |
| Salaries and employee benefits | $1,248,000 | 5,742 |
| Premises and equipment expense | $584,000 | 3,947 |
| Additional noninterest expense | $2,064,000 | 3,224 |
| Pre-tax net operating income | $-1,476,000 | 6,427 |
| Securities gains (losses) | $1,000 | 3,653 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,475,000 | 6,559 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,475,000 | 6,559 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,475,000 | 6,559 |
| Net charge-offs | $175,000 | 5,155 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $692,000 | 485 |
| Net operating income | $-1,476,000 | 6,554 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,514,000 | 6,181 |
| Total interest expense | $975,000 | 5,622 |
| Net interest income | $1,539,000 | 6,321 |
| Provision for loan and lease losses | $472,000 | 3,892 |
| Total noninterest income | $694,000 | 3,552 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $145,000 | 4,741 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $549,000 | 2,664 |
| Total noninterest expense | $2,014,000 | 5,501 |
| Salaries and employee benefits | $916,000 | 5,822 |
| Premises and equipment expense | $505,000 | 3,597 |
| Additional noninterest expense | $593,000 | 5,858 |
| Pre-tax net operating income | $-253,000 | 6,086 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-253,000 | 6,184 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-253,000 | 6,185 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-253,000 | 6,184 |
| Net charge-offs | $52,000 | 5,648 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $692,000 | 387 |
| Net operating income | $-253,000 | 6,163 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,594,000 | 6,348 |
| Total interest expense | $632,000 | 5,814 |
| Net interest income | $962,000 | 6,472 |
| Provision for loan and lease losses | $472,000 | 3,049 |
| Total noninterest income | $191,000 | 5,304 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $95,000 | 4,760 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $96,000 | 4,873 |
| Total noninterest expense | $1,344,000 | 5,547 |
| Salaries and employee benefits | $597,000 | 5,930 |
| Premises and equipment expense | $346,000 | 3,553 |
| Additional noninterest expense | $401,000 | 5,826 |
| Pre-tax net operating income | $-663,000 | 6,774 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-663,000 | 6,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-663,000 | 6,915 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-663,000 | 6,915 |
| Net charge-offs | $10,000 | 5,988 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $692,000 | 318 |
| Net operating income | $-663,000 | 6,897 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $772,000 | 6,460 |
| Total interest expense | $309,000 | 5,946 |
| Net interest income | $463,000 | 6,569 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $100,000 | 5,221 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $49,000 | 4,651 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $51,000 | 4,806 |
| Total noninterest expense | $668,000 | 5,504 |
| Salaries and employee benefits | $310,000 | 5,892 |
| Premises and equipment expense | $182,000 | 3,475 |
| Additional noninterest expense | $176,000 | 5,915 |
| Pre-tax net operating income | $-105,000 | 6,673 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-105,000 | 6,822 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-105,000 | 6,823 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-105,000 | 6,823 |
| Net charge-offs | $4,000 | 5,207 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 357 |
| Net operating income | $-105,000 | 6,731 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 7,658 |
| Total interest expense | $551,000 | 7,579 |
| Net interest income | $986,000 | 7,610 |
| Provision for loan and lease losses | $-9,000 | 8,201 |
| Total noninterest income | $332,000 | 5,663 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $245,000 | 4,398 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $87,000 | 6,108 |
| Total noninterest expense | $2,481,000 | 5,668 |
| Salaries and employee benefits | $988,000 | 6,440 |
| Premises and equipment expense | $716,000 | 3,451 |
| Additional noninterest expense | $777,000 | 5,551 |
| Pre-tax net operating income | $-1,154,000 | 7,076 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,154,000 | 7,059 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,154,000 | 7,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 3,914 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $3,179,000 | 262 |
| Net operating income | $-1,154,000 | 7,176 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,101,000 | 7,789 |
| Total interest expense | $356,000 | 7,827 |
| Net interest income | $745,000 | 7,661 |
| Provision for loan and lease losses | $-9,000 | 8,267 |
| Total noninterest income | $247,000 | 5,735 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $188,000 | 4,372 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $59,000 | 6,377 |
| Total noninterest expense | $1,847,000 | 5,692 |
| Salaries and employee benefits | $768,000 | 6,382 |
| Premises and equipment expense | $446,000 | 3,971 |
