Home > Desert Commercial Bank > Income and Expense
Desert Commercial Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,382,000 | 3,628 |
| Total interest expense | $472,000 | 3,965 |
| Net interest income | $2,910,000 | 3,509 |
| Provision for loan and lease losses | $665,000 | 1,464 |
| Total noninterest income | $128,000 | 5,511 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $77,000 | 4,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 5,425 |
| Total noninterest expense | $3,109,000 | 2,974 |
| Salaries and employee benefits | $1,593,000 | 3,029 |
| Premises and equipment expense | $531,000 | 2,174 |
| Additional noninterest expense | $985,000 | 3,164 |
| Pre-tax net operating income | $-736,000 | 6,904 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $1,000 | 4,644 |
| Income before extraordinary items | $-737,000 | 6,946 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-737,000 | 6,945 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-737,000 | 6,946 |
| Net charge-offs | $743,000 | 1,384 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 659 |
| Net operating income | $-737,000 | 6,923 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,739,000 | 3,582 |
| Total interest expense | $238,000 | 4,042 |
| Net interest income | $1,501,000 | 3,457 |
| Provision for loan and lease losses | $400,000 | 1,246 |
| Total noninterest income | $69,000 | 5,464 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $33,000 | 5,070 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $36,000 | 5,151 |
| Total noninterest expense | $1,584,000 | 2,923 |
| Salaries and employee benefits | $784,000 | 3,070 |
| Premises and equipment expense | $263,000 | 2,199 |
| Additional noninterest expense | $537,000 | 2,921 |
| Pre-tax net operating income | $-414,000 | 7,011 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-414,000 | 7,047 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-414,000 | 7,046 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-414,000 | 7,047 |
| Net charge-offs | $844,000 | 759 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 597 |
| Net operating income | $-414,000 | 7,020 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,746,000 | 3,417 |
| Total interest expense | $1,189,000 | 3,994 |
| Net interest income | $6,557,000 | 3,236 |
| Provision for loan and lease losses | $1,518,000 | 1,871 |
| Total noninterest income | $115,000 | 6,310 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $78,000 | 5,844 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $37,000 | 6,109 |
| Total noninterest expense | $7,082,000 | 2,645 |
| Salaries and employee benefits | $3,428,000 | 2,789 |
| Premises and equipment expense | $1,146,000 | 2,142 |
| Additional noninterest expense | $2,508,000 | 2,584 |
| Pre-tax net operating income | $-1,928,000 | 6,779 |
| Securities gains (losses) | $15,000 | 3,193 |
| Applicable income taxes | $1,000 | 4,639 |
| Income before extraordinary items | $-1,914,000 | 6,823 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,914,000 | 6,823 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,914,000 | 6,823 |
| Net charge-offs | $1,499,000 | 1,872 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $178,000 | 547 |
| Net operating income | $-1,929,000 | 6,800 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,908,000 | 3,402 |
| Total interest expense | $924,000 | 4,028 |
| Net interest income | $4,984,000 | 3,218 |
| Provision for loan and lease losses | $1,309,000 | 1,651 |
| Total noninterest income | $81,000 | 6,450 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $54,000 | 5,973 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $27,000 | 6,233 |
| Total noninterest expense | $5,118,000 | 2,721 |
| Salaries and employee benefits | $2,549,000 | 2,812 |
| Premises and equipment expense | $861,000 | 2,158 |
| Additional noninterest expense | $1,708,000 | 2,799 |
| Pre-tax net operating income | $-1,362,000 | 6,892 |
| Securities gains (losses) | $15,000 | 2,920 |
| Applicable income taxes | $1,000 | 4,642 |
| Income before extraordinary items | $-1,348,000 | 6,948 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,348,000 | 6,949 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,348,000 | 6,949 |
| Net charge-offs | $1,154,000 | 1,759 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 513 |
| Net operating income | $-1,363,000 | 6,922 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 3,347 |
| Total interest expense | $627,000 | 4,094 |
| Net interest income | $3,440,000 | 3,140 |
| Provision for loan and lease losses | $1,027,000 | 1,475 |
| Total noninterest income | $57,000 | 6,449 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $37,000 | 5,936 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 6,250 |
| Total noninterest expense | $3,361,000 | 2,781 |
