Home > Covenant Bank & Trust > Income and Expense
Covenant Bank & Trust, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,017,000 | 4,564 |
| Total interest expense | $1,773,000 | 3,034 |
| Net interest income | $3,244,000 | 5,080 |
| Provision for loan and lease losses | $2,244,000 | 1,444 |
| Total noninterest income | $-126,000 | 7,096 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $36,000 | 6,541 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-162,000 | 6,931 |
| Total noninterest expense | $3,397,000 | 4,559 |
| Salaries and employee benefits | $1,255,000 | 5,425 |
| Premises and equipment expense | $526,000 | 3,899 |
| Additional noninterest expense | $1,616,000 | 3,672 |
| Pre-tax net operating income | $-2,523,000 | 6,861 |
| Securities gains (losses) | $79,000 | 2,244 |
| Applicable income taxes | $-10,000 | 6,588 |
| Income before extraordinary items | $-2,434,000 | 6,892 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,434,000 | 6,891 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,434,000 | 6,892 |
| Net charge-offs | $3,975,000 | 976 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 903 |
| Net operating income | $-2,513,000 | 6,884 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 4,608 |
| Total interest expense | $1,376,000 | 3,070 |
| Net interest income | $2,394,000 | 5,158 |
| Provision for loan and lease losses | $1,644,000 | 1,425 |
| Total noninterest income | $167,000 | 5,701 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $27,000 | 6,579 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $140,000 | 4,627 |
| Total noninterest expense | $2,271,000 | 4,867 |
| Salaries and employee benefits | $932,000 | 5,450 |
| Premises and equipment expense | $399,000 | 3,916 |
| Additional noninterest expense | $940,000 | 4,332 |
| Pre-tax net operating income | $-1,354,000 | 6,889 |
| Securities gains (losses) | $44,000 | 2,405 |
| Applicable income taxes | $-7,000 | 6,766 |
| Income before extraordinary items | $-1,303,000 | 6,936 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,303,000 | 6,937 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,303,000 | 6,937 |
| Net charge-offs | $455,000 | 2,771 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 849 |
| Net operating income | $-1,346,560 | 6,918 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,567,000 | 4,588 |
| Total interest expense | $943,000 | 3,099 |
| Net interest income | $1,624,000 | 5,144 |
| Provision for loan and lease losses | $594,000 | 2,118 |
| Total noninterest income | $298,000 | 4,116 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $19,000 | 6,582 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $279,000 | 2,985 |
| Total noninterest expense | $1,459,000 | 5,014 |
| Salaries and employee benefits | $621,000 | 5,504 |
| Premises and equipment expense | $264,000 | 3,973 |
| Additional noninterest expense | $574,000 | 4,642 |
| Pre-tax net operating income | $-131,000 | 6,472 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-5,000 | 6,826 |
| Income before extraordinary items | $-126,000 | 6,539 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-126,000 | 6,539 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-126,000 | 6,539 |
| Net charge-offs | $369,000 | 2,449 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 801 |
| Net operating income | $-126,000 | 6,505 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 4,391 |
| Total interest expense | $479,000 | 3,156 |
| Net interest income | $910,000 | 4,831 |
| Provision for loan and lease losses | $11,000 | 5,352 |
| Total noninterest income | $200,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $10,000 | 6,519 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $190,000 | 2,541 |
| Total noninterest expense | $739,000 | 5,014 |
| Salaries and employee benefits | $313,000 | 5,517 |
| Premises and equipment expense | $134,000 | 3,992 |
| Additional noninterest expense | $292,000 | 4,604 |
| Pre-tax net operating income | $360,000 | 3,190 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-2,000 | 6,910 |
| Income before extraordinary items | $362,000 | 2,871 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $362,000 | 2,870 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $362,000 | 2,871 |
| Net charge-offs | $66,000 | 3,125 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 742 |
| Net operating income | $362,000 | 2,818 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,580,000 | 4,517 |
| Total interest expense | $2,328,000 | 3,164 |
| Net interest income | $3,252,000 | 5,147 |
| Provision for loan and lease losses | $3,936,000 | 1,360 |