| Additional noninterest expense | $633,000 | 5,263 |
| Pre-tax net operating income | $-846,000 | 7,452 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-846,000 | 7,429 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-846,000 | 7,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,889 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $3,179,000 | 181 |
| Net operating income | $-846,000 | 7,547 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $776,000 | 7,800 |
| Total interest expense | $264,000 | 7,832 |
| Net interest income | $512,000 | 7,669 |
| Provision for loan and lease losses | $-9,000 | 8,330 |
| Total noninterest income | $158,000 | 5,887 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $126,000 | 4,374 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $32,000 | 6,701 |
| Total noninterest expense | $1,167,000 | 5,859 |
| Salaries and employee benefits | $458,000 | 6,694 |
| Premises and equipment expense | $307,000 | 3,902 |
| Additional noninterest expense | $402,000 | 5,409 |
| Pre-tax net operating income | $-488,000 | 7,593 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-488,000 | 7,680 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-488,000 | 7,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,108 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $3,179,000 | 127 |
| Net operating income | $-488,000 | 7,657 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $421,000 | 7,779 |
| Total interest expense | $135,000 | 7,895 |
| Net interest income | $286,000 | 7,565 |
| Provision for loan and lease losses | $-9,000 | 8,375 |
| Total noninterest income | $85,000 | 5,752 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $73,000 | 4,064 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $556,000 | 6,018 |
| Salaries and employee benefits | $202,000 | 6,980 |
| Premises and equipment expense | $163,000 | 3,740 |
| Additional noninterest expense | $191,000 | 5,503 |
| Pre-tax net operating income | $-176,000 | 7,712 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-176,000 | 7,801 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-176,000 | 7,800 |
| 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 | $3,179,000 | 67 |
| Net operating income | $-176,000 | 7,764 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,904,000 | 7,621 |
| Total interest expense | $644,000 | 7,742 |
| Net interest income | $1,260,000 | 7,430 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $852,000 | 3,875 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $301,000 | 4,067 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $551,000 | 3,155 |
| Total noninterest expense | $2,834,000 | 5,183 |
| Salaries and employee benefits | $866,000 | 6,803 |
| Premises and equipment expense | $680,000 | 3,512 |
| Additional noninterest expense | $1,288,000 | 3,871 |
| Pre-tax net operating income | $-722,000 | 7,928 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-722,000 | 8,004 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-722,000 | 8,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,175 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-722,000 | 7,998 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,454,000 | 7,650 |
| Total interest expense | $473,000 | 7,810 |
| Net interest income | $981,000 | 7,418 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $762,000 | 3,505 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $225,000 | 4,080 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $537,000 | 2,721 |
| Total noninterest expense | $2,086,000 | 5,222 |
| Salaries and employee benefits | $644,000 | 6,778 |
| Premises and equipment expense | $443,000 | 3,872 |
| Additional noninterest expense | $999,000 | 3,703 |
| Pre-tax net operating income | $-343,000 | 7,983 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-343,000 | 8,036 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-343,000 | 8,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,814 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-343,000 | 8,020 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $978,000 | 7,675 |
| Total interest expense | $310,000 | 7,870 |
| Net interest income | $668,000 | 7,444 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $159,000 | 6,026 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $137,000 | 4,285 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $22,000 | 7,282 |
| Total noninterest expense | $1,363,000 | 5,325 |
| Salaries and employee benefits | $437,000 | 6,802 |
| Premises and equipment expense | $295,000 | 3,892 |
| Additional noninterest expense | $631,000 | 3,869 |
| Pre-tax net operating income | $-536,000 | 8,322 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-536,000 | 8,349 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-536,000 | 8,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-536,000 | 8,343 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,699 |
| Total interest expense | $152,000 | 7,923 |
| Net interest income | $343,000 | 7,425 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $79,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $67,000 | 4,285 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $729,000 | 5,112 |