| Salaries and employee benefits | $1,640,000 | 2,916 |
| Premises and equipment expense | $565,000 | 2,212 |
| Additional noninterest expense | $1,156,000 | 2,821 |
| Pre-tax net operating income | $-891,000 | 6,945 |
| Securities gains (losses) | $15,000 | 2,213 |
| Applicable income taxes | $1,000 | 4,573 |
| Income before extraordinary items | $-877,000 | 6,991 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-877,000 | 6,990 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-877,000 | 6,991 |
| Net charge-offs | $622,000 | 1,916 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 425 |
| Net operating income | $-892,000 | 6,979 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 3,262 |
| Total interest expense | $320,000 | 4,132 |
| Net interest income | $1,795,000 | 3,005 |
| Provision for loan and lease losses | $322,000 | 1,853 |
| Total noninterest income | $28,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $18,000 | 5,934 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,000 | 6,371 |
| Total noninterest expense | $1,875,000 | 2,549 |
| Salaries and employee benefits | $815,000 | 2,949 |
| Premises and equipment expense | $283,000 | 2,247 |
| Additional noninterest expense | $777,000 | 2,162 |
| Pre-tax net operating income | $-374,000 | 7,010 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-374,000 | 7,051 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-374,000 | 7,051 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-374,000 | 7,051 |
| Net charge-offs | $416,000 | 1,490 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 376 |
| Net operating income | $-374,000 | 7,036 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,083,000 | 3,524 |
| Total interest expense | $1,360,000 | 4,502 |
| Net interest income | $6,723,000 | 3,184 |
| Provision for loan and lease losses | $958,000 | 3,132 |
| Total noninterest income | $455,000 | 4,740 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $95,000 | 5,546 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $360,000 | 3,680 |
| Total noninterest expense | $6,348,000 | 2,973 |
| Salaries and employee benefits | $3,135,000 | 2,994 |
| Premises and equipment expense | $1,159,000 | 2,178 |
| Additional noninterest expense | $2,054,000 | 3,187 |
| Pre-tax net operating income | $-128,000 | 5,969 |
| Securities gains (losses) | $235,000 | 1,452 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $106,000 | 5,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $106,000 | 5,593 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $106,000 | 5,593 |
| Net charge-offs | $1,654,000 | 2,061 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $169,000 | 655 |
| Net operating income | $-126,650 | 6,029 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,040,000 | 3,601 |
| Total interest expense | $1,025,000 | 4,635 |
| Net interest income | $5,015,000 | 3,235 |
| Provision for loan and lease losses | $400,000 | 3,898 |
| Total noninterest income | $334,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $72,000 | 5,624 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $262,000 | 3,756 |
| Total noninterest expense | $4,815,000 | 2,936 |
| Salaries and employee benefits | $2,321,000 | 3,049 |
| Premises and equipment expense | $872,000 | 2,206 |
| Additional noninterest expense | $1,622,000 | 2,997 |
| Pre-tax net operating income | $134,000 | 5,489 |
| Securities gains (losses) | $212,000 | 1,337 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $345,000 | 4,674 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $345,000 | 4,677 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $345,000 | 4,677 |
| Net charge-offs | $1,322,000 | 1,896 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 627 |
| Net operating income | $133,000 | 5,427 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 3,664 |
| Total interest expense | $685,000 | 4,735 |
| Net interest income | $3,294,000 | 3,272 |
| Provision for loan and lease losses | $304,000 | 3,577 |
| Total noninterest income | $248,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $53,000 | 5,511 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $195,000 | 3,542 |
| Total noninterest expense | $3,216,000 | 2,934 |
| Salaries and employee benefits | $1,551,000 | 3,060 |
| Premises and equipment expense | $577,000 | 2,240 |
| Additional noninterest expense | $1,088,000 | 2,980 |
| Pre-tax net operating income | $22,000 | 5,959 |
| Securities gains (losses) | $212,000 | 925 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $233,000 | 4,670 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $233,000 | 4,670 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $233,000 | 4,670 |
| Net charge-offs | $1,133,000 | 1,600 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 559 |
