Home > Desert Hills Bank > Income and Expense
Desert Hills Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $22,183,000 | 1,544 |
| Total interest expense | $12,294,000 | 963 |
| Net interest income | $9,889,000 | 2,213 |
| Provision for loan and lease losses | $6,585,000 | 1,168 |
| Total noninterest income | $4,034,000 | 1,292 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $183,000 | 4,802 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $3,851,000 | 877 |
| Total noninterest expense | $17,366,000 | 1,195 |
| Salaries and employee benefits | $7,723,000 | 1,276 |
| Premises and equipment expense | $2,191,000 | 1,243 |
| Additional noninterest expense | $7,452,000 | 1,038 |
| Pre-tax net operating income | $-10,028,000 | 7,488 |
| Securities gains (losses) | $107,000 | 2,084 |
| Applicable income taxes | $-1,125,000 | 7,320 |
| Income before extraordinary items | $-8,796,000 | 7,506 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,796,000 | 7,505 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,796,000 | 7,505 |
| Net charge-offs | $16,006,000 | 473 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,303 |
| Net operating income | $-8,891,230 | 7,518 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,212,000 | 1,525 |
| Total interest expense | $9,867,000 | 943 |
| Net interest income | $7,345,000 | 2,230 |
| Provision for loan and lease losses | $6,585,000 | 863 |
| Total noninterest income | $4,062,000 | 1,031 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $142,000 | 4,772 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,920,000 | 702 |
| Total noninterest expense | $12,851,000 | 1,199 |
| Salaries and employee benefits | $6,030,000 | 1,244 |
| Premises and equipment expense | $1,639,000 | 1,260 |
| Additional noninterest expense | $5,182,000 | 1,090 |
| Pre-tax net operating income | $-8,029,000 | 7,674 |
| Securities gains (losses) | $107,000 | 1,779 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-7,922,000 | 7,723 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,922,000 | 7,722 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,922,000 | 7,722 |
| Net charge-offs | $13,259,000 | 422 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,230 |
| Net operating income | $-8,029,000 | 7,733 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,664,000 | 1,535 |
| Total interest expense | $6,909,000 | 948 |
| Net interest income | $4,755,000 | 2,305 |
| Provision for loan and lease losses | $2,000,000 | 1,389 |
| Total noninterest income | $741,000 | 2,645 |
| 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 | $646,000 | 1,893 |
| Total noninterest expense | $8,621,000 | 1,205 |
| Salaries and employee benefits | $4,113,000 | 1,236 |
| Premises and equipment expense | $1,077,000 | 1,307 |
| Additional noninterest expense | $3,431,000 | 1,122 |
| Pre-tax net operating income | $-5,125,000 | 7,748 |
| Securities gains (losses) | $107,000 | 1,448 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-5,018,000 | 7,797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,018,000 | 7,796 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,018,000 | 7,796 |
| Net charge-offs | $8,430,000 | 419 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,182 |
| Net operating income | $-5,125,000 | 7,818 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,235,000 | 1,445 |
| Total interest expense | $3,620,000 | 937 |
| Net interest income | $2,615,000 | 2,097 |
| Provision for loan and lease losses | $1,000,000 | 1,178 |
| Total noninterest income | $938,000 | 1,358 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $48,000 | 4,692 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $890,000 | 923 |
| Total noninterest expense | $3,869,000 | 1,294 |
| Salaries and employee benefits | $2,158,000 | 1,185 |
| Premises and equipment expense | $539,000 | 1,329 |
| Additional noninterest expense | $1,172,000 | 1,386 |
| Pre-tax net operating income | $-1,316,000 | 7,717 |
| Securities gains (losses) | $106,000 | 969 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,210,000 | 7,760 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,210,000 | 7,763 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,210,000 | 7,762 |
| Net charge-offs | $5,544,000 | 297 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,316,000 | 7,785 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,326,000 | 1,276 |
| Total interest expense | $16,606,000 | 962 |
| Net interest income | $13,720,000 | 1,626 |
| Provision for loan and lease losses | $18,759,000 | 385 |
| Total noninterest income | $-2,158,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $201,000 | 4,775 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-2,359,000 | 8,282 |
| Total noninterest expense | $17,936,000 | 1,097 |
| Salaries and employee benefits | $8,940,000 | 1,104 |
| Premises and equipment expense | $2,304,000 | 1,191 |
| Additional noninterest expense | $6,692,000 | 954 |
| Pre-tax net operating income | $-25,133,000 | 8,133 |
| Securities gains (losses) | $291,000 | 562 |