| Salaries and employee benefits | $223,000 | 6,796 |
| Premises and equipment expense | $150,000 | 3,863 |
| Additional noninterest expense | $356,000 | 3,490 |
| Pre-tax net operating income | $-307,000 | 8,420 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-307,000 | 8,445 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-307,000 | 8,443 |
| 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 | $-307,000 | 8,434 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 7,624 |
| Total interest expense | $510,000 | 7,899 |
| Net interest income | $1,390,000 | 7,319 |
| Provision for loan and lease losses | $-18,000 | 8,334 |
| Total noninterest income | $856,000 | 3,893 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $286,000 | 4,220 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $570,000 | 3,111 |
| Total noninterest expense | $2,610,000 | 5,343 |
| Salaries and employee benefits | $900,000 | 6,658 |
| Premises and equipment expense | $596,000 | 3,790 |
| Additional noninterest expense | $1,114,000 | 4,169 |
| Pre-tax net operating income | $-346,000 | 8,195 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-346,000 | 8,220 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-346,000 | 8,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,610 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-346,000 | 8,215 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,440,000 | 7,657 |
| Total interest expense | $355,000 | 8,005 |
| Net interest income | $1,085,000 | 7,318 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $770,000 | 3,476 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $219,000 | 4,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $551,000 | 2,710 |
| Total noninterest expense | $1,982,000 | 5,296 |
| Salaries and employee benefits | $678,000 | 6,652 |
| Premises and equipment expense | $448,000 | 3,791 |
| Additional noninterest expense | $856,000 | 4,059 |
| Pre-tax net operating income | $-127,000 | 8,249 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-127,000 | 8,273 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-127,000 | 8,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,924 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-127,000 | 8,262 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $972,000 | 7,649 |
| Total interest expense | $242,000 | 7,971 |
| Net interest income | $730,000 | 7,352 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $691,000 | 2,848 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $142,000 | 4,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $549,000 | 2,085 |
| Total noninterest expense | $1,323,000 | 5,298 |
| Salaries and employee benefits | $457,000 | 6,660 |
| Premises and equipment expense | $301,000 | 3,763 |
| Additional noninterest expense | $565,000 | 4,096 |
| Pre-tax net operating income | $98,000 | 7,708 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $98,000 | 7,548 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $98,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,940 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $98,000 | 7,553 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $482,000 | 7,669 |
| Total interest expense | $112,000 | 8,034 |
| Net interest income | $370,000 | 7,339 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $92,000 | 5,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $67,000 | 4,315 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $662,000 | 5,311 |
| Salaries and employee benefits | $248,000 | 6,475 |
| Premises and equipment expense | $152,000 | 3,747 |
| Additional noninterest expense | $262,000 | 4,319 |
| Pre-tax net operating income | $-200,000 | 8,542 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-200,000 | 8,564 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-200,000 | 8,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,940 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-200,000 | 8,558 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,041,000 | 7,418 |
| Total interest expense | $349,000 | 8,052 |
| Net interest income | $1,692,000 | 7,039 |
| Provision for loan and lease losses | $-233,000 | 8,706 |
| Total noninterest income | $946,000 | 3,693 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $325,000 | 4,002 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $621,000 | 2,998 |
| Total noninterest expense | $2,940,000 | 4,832 |
| Salaries and employee benefits | $1,129,000 | 5,978 |
| Premises and equipment expense | $666,000 | 3,369 |
| Additional noninterest expense | $1,145,000 | 4,011 |
| Pre-tax net operating income | $-69,000 | 8,315 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-69,000 | 8,344 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-69,000 | 8,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,230 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-69,000 | 8,318 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 7,400 |
| Total interest expense | $255,000 | 8,076 |
| Net interest income | $1,297,000 | 7,024 |
| Provision for loan and lease losses | $-33,000 | 8,639 |