| Net operating income | $21,000 | 5,980 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,996,000 | 3,717 |
| Total interest expense | $336,000 | 4,922 |
| Net interest income | $1,660,000 | 3,262 |
| Provision for loan and lease losses | $69,000 | 4,469 |
| Total noninterest income | $58,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $23,000 | 5,727 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $35,000 | 5,238 |
| Total noninterest expense | $1,575,000 | 3,020 |
| Salaries and employee benefits | $770,000 | 3,114 |
| Premises and equipment expense | $286,000 | 2,303 |
| Additional noninterest expense | $519,000 | 3,068 |
| Pre-tax net operating income | $74,000 | 5,366 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $74,000 | 5,341 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $74,000 | 5,342 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $74,000 | 5,341 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 470 |
| Net operating income | $74,000 | 5,227 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,465,000 | 3,674 |
| Total interest expense | $2,457,000 | 3,942 |
| Net interest income | $6,008,000 | 3,465 |
| Provision for loan and lease losses | $1,390,000 | 3,005 |
| Total noninterest income | $93,000 | 7,029 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $88,000 | 5,919 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,000 | 7,291 |
| Total noninterest expense | $9,056,000 | 2,195 |
| Salaries and employee benefits | $2,982,000 | 3,193 |
| Premises and equipment expense | $1,201,000 | 2,217 |
| Additional noninterest expense | $4,873,000 | 1,531 |
| Pre-tax net operating income | $-4,345,000 | 7,111 |
| Securities gains (losses) | $325,000 | 1,169 |
| Applicable income taxes | $1,000 | 4,275 |
| Income before extraordinary items | $-4,021,000 | 7,157 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,021,000 | 7,157 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,021,000 | 7,156 |
| Net charge-offs | $971,000 | 2,892 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $5,607,000 | 166 |
| Net operating income | $-4,346,000 | 7,202 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,290,000 | 3,738 |
| Total interest expense | $1,947,000 | 3,915 |
| Net interest income | $4,343,000 | 3,569 |
| Provision for loan and lease losses | $710,000 | 3,251 |
| Total noninterest income | $59,000 | 7,297 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $64,000 | 6,008 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-5,000 | 7,650 |
| Total noninterest expense | $5,575,000 | 2,656 |
| Salaries and employee benefits | $2,186,000 | 3,292 |
| Premises and equipment expense | $916,000 | 2,206 |
| Additional noninterest expense | $2,473,000 | 2,130 |
| Pre-tax net operating income | $-1,883,000 | 7,006 |
| Securities gains (losses) | $-1,000 | 7,086 |
| Applicable income taxes | $1,000 | 4,465 |
| Income before extraordinary items | $-1,885,000 | 7,133 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,885,000 | 7,133 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,885,000 | 7,132 |
| Net charge-offs | $352,000 | 3,496 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 628 |
| Net operating income | $-1,884,000 | 7,129 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 3,788 |
| Total interest expense | $1,352,000 | 3,926 |
| Net interest income | $2,819,000 | 3,634 |
| Provision for loan and lease losses | $665,000 | 2,558 |
| Total noninterest income | $23,000 | 7,627 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $42,000 | 6,029 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-19,000 | 7,856 |
| Total noninterest expense | $4,034,000 | 2,475 |
| Salaries and employee benefits | $1,443,000 | 3,344 |
| Premises and equipment expense | $614,000 | 2,218 |
| Additional noninterest expense | $1,977,000 | 1,824 |
| Pre-tax net operating income | $-1,857,000 | 7,348 |
| Securities gains (losses) | $-1,000 | 7,343 |
| Applicable income taxes | $1,000 | 4,523 |
| Income before extraordinary items | $-1,859,000 | 7,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,859,000 | 7,439 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,859,000 | 7,438 |
| Net charge-offs | $352,000 | 2,753 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 600 |
| Net operating income | $-1,858,000 | 7,438 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 3,781 |
| Total interest expense | $717,000 | 3,877 |
| Net interest income | $1,398,000 | 3,644 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $33,000 | 6,915 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $21,000 | 6,011 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $12,000 | 6,706 |
| Total noninterest expense | $2,133,000 | 2,285 |
| Salaries and employee benefits | $698,000 | 3,475 |