| Total noninterest income | $-15,000 | 7,310 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $49,000 | 6,246 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-64,000 | 7,144 |
| Total noninterest expense | $3,177,000 | 4,864 |
| Salaries and employee benefits | $1,296,000 | 5,459 |
| Premises and equipment expense | $535,000 | 4,014 |
| Additional noninterest expense | $1,346,000 | 4,307 |
| Pre-tax net operating income | $-3,876,000 | 7,020 |
| Securities gains (losses) | $93,000 | 2,225 |
| Applicable income taxes | $-19,000 | 6,617 |
| Income before extraordinary items | $-3,764,000 | 7,078 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,764,000 | 7,078 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,764,000 | 7,079 |
| Net charge-offs | $2,701,000 | 1,561 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 890 |
| Net operating income | $-3,856,070 | 7,067 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,229,000 | 4,574 |
| Total interest expense | $1,805,000 | 3,202 |
| Net interest income | $2,424,000 | 5,219 |
| Provision for loan and lease losses | $2,537,000 | 1,418 |
| Total noninterest income | $10,000 | 7,378 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $39,000 | 6,285 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-29,000 | 7,283 |
| Total noninterest expense | $2,153,000 | 5,166 |
| Salaries and employee benefits | $981,000 | 5,472 |
| Premises and equipment expense | $411,000 | 4,033 |
| Additional noninterest expense | $761,000 | 5,053 |
| Pre-tax net operating income | $-2,256,000 | 7,108 |
| Securities gains (losses) | $25,000 | 2,801 |
| Applicable income taxes | $-14,000 | 6,861 |
| Income before extraordinary items | $-2,217,000 | 7,169 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,217,000 | 7,167 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,217,000 | 7,169 |
| Net charge-offs | $2,702,000 | 1,236 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 830 |
| Net operating income | $-2,241,750 | 7,151 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,849,000 | 4,586 |
| Total interest expense | $1,237,000 | 3,230 |
| Net interest income | $1,612,000 | 5,238 |
| Provision for loan and lease losses | $2,152,000 | 1,213 |
| Total noninterest income | $26,000 | 7,250 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $29,000 | 6,223 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-3,000 | 7,305 |
| Total noninterest expense | $1,464,000 | 5,132 |
| Salaries and employee benefits | $660,000 | 5,491 |
| Premises and equipment expense | $271,000 | 4,070 |
| Additional noninterest expense | $533,000 | 4,908 |
| Pre-tax net operating income | $-1,978,000 | 7,265 |
| Securities gains (losses) | $25,000 | 2,268 |
| Applicable income taxes | $-10,000 | 6,927 |
| Income before extraordinary items | $-1,943,000 | 7,323 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,943,000 | 7,323 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,943,000 | 7,323 |
| Net charge-offs | $2,367,000 | 995 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 763 |
| Net operating income | $-1,967,750 | 7,316 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 4,721 |
| Total interest expense | $630,000 | 3,310 |
| Net interest income | $755,000 | 5,464 |
| Provision for loan and lease losses | $175,000 | 3,173 |
| Total noninterest income | $29,000 | 6,778 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $18,000 | 6,033 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $11,000 | 6,524 |
| Total noninterest expense | $703,000 | 5,288 |
| Salaries and employee benefits | $336,000 | 5,485 |
| Premises and equipment expense | $140,000 | 4,056 |
| Additional noninterest expense | $227,000 | 5,384 |
| Pre-tax net operating income | $-94,000 | 6,636 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-5,000 | 7,067 |
| Income before extraordinary items | $-89,000 | 6,727 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-89,000 | 6,728 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-89,000 | 6,727 |
| Net charge-offs | $8,000 | 4,945 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 674 |
| Net operating income | $-89,000 | 6,658 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,941,000 | 4,654 |
| Total interest expense | $3,278,000 | 3,201 |
| Net interest income | $2,663,000 | 5,673 |
| Provision for loan and lease losses | $2,438,000 | 2,223 |
| Total noninterest income | $-104,000 | 7,785 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $61,000 | 6,317 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-165,000 | 7,659 |
| Total noninterest expense | $2,872,000 | 5,306 |
| Salaries and employee benefits | $1,473,000 | 5,255 |
| Premises and equipment expense | $581,000 | 3,962 |
| Additional noninterest expense | $818,000 | 5,772 |