| Total noninterest income | $303,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $247,000 | 3,988 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,894 |
| Total noninterest expense | $1,681,000 | 5,697 |
| Salaries and employee benefits | $755,000 | 6,332 |
| Premises and equipment expense | $429,000 | 3,776 |
| Additional noninterest expense | $497,000 | 5,717 |
| Pre-tax net operating income | $-48,000 | 8,384 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-48,000 | 8,411 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-48,000 | 8,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-48,000 | 8,385 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,079,000 | 7,288 |
| Total interest expense | $150,000 | 8,184 |
| Net interest income | $929,000 | 6,844 |
| Provision for loan and lease losses | $-18,000 | 8,644 |
| Total noninterest income | $197,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $163,000 | 3,959 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $34,000 | 7,018 |
| Total noninterest expense | $1,143,000 | 5,620 |
| Salaries and employee benefits | $506,000 | 6,305 |
| Premises and equipment expense | $294,000 | 3,687 |
| Additional noninterest expense | $343,000 | 5,594 |
| Pre-tax net operating income | $1,000 | 8,342 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,000 | 8,369 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,000 | 8,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,000 | 8,338 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $619,000 | 7,034 |
| Total interest expense | $73,000 | 8,222 |
| Net interest income | $546,000 | 6,468 |
| Provision for loan and lease losses | $-7,000 | 8,709 |
| Total noninterest income | $91,000 | 5,905 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $80,000 | 3,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,631 |
| Total noninterest expense | $610,000 | 5,463 |
| Salaries and employee benefits | $283,000 | 5,978 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $178,000 | 5,446 |
| Pre-tax net operating income | $34,000 | 8,103 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $34,000 | 8,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $34,000 | 8,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $34,000 | 8,001 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,723,000 | 7,668 |
| Total interest expense | $287,000 | 8,158 |
| Net interest income | $1,436,000 | 7,410 |
| Provision for loan and lease losses | $193,000 | 3,763 |
| Total noninterest income | $864,000 | 3,864 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $486,000 | 3,212 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $378,000 | 3,810 |
| Total noninterest expense | $2,782,000 | 4,919 |
| Salaries and employee benefits | $1,386,000 | 5,211 |
| Premises and equipment expense | $529,000 | 3,913 |
| Additional noninterest expense | $867,000 | 4,824 |
| Pre-tax net operating income | $-675,000 | 8,719 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-675,000 | 8,769 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-675,000 | 8,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $690,000 | 1,026 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-675,000 | 8,746 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,372,000 | 7,594 |
| Total interest expense | $217,000 | 8,173 |
| Net interest income | $1,155,000 | 7,285 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $766,000 | 3,511 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $391,000 | 3,064 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $375,000 | 3,312 |
| Total noninterest expense | $1,957,000 | 5,106 |
| Salaries and employee benefits | $1,074,000 | 5,054 |
| Premises and equipment expense | $262,000 | 5,190 |
| Additional noninterest expense | $621,000 | 4,941 |
| Pre-tax net operating income | $-36,000 | 8,537 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-36,000 | 8,559 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-36,000 | 8,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,087 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-36,000 | 8,535 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $966,000 | 7,508 |
| Total interest expense | $153,000 | 8,171 |
| Net interest income | $813,000 | 7,187 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $319,000 | 4,666 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $257,000 | 3,077 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $62,000 | 6,075 |
| Total noninterest expense | $1,321,000 | 5,074 |
| Salaries and employee benefits | $756,000 | 4,898 |
| Premises and equipment expense | $126,000 | 6,189 |
| Additional noninterest expense | $439,000 | 4,766 |
| Pre-tax net operating income | $-189,000 | 8,762 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-189,000 | 8,788 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-189,000 | 8,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-189,000 | 8,759 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $522,000 | 7,399 |
| Total interest expense | $80,000 | 8,165 |
| Net interest income | $442,000 | 7,028 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $158,000 | 4,652 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $140,000 | 2,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $651,000 | 5,156 |