| Premises and equipment expense | $310,000 | 2,240 |
| Additional noninterest expense | $1,125,000 | 1,445 |
| Pre-tax net operating income | $-747,000 | 7,510 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $-748,000 | 7,607 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-748,000 | 7,608 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-748,000 | 7,608 |
| Net charge-offs | $352,000 | 1,645 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 593 |
| Net operating income | $-748,000 | 7,600 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,613,000 | 3,641 |
| Total interest expense | $3,280,000 | 4,006 |
| Net interest income | $6,333,000 | 3,336 |
| Provision for loan and lease losses | $4,302,000 | 1,116 |
| Total noninterest income | $161,000 | 6,795 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $91,000 | 6,024 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $70,000 | 6,382 |
| Total noninterest expense | $6,709,000 | 2,780 |
| Salaries and employee benefits | $3,372,000 | 2,934 |
| Premises and equipment expense | $1,269,000 | 2,131 |
| Additional noninterest expense | $2,068,000 | 2,782 |
| Pre-tax net operating income | $-4,517,000 | 7,764 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-4,517,000 | 7,784 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,517,000 | 7,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,551,000 | 752 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $271,000 | 693 |
| Net operating income | $-4,517,000 | 7,837 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,468,000 | 3,607 |
| Total interest expense | $2,527,000 | 4,049 |
| Net interest income | $4,941,000 | 3,253 |
| Provision for loan and lease losses | $4,303,000 | 714 |
| Total noninterest income | $113,000 | 6,983 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $68,000 | 6,072 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $45,000 | 6,722 |
| Total noninterest expense | $5,116,000 | 2,725 |
| Salaries and employee benefits | $2,816,000 | 2,689 |
| Premises and equipment expense | $947,000 | 2,146 |
| Additional noninterest expense | $1,353,000 | 3,028 |
| Pre-tax net operating income | $-4,365,000 | 8,099 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,000 | 5,240 |
| Income before extraordinary items | $-4,366,000 | 8,097 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,366,000 | 8,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,351,000 | 491 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $410,000 | 426 |
| Net operating income | $-4,366,000 | 8,146 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,252,000 | 3,514 |
| Total interest expense | $1,799,000 | 4,013 |
| Net interest income | $3,453,000 | 3,100 |
| Provision for loan and lease losses | $2,151,000 | 745 |
| Total noninterest income | $64,000 | 7,231 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $46,000 | 6,062 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $18,000 | 7,278 |
| Total noninterest expense | $3,509,000 | 2,672 |
| Salaries and employee benefits | $1,999,000 | 2,569 |
| Premises and equipment expense | $621,000 | 2,177 |
| Additional noninterest expense | $889,000 | 3,045 |
| Pre-tax net operating income | $-2,143,000 | 8,175 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $-2,144,000 | 8,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,144,000 | 8,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,572,000 | 644 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $317,000 | 328 |
| Net operating income | $-2,144,000 | 8,218 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 3,545 |
| Total interest expense | $1,008,000 | 3,900 |
| Net interest income | $1,674,000 | 3,187 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $30,000 | 7,325 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 7,392 |
| Total noninterest expense | $1,669,000 | 2,778 |
| Salaries and employee benefits | $916,000 | 2,778 |
| Premises and equipment expense | $285,000 | 2,367 |
| Additional noninterest expense | $468,000 | 2,874 |
| Pre-tax net operating income | $-40,000 | 7,364 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-40,000 | 7,468 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-40,000 | 7,468 |
| 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 | $85,000 | 354 |
| Net operating income | $-40,000 | 7,406 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,308,000 | 3,446 |
| Total interest expense | $4,789,000 | 3,574 |
| Net interest income | $6,519,000 | 3,291 |
| Provision for loan and lease losses | $1,762,000 | 936 |
| Total noninterest income | $87,000 | 7,696 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $53,000 | 6,700 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $34,000 | 7,445 |
| Total noninterest expense | $7,465,000 | 2,446 |