| Pre-tax net operating income | $-2,751,000 | 6,833 |
| Securities gains (losses) | $332,000 | 1,151 |
| Applicable income taxes | $-57,000 | 6,465 |
| Income before extraordinary items | $-2,362,000 | 6,853 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,362,000 | 6,850 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,362,000 | 6,851 |
| Net charge-offs | $2,201,000 | 1,923 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $737,000 | 475 |
| Net operating income | $-2,687,360 | 6,941 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 4,652 |
| Total interest expense | $2,556,000 | 3,239 |
| Net interest income | $1,971,000 | 5,740 |
| Provision for loan and lease losses | $2,288,000 | 1,754 |
| Total noninterest income | $-141,000 | 7,937 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $46,000 | 6,365 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-187,000 | 7,866 |
| Total noninterest expense | $2,152,000 | 5,325 |
| Salaries and employee benefits | $1,137,000 | 5,198 |
| Premises and equipment expense | $445,000 | 3,944 |
| Additional noninterest expense | $570,000 | 5,949 |
| Pre-tax net operating income | $-2,610,000 | 7,195 |
| Securities gains (losses) | $186,000 | 1,339 |
| Applicable income taxes | $-52,000 | 6,825 |
| Income before extraordinary items | $-2,372,000 | 7,268 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,372,000 | 7,267 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,372,000 | 7,268 |
| Net charge-offs | $1,881,000 | 1,557 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $391,000 | 475 |
| Net operating income | $-2,554,280 | 7,290 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,040,000 | 4,666 |
| Total interest expense | $1,775,000 | 3,270 |
| Net interest income | $1,265,000 | 5,847 |
| Provision for loan and lease losses | $393,000 | 3,306 |
| Total noninterest income | $46,000 | 7,231 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $26,000 | 6,518 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $20,000 | 6,800 |
| Total noninterest expense | $1,409,000 | 5,416 |
| Salaries and employee benefits | $744,000 | 5,317 |
| Premises and equipment expense | $296,000 | 3,976 |
| Additional noninterest expense | $369,000 | 6,028 |
| Pre-tax net operating income | $-491,000 | 6,632 |
| Securities gains (losses) | $186,000 | 1,057 |
| Applicable income taxes | $-379,000 | 7,498 |
| Income before extraordinary items | $74,000 | 5,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $74,000 | 5,396 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $74,000 | 5,396 |
| Net charge-offs | $399,000 | 2,616 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 652 |
| Net operating income | $-45,040 | 5,991 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,548,000 | 4,666 |
| Total interest expense | $905,000 | 3,316 |
| Net interest income | $643,000 | 5,813 |
| Provision for loan and lease losses | $4,000 | 6,586 |
| Total noninterest income | $26,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $668,000 | 5,504 |
| Salaries and employee benefits | $376,000 | 5,346 |
| Premises and equipment expense | $144,000 | 4,104 |
| Additional noninterest expense | $148,000 | 6,343 |
| Pre-tax net operating income | $-3,000 | 6,252 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-14,000 | 7,232 |
| Income before extraordinary items | $11,000 | 6,264 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $11,000 | 6,266 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $11,000 | 6,266 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 547 |
| Net operating income | $11,000 | 6,112 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,046,000 | 4,909 |
| Total interest expense | $3,620,000 | 3,763 |
| Net interest income | $2,426,000 | 5,965 |
| Provision for loan and lease losses | $394,000 | 4,161 |
| Total noninterest income | $107,000 | 7,226 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $39,000 | 6,786 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $68,000 | 6,415 |
| Total noninterest expense | $2,838,000 | 5,298 |
| Salaries and employee benefits | $1,719,000 | 4,932 |
| Premises and equipment expense | $464,000 | 4,670 |
| Additional noninterest expense | $655,000 | 6,001 |
| Pre-tax net operating income | $-699,000 | 6,874 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $-95,000 | 7,065 |
| Income before extraordinary items | $-602,000 | 6,768 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-602,000 | 6,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,209 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $2,524,000 | 296 |
| Net operating income | $-603,720 | 6,905 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,458,000 | 5,036 |