| Salaries and employee benefits | $363,000 | 5,057 |
| Premises and equipment expense | $53,000 | 6,646 |
| Additional noninterest expense | $235,000 | 4,516 |
| Pre-tax net operating income | $-51,000 | 8,723 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-51,000 | 8,756 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-51,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-51,000 | 8,720 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,470,000 | 7,064 |
| Total interest expense | $505,000 | 7,722 |
| Net interest income | $1,965,000 | 6,641 |
| Provision for loan and lease losses | $854,000 | 1,378 |
| Total noninterest income | $852,000 | 4,076 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $676,000 | 2,431 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $176,000 | 5,544 |
| Total noninterest expense | $4,216,000 | 3,550 |
| Salaries and employee benefits | $1,670,000 | 4,491 |
| Premises and equipment expense | $703,000 | 3,074 |
| Additional noninterest expense | $1,843,000 | 2,584 |
| Pre-tax net operating income | $-2,253,000 | 9,087 |
| Securities gains (losses) | $-196,000 | 9,072 |
| Applicable income taxes | $-30,000 | 8,833 |
| Income before extraordinary items | $-2,419,000 | 9,129 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,419,000 | 9,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,987 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,224,960 | 9,087 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,882,000 | 7,117 |
| Total interest expense | $413,000 | 7,714 |
| Net interest income | $1,469,000 | 6,696 |
| Provision for loan and lease losses | $533,000 | 1,574 |
| Total noninterest income | $664,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $508,000 | 2,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $156,000 | 5,265 |
| Total noninterest expense | $3,175,000 | 3,529 |
| Salaries and employee benefits | $1,201,000 | 4,614 |
| Premises and equipment expense | $558,000 | 2,928 |
| Additional noninterest expense | $1,416,000 | 2,523 |
| Pre-tax net operating income | $-1,575,000 | 9,136 |
| Securities gains (losses) | $-195,000 | 9,154 |
| Applicable income taxes | $-30,000 | 8,983 |
| Income before extraordinary items | $-1,740,000 | 9,182 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,740,000 | 9,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,268 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,548,900 | 9,141 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,401,000 | 6,872 |
| Total interest expense | $306,000 | 7,615 |
| Net interest income | $1,095,000 | 6,375 |
| Provision for loan and lease losses | $124,000 | 3,416 |
| Total noninterest income | $439,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $326,000 | 2,488 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $113,000 | 5,110 |
| Total noninterest expense | $2,199,000 | 3,402 |
| Salaries and employee benefits | $856,000 | 4,408 |
| Premises and equipment expense | $404,000 | 2,736 |
| Additional noninterest expense | $939,000 | 2,516 |
| Pre-tax net operating income | $-789,000 | 9,133 |
| Securities gains (losses) | $-11,000 | 9,056 |
| Applicable income taxes | $-30,000 | 9,053 |
| Income before extraordinary items | $-770,000 | 9,183 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-770,000 | 9,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,791 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-759,440 | 9,130 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $723,000 | 6,815 |
| Total interest expense | $152,000 | 7,721 |
| Net interest income | $571,000 | 6,218 |
| Provision for loan and lease losses | $63,000 | 3,194 |
| Total noninterest income | $189,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $132,000 | 2,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $981,000 | 3,724 |
| Salaries and employee benefits | $381,000 | 4,785 |
| Premises and equipment expense | $185,000 | 2,937 |
| Additional noninterest expense | $415,000 | 2,767 |
| Pre-tax net operating income | $-284,000 | 9,133 |
| Securities gains (losses) | $-5,000 | 9,108 |
| Applicable income taxes | $-30,000 | 9,136 |
| Income before extraordinary items | $-259,000 | 9,164 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-259,000 | 9,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-254,500 | 9,108 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,339,000 | 6,498 |
| Total interest expense | $809,000 | 7,489 |
| Net interest income | $2,530,000 | 5,863 |
| Provision for loan and lease losses | $946,000 | 1,420 |
| Total noninterest income | $911,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $610,000 | 2,538 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $301,000 | 4,249 |
| Total noninterest expense | $3,620,000 | 3,851 |
| Salaries and employee benefits | $1,653,000 | 4,354 |
| Premises and equipment expense | $571,000 | 3,558 |
| Additional noninterest expense | $1,396,000 | 3,137 |
| Pre-tax net operating income | $-1,125,000 | 9,147 |
| Securities gains (losses) | $-142,000 | 9,167 |
| Applicable income taxes | $-221,000 | 9,148 |