| Salaries and employee benefits | $4,079,000 | 2,456 |
| Premises and equipment expense | $1,485,000 | 1,769 |
| Additional noninterest expense | $1,901,000 | 2,786 |
| Pre-tax net operating income | $-2,621,000 | 8,343 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 5,973 |
| Income before extraordinary items | $-2,622,000 | 8,381 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,622,000 | 8,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 2,153 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $582,000 | 507 |
| Net operating income | $-2,622,000 | 8,373 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,316,000 | 3,510 |
| Total interest expense | $3,608,000 | 3,559 |
| Net interest income | $4,708,000 | 3,391 |
| Provision for loan and lease losses | $480,000 | 1,622 |
| Total noninterest income | $58,000 | 7,835 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $32,000 | 6,890 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $26,000 | 7,468 |
| Total noninterest expense | $5,784,000 | 2,350 |
| Salaries and employee benefits | $3,198,000 | 2,355 |
| Premises and equipment expense | $1,135,000 | 1,728 |
| Additional noninterest expense | $1,451,000 | 2,697 |
| Pre-tax net operating income | $-1,498,000 | 8,386 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $-1,499,000 | 8,416 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,499,000 | 8,412 |
| 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 | $440,000 | 431 |
| Net operating income | $-1,499,000 | 8,406 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,555,000 | 3,516 |
| Total interest expense | $2,386,000 | 3,582 |
| Net interest income | $3,169,000 | 3,396 |
| Provision for loan and lease losses | $438,000 | 1,155 |
| Total noninterest income | $36,000 | 7,942 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $18,000 | 7,024 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $18,000 | 7,471 |
| Total noninterest expense | $3,797,000 | 2,408 |
| Salaries and employee benefits | $2,136,000 | 2,388 |
| Premises and equipment expense | $627,000 | 2,069 |
| Additional noninterest expense | $1,034,000 | 2,547 |
| Pre-tax net operating income | $-1,030,000 | 8,463 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,000 | 6,141 |
| Income before extraordinary items | $-1,031,000 | 8,489 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,031,000 | 8,486 |
| 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 | $224,000 | 431 |
| Net operating income | $-1,031,000 | 8,479 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 3,628 |
| Total interest expense | $1,131,000 | 3,689 |
| Net interest income | $1,506,000 | 3,530 |
| Provision for loan and lease losses | $355,000 | 694 |
| Total noninterest income | $15,000 | 8,067 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $8,000 | 7,097 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $1,911,000 | 2,393 |
| Salaries and employee benefits | $1,009,000 | 2,538 |
| Premises and equipment expense | $289,000 | 2,263 |
| Additional noninterest expense | $613,000 | 2,148 |
| Pre-tax net operating income | $-745,000 | 8,566 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $-746,000 | 8,578 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-746,000 | 8,576 |
| 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 | $140,000 | 290 |
| Net operating income | $-746,000 | 8,572 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,308,000 | 4,850 |
| Total interest expense | $2,712,000 | 4,580 |
| Net interest income | $3,596,000 | 4,964 |
| Provision for loan and lease losses | $1,060,000 | 994 |
| Total noninterest income | $124,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $15,000 | 7,347 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $109,000 | 6,186 |
| Total noninterest expense | $5,348,000 | 3,162 |
| Salaries and employee benefits | $2,689,000 | 3,431 |
| Premises and equipment expense | $1,123,000 | 2,216 |
| Additional noninterest expense | $1,536,000 | 3,237 |
| Pre-tax net operating income | $-2,688,000 | 8,620 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,000 | 6,499 |
| Income before extraordinary items | $-2,689,000 | 8,632 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-2,689,000 | 8,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $8,487,000 | 241 |
| Net operating income | $-2,689,000 | 8,624 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,107,000 | 5,291 |
| Total interest expense | $1,769,000 | 4,899 |
| Net interest income | $2,338,000 | 5,453 |
| Provision for loan and lease losses | $641,000 | 1,136 |
| Total noninterest income | $78,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $10,000 | 7,439 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 6,480 |
| Total noninterest expense | $3,845,000 | 3,264 |