| Total interest expense | $2,720,000 | 3,866 |
| Net interest income | $1,738,000 | 6,133 |
| Provision for loan and lease losses | $390,000 | 3,123 |
| Total noninterest income | $76,000 | 7,401 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $26,000 | 6,896 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $50,000 | 6,582 |
| Total noninterest expense | $2,134,000 | 5,266 |
| Salaries and employee benefits | $1,278,000 | 4,979 |
| Premises and equipment expense | $349,000 | 4,673 |
| Additional noninterest expense | $507,000 | 5,868 |
| Pre-tax net operating income | $-710,000 | 7,384 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $-71,000 | 7,490 |
| Income before extraordinary items | $-637,000 | 7,293 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-637,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,890 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $2,094,000 | 221 |
| Net operating income | $-638,800 | 7,422 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,906,000 | 5,168 |
| Total interest expense | $1,821,000 | 3,977 |
| Net interest income | $1,085,000 | 6,291 |
| Provision for loan and lease losses | $144,000 | 3,739 |
| Total noninterest income | $40,000 | 7,692 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $14,000 | 7,021 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $26,000 | 6,950 |
| Total noninterest expense | $1,378,000 | 5,395 |
| Salaries and employee benefits | $835,000 | 5,087 |
| Premises and equipment expense | $232,000 | 4,717 |
| Additional noninterest expense | $311,000 | 6,100 |
| Pre-tax net operating income | $-397,000 | 7,524 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $-46,000 | 7,744 |
| Income before extraordinary items | $-349,000 | 7,572 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-349,000 | 7,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $1,207,000 | 192 |
| Net operating income | $-350,760 | 7,554 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,497,000 | 5,179 |
| Total interest expense | $943,000 | 4,054 |
| Net interest income | $554,000 | 6,276 |
| Provision for loan and lease losses | $61,000 | 3,456 |
| Total noninterest income | $16,000 | 7,860 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $7,000 | 7,034 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $674,000 | 5,486 |
| Salaries and employee benefits | $408,000 | 5,172 |
| Premises and equipment expense | $112,000 | 4,832 |
| Additional noninterest expense | $154,000 | 6,116 |
| Pre-tax net operating income | $-165,000 | 7,690 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-23,000 | 7,918 |
| Income before extraordinary items | $-142,000 | 7,737 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-142,000 | 7,736 |
| 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 | $802,000 | 115 |
| Net operating income | $-142,000 | 7,701 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,879,000 | 5,781 |
| Total interest expense | $2,895,000 | 4,893 |
| Net interest income | $1,984,000 | 6,522 |
| Provision for loan and lease losses | $446,000 | 2,523 |
| Total noninterest income | $57,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $13,000 | 7,256 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $44,000 | 7,220 |
| Total noninterest expense | $2,369,000 | 5,764 |
| Salaries and employee benefits | $1,455,000 | 5,404 |
| Premises and equipment expense | $328,000 | 5,567 |
| Additional noninterest expense | $586,000 | 6,188 |
| Pre-tax net operating income | $-774,000 | 7,953 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $-88,000 | 8,006 |
| Income before extraordinary items | $-687,000 | 7,993 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-687,000 | 7,991 |
| 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 | $262,000 | 675 |
| Net operating income | $-686,110 | 7,985 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,356,000 | 6,019 |
| Total interest expense | $1,951,000 | 5,166 |
| Net interest income | $1,405,000 | 6,707 |
| Provision for loan and lease losses | $416,000 | 1,804 |
| Total noninterest income | $37,000 | 8,085 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $6,000 | 7,365 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $31,000 | 7,315 |
| Total noninterest expense | $1,753,000 | 5,765 |
| Salaries and employee benefits | $1,072,000 | 5,427 |
| Premises and equipment expense | $219,000 | 5,843 |
| Additional noninterest expense | $462,000 | 6,020 |
| Pre-tax net operating income | $-727,000 | 8,197 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-65,000 | 8,192 |
| Income before extraordinary items | $-662,000 | 8,209 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-662,000 | 8,205 |