| Income before extraordinary items | $-1,047,000 | 9,188 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,047,000 | 9,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $949,000 | 1,017 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-929,140 | 9,129 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 6,749 |
| Total interest expense | $1,190,000 | 7,627 |
| Net interest income | $2,344,000 | 5,938 |
| Provision for loan and lease losses | $270,000 | 3,439 |
| Total noninterest income | $1,407,000 | 2,634 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $521,000 | 2,754 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $886,000 | 2,227 |
| Total noninterest expense | $3,861,000 | 3,537 |
| Salaries and employee benefits | $1,643,000 | 4,219 |
| Premises and equipment expense | $551,000 | 3,607 |
| Additional noninterest expense | $1,667,000 | 2,624 |
| Pre-tax net operating income | $-380,000 | 9,097 |
| Securities gains (losses) | $50,000 | 2,347 |
| Applicable income taxes | $-115,000 | 9,286 |
| Income before extraordinary items | $-215,000 | 9,060 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-215,000 | 9,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,040 |
| Cash dividends | $140,000 | 5,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-247,500 | 9,033 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,686,000 | 6,746 |
| Total interest expense | $1,130,000 | 7,948 |
| Net interest income | $2,556,000 | 5,719 |
| Provision for loan and lease losses | $203,000 | 3,716 |
| Total noninterest income | $1,457,000 | 2,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $582,000 | 2,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $875,000 | 2,024 |
| Total noninterest expense | $3,310,000 | 3,893 |
| Salaries and employee benefits | $1,539,000 | 4,277 |
| Premises and equipment expense | $453,000 | 4,113 |
| Additional noninterest expense | $1,318,000 | 3,144 |
| Pre-tax net operating income | $500,000 | 7,001 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $186,000 | 5,536 |
| Income before extraordinary items | $312,000 | 7,394 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $312,000 | 7,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,985 |
| Cash dividends | $161,000 | 5,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $313,280 | 7,393 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 7,441 |
| Total interest expense | $817,000 | 8,645 |
| Net interest income | $2,129,000 | 6,411 |
| Provision for loan and lease losses | $162,000 | 4,084 |
| Total noninterest income | $728,000 | 3,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $634,000 | 2,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,776 |
| Total noninterest expense | $2,456,000 | 4,950 |
| Salaries and employee benefits | $1,193,000 | 5,183 |
| Premises and equipment expense | $397,000 | 4,565 |
| Additional noninterest expense | $866,000 | 4,508 |
| Pre-tax net operating income | $239,000 | 8,388 |
| Securities gains (losses) | $29,000 | 1,221 |
| Applicable income taxes | $-2,000 | 9,609 |
| Income before extraordinary items | $270,000 | 7,788 |
| Extraordinary gains, net | $-2,000 | 10,141 |
| Net income | $268,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,295 |
| Cash dividends | $180,000 | 5,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $241,000 | 7,970 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 7,819 |
| Total interest expense | $932,000 | 8,606 |
| Net interest income | $1,817,000 | 7,013 |
| Provision for loan and lease losses | $333,000 | 2,393 |
| Total noninterest income | $1,022,000 | 3,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $592,000 | 2,180 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $430,000 | 3,277 |
| Total noninterest expense | $2,449,000 | 4,836 |
| Salaries and employee benefits | $1,248,000 | 4,917 |
| Premises and equipment expense | $330,000 | 5,081 |
| Additional noninterest expense | $871,000 | 4,398 |
| Pre-tax net operating income | $57,000 | 9,593 |
| Securities gains (losses) | $81,000 | 1,415 |
| Applicable income taxes | $-150,000 | 10,276 |
| Income before extraordinary items | $288,000 | 7,984 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $288,000 | 7,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,538 |
| Cash dividends | $180,000 | 5,532 |
| Sale, conversion, retirement of capital stock, net | $222,000 | 665 |
| Net operating income | $207,000 | 8,486 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,788,000 | 8,024 |
| Total interest expense | $906,000 | 8,950 |
| Net interest income | $1,882,000 | 7,168 |
| Provision for loan and lease losses | $242,000 | 3,006 |
| Total noninterest income | $755,000 | 3,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $647,000 | 2,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $2,273,000 | 5,159 |
| Salaries and employee benefits | $993,000 | 5,899 |
| Premises and equipment expense | $310,000 | 5,351 |
| Additional noninterest expense | $970,000 | 4,017 |
| Pre-tax net operating income | $122,000 | 9,982 |
| Securities gains (losses) | $25,000 | 1,745 |
| Applicable income taxes | $-235,000 | 10,808 |