| Salaries and employee benefits | $1,903,000 | 3,575 |
| Premises and equipment expense | $793,000 | 2,353 |
| Additional noninterest expense | $1,149,000 | 3,242 |
| Pre-tax net operating income | $-2,070,000 | 8,701 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $-2,071,000 | 8,705 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-2,071,000 | 8,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $8,364,000 | 183 |
| Net operating income | $-2,071,000 | 8,699 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,287,000 | 5,776 |
| Total interest expense | $946,000 | 5,368 |
| Net interest income | $1,341,000 | 5,926 |
| Provision for loan and lease losses | $464,000 | 1,040 |
| Total noninterest income | $41,000 | 8,050 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $4,000 | 7,559 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 6,841 |
| Total noninterest expense | $2,446,000 | 3,401 |
| Salaries and employee benefits | $1,217,000 | 3,706 |
| Premises and equipment expense | $487,000 | 2,541 |
| Additional noninterest expense | $742,000 | 3,322 |
| Pre-tax net operating income | $-1,528,000 | 8,736 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $-1,529,000 | 8,740 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,529,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $8,291,000 | 125 |
| Net operating income | $-1,529,000 | 8,729 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $878,000 | 6,417 |
| Total interest expense | $368,000 | 5,909 |
| Net interest income | $510,000 | 6,628 |
| Provision for loan and lease losses | $195,000 | 1,170 |
| Total noninterest income | $32,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 7,586 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,069 |
| Total noninterest expense | $1,060,000 | 3,832 |
| Salaries and employee benefits | $517,000 | 4,190 |
| Premises and equipment expense | $222,000 | 2,763 |
| Additional noninterest expense | $321,000 | 3,687 |
| Pre-tax net operating income | $-713,000 | 8,729 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $-714,000 | 8,738 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-714,000 | 8,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $8,222,000 | 59 |
| Net operating income | $-714,000 | 8,730 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $892,000 | 8,427 |
| Total interest expense | $202,000 | 8,444 |
| Net interest income | $690,000 | 8,352 |
| Provision for loan and lease losses | $225,000 | 3,375 |
| Total noninterest income | $6,000 | 8,695 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,000 | 7,726 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,000 | 8,545 |
| Total noninterest expense | $2,037,000 | 6,051 |
| Salaries and employee benefits | $930,000 | 6,548 |
| Premises and equipment expense | $296,000 | 5,774 |
| Additional noninterest expense | $811,000 | 5,126 |
| Pre-tax net operating income | $-1,566,000 | 8,728 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $-1,567,000 | 8,746 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,567,000 | 8,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $16,507,000 | 95 |
| Net operating income | $-1,567,000 | 8,730 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $402,000 | 8,663 |
| Total interest expense | $69,000 | 8,684 |
| Net interest income | $333,000 | 8,628 |
| Provision for loan and lease losses | $127,000 | 3,795 |
| Total noninterest income | $2,000 | 8,774 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,654 |
| Total noninterest expense | $1,303,000 | 6,502 |
| Salaries and employee benefits | $595,000 | 6,954 |
| Premises and equipment expense | $174,000 | 6,372 |
| Additional noninterest expense | $534,000 | 5,514 |
| Pre-tax net operating income | $-1,095,000 | 8,735 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-1,095,000 | 8,758 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,095,000 | 8,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $16,500,000 | 71 |
| Net operating income | $-1,095,000 | 8,739 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $131,000 | 8,794 |
| Total interest expense | $2,000 | 8,841 |
| Net interest income | $129,000 | 8,772 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $0 | 8,806 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $777,000 | 6,801 |
| Salaries and employee benefits | $393,000 | 6,964 |
| Premises and equipment expense | $56,000 | 7,729 |
| Additional noninterest expense | $328,000 | 5,731 |
| Pre-tax net operating income | $-648,000 | 8,718 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-648,000 | 8,744 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-648,000 | 8,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $16,500,000 | 49 |
| Net operating income | $-648,000 | 8,720 |
* 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.