| 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 | $195,000 | 598 |
| Net operating income | $-662,000 | 8,199 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 6,271 |
| Total interest expense | $1,164,000 | 5,472 |
| Net interest income | $873,000 | 6,896 |
| Provision for loan and lease losses | $241,000 | 1,862 |
| Total noninterest income | $15,000 | 8,290 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,000 | 7,446 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $12,000 | 7,778 |
| Total noninterest expense | $1,086,000 | 6,008 |
| Salaries and employee benefits | $684,000 | 5,629 |
| Premises and equipment expense | $146,000 | 5,893 |
| Additional noninterest expense | $256,000 | 6,528 |
| Pre-tax net operating income | $-439,000 | 8,261 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-42,000 | 8,268 |
| Income before extraordinary items | $-397,000 | 8,264 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-397,000 | 8,263 |
| 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 | $128,000 | 548 |
| Net operating income | $-397,000 | 8,254 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $872,000 | 6,636 |
| Total interest expense | $482,000 | 5,956 |
| Net interest income | $390,000 | 7,162 |
| Provision for loan and lease losses | $142,000 | 1,567 |
| Total noninterest income | $4,000 | 8,418 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,000 | 7,501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $506,000 | 6,251 |
| Salaries and employee benefits | $327,000 | 5,818 |
| Premises and equipment expense | $66,000 | 6,178 |
| Additional noninterest expense | $113,000 | 6,845 |
| Pre-tax net operating income | $-254,000 | 8,359 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-20,000 | 8,308 |
| Income before extraordinary items | $-234,000 | 8,370 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-234,000 | 8,368 |
| 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 | $64,000 | 438 |
| Net operating income | $-234,000 | 8,360 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,091,000 | 8,222 |
| Total interest expense | $403,000 | 8,090 |
| Net interest income | $688,000 | 8,221 |
| Provision for loan and lease losses | $294,000 | 2,842 |
| Total noninterest income | $8,000 | 8,508 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,000 | 7,527 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,415 |
| Total noninterest expense | $1,538,000 | 6,823 |
| Salaries and employee benefits | $710,000 | 7,241 |
| Premises and equipment expense | $205,000 | 6,677 |
| Additional noninterest expense | $623,000 | 5,952 |
| Pre-tax net operating income | $-1,136,000 | 8,460 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-44,000 | 8,283 |
| Income before extraordinary items | $-1,092,000 | 8,480 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,092,000 | 8,479 |
| 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 | $9,128,000 | 229 |
| Net operating income | $-1,092,000 | 8,470 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $507,000 | 8,524 |
| Total interest expense | $105,000 | 8,547 |
| Net interest income | $402,000 | 8,455 |
| Provision for loan and lease losses | $182,000 | 3,031 |
| Total noninterest income | $1,000 | 8,655 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,000 | 7,639 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $1,062,000 | 7,033 |
| Salaries and employee benefits | $379,000 | 7,853 |
| Premises and equipment expense | $148,000 | 6,782 |
| Additional noninterest expense | $535,000 | 5,566 |
| Pre-tax net operating income | $-841,000 | 8,545 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-841,000 | 8,576 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-841,000 | 8,575 |
| 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 | $9,000,000 | 172 |
| Net operating income | $-841,000 | 8,567 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $208,000 | 8,689 |
| Total interest expense | $18,000 | 8,691 |
| Net interest income | $190,000 | 8,632 |
| Provision for loan and lease losses | $65,000 | 3,979 |
| Total noninterest income | $0 | 8,702 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $693,000 | 7,118 |
| Salaries and employee benefits | $184,000 | 8,282 |
| Premises and equipment expense | $82,000 | 7,140 |
| Additional noninterest expense | $427,000 | 4,997 |
| Pre-tax net operating income | $-568,000 | 8,590 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-568,000 | 8,609 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-568,000 | 8,609 |
| 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 | $9,000,000 | 113 |
| Net operating income | $-568,000 | 8,605 |
* 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.