| Income before extraordinary items | $382,000 | 7,761 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $382,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,306 |
| Cash dividends | $208,000 | 5,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $357,000 | 7,880 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,838,000 | 8,228 |
| Total interest expense | $861,000 | 9,446 |
| Net interest income | $1,977,000 | 7,196 |
| Provision for loan and lease losses | $103,000 | 5,016 |
| Total noninterest income | $828,000 | 3,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $734,000 | 1,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $2,513,000 | 4,985 |
| Salaries and employee benefits | $1,135,000 | 5,462 |
| Premises and equipment expense | $446,000 | 4,140 |
| Additional noninterest expense | $932,000 | 4,638 |
| Pre-tax net operating income | $189,000 | 9,853 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $-144,000 | 11,222 |
| Income before extraordinary items | $332,000 | 8,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $332,000 | 8,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,285 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $-221,000 | 11,376 |
| Net operating income | $333,000 | 8,070 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,639,000 | 8,732 |
| Total interest expense | $764,000 | 10,073 |
| Net interest income | $1,875,000 | 7,587 |
| Provision for loan and lease losses | $7,000 | 8,542 |
| Total noninterest income | $745,000 | 3,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $524,000 | 2,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,838 |
| Total noninterest expense | $2,394,000 | 5,182 |
| Salaries and employee benefits | $1,040,000 | 5,851 |
| Premises and equipment expense | $419,000 | 4,352 |
| Additional noninterest expense | $936,000 | 4,603 |
| Pre-tax net operating income | $219,000 | 10,332 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $-32,000 | 11,596 |
| Income before extraordinary items | $280,000 | 9,137 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $280,000 | 9,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,093 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $251,000 | 9,386 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,476,000 | 8,946 |
| Total interest expense | $626,000 | 10,484 |
| Net interest income | $1,850,000 | 7,916 |
| Provision for loan and lease losses | $33,000 | 6,965 |
| Total noninterest income | $746,000 | 3,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $512,000 | 2,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,766 |
| Total noninterest expense | $2,406,000 | 5,335 |
| Salaries and employee benefits | $1,102,000 | 5,629 |
| Premises and equipment expense | $364,000 | 4,945 |
| Additional noninterest expense | $940,000 | 4,978 |
| Pre-tax net operating income | $157,000 | 11,214 |
| Securities gains (losses) | $115,000 | 722 |
| Applicable income taxes | $55,000 | 10,338 |
| Income before extraordinary items | $218,000 | 10,055 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $218,000 | 10,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $126,000 | 11,146 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,348,000 | 9,474 |
| Total interest expense | $648,000 | 10,886 |
| Net interest income | $1,700,000 | 8,490 |
| Provision for loan and lease losses | $83,000 | 6,262 |
| Total noninterest income | $740,000 | 4,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $589,000 | 2,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 6,544 |
| Total noninterest expense | $2,319,000 | 5,627 |
| Salaries and employee benefits | $1,003,000 | 6,120 |
| Premises and equipment expense | $383,000 | 4,887 |
| Additional noninterest expense | $933,000 | 5,218 |
| Pre-tax net operating income | $38,000 | 12,230 |
| Securities gains (losses) | $339,000 | 1,190 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $377,000 | 8,665 |
| Extraordinary gains, net | $91,000 | 1,655 |
| Net income | $468,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 5,302 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $38,000 | 12,186 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,487,000 | 9,945 |
| Total interest expense | $944,000 | 10,641 |
| Net interest income | $1,543,000 | 9,140 |
| Provision for loan and lease losses | $123,000 | 6,648 |
| Total noninterest income | $675,000 | 4,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $609,000 | 2,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $2,183,000 | 5,960 |
| Salaries and employee benefits | $964,000 | 6,239 |
| Premises and equipment expense | $404,000 | 4,758 |
| Additional noninterest expense | $815,000 | 5,971 |
| Pre-tax net operating income | $-88,000 | 12,920 |
| Securities gains (losses) | $139,000 | 2,518 |
| Applicable income taxes | $12,000 | 12,318 |
| Income before extraordinary items | $39,000 | 12,646 |
| Extraordinary gains, net | $12,000 | 1,314 |
| Net income | $51,000 | 12,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 4,293 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 482 |
| Net operating income | $-66,640 | 12,848 |
* 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.