| Applicable income taxes | $-479,000 | 7,477 |
| Income before extraordinary items | $-24,363,000 | 8,124 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-24,363,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,894,000 | 832 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $382,000 | 612 |
| Net operating income | $-24,648,180 | 8,143 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,994,000 | 1,222 |
| Total interest expense | $12,542,000 | 993 |
| Net interest income | $11,452,000 | 1,480 |
| Provision for loan and lease losses | $2,636,000 | 984 |
| Total noninterest income | $1,298,000 | 2,443 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $157,000 | 4,733 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,141,000 | 1,658 |
| Total noninterest expense | $12,203,000 | 1,195 |
| Salaries and employee benefits | $6,765,000 | 1,115 |
| Premises and equipment expense | $1,708,000 | 1,205 |
| Additional noninterest expense | $3,730,000 | 1,229 |
| Pre-tax net operating income | $-2,089,000 | 7,882 |
| Securities gains (losses) | $288,000 | 480 |
| Applicable income taxes | $-773,000 | 7,986 |
| Income before extraordinary items | $-1,028,000 | 7,514 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,028,000 | 7,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $931,000 | 1,369 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 1,035 |
| Net operating income | $-1,212,320 | 7,716 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,582,000 | 1,193 |
| Total interest expense | $8,584,000 | 1,009 |
| Net interest income | $7,998,000 | 1,396 |
| Provision for loan and lease losses | $1,207,000 | 1,089 |
| Total noninterest income | $1,177,000 | 1,976 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $111,000 | 4,642 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,066,000 | 1,331 |
| Total noninterest expense | $8,178,000 | 1,188 |
| Salaries and employee benefits | $4,672,000 | 1,099 |
| Premises and equipment expense | $1,116,000 | 1,222 |
| Additional noninterest expense | $2,390,000 | 1,243 |
| Pre-tax net operating income | $-210,000 | 7,337 |
| Securities gains (losses) | $284,000 | 472 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $72,000 | 6,537 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 6,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $547,000 | 1,239 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-203,480 | 7,394 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,587,000 | 1,185 |
| Total interest expense | $4,529,000 | 1,028 |
| Net interest income | $4,058,000 | 1,365 |
| Provision for loan and lease losses | $210,000 | 1,766 |
| Total noninterest income | $632,000 | 1,880 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $54,000 | 4,649 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $578,000 | 1,263 |
| Total noninterest expense | $3,959,000 | 1,222 |
| Salaries and employee benefits | $2,398,000 | 1,082 |
| Premises and equipment expense | $553,000 | 1,239 |
| Additional noninterest expense | $1,008,000 | 1,424 |
| Pre-tax net operating income | $521,000 | 2,992 |
| Securities gains (losses) | $284,000 | 346 |
| Applicable income taxes | $323,000 | 1,403 |
| Income before extraordinary items | $482,000 | 2,770 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $482,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,385 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $300,240 | 3,718 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $37,325,000 | 1,139 |
| Total interest expense | $18,879,000 | 1,035 |
| Net interest income | $18,446,000 | 1,207 |
| Provision for loan and lease losses | $2,243,000 | 767 |
| Total noninterest income | $2,671,000 | 1,788 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $180,000 | 5,109 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,491,000 | 1,160 |
| Total noninterest expense | $16,203,000 | 1,155 |
| Salaries and employee benefits | $9,736,000 | 1,034 |
| Premises and equipment expense | $1,949,000 | 1,364 |
| Additional noninterest expense | $4,518,000 | 1,243 |
| Pre-tax net operating income | $2,671,000 | 2,679 |
| Securities gains (losses) | $57,000 | 754 |
| Applicable income taxes | $1,129,000 | 1,714 |
| Income before extraordinary items | $1,599,000 | 3,302 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,599,000 | 3,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,374,000 | 546 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $292,000 | 652 |
| Net operating income | $1,562,520 | 3,338 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $28,303,000 | 1,128 |
| Total interest expense | $13,890,000 | 1,056 |
| Net interest income | $14,413,000 | 1,162 |
| Provision for loan and lease losses | $775,000 | 1,122 |
| Total noninterest income | $2,181,000 | 1,682 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 5,150 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,048,000 | 1,092 |
| Total noninterest expense | $12,332,000 | 1,138 |
| Salaries and employee benefits | $7,810,000 | 956 |
| Premises and equipment expense | $1,690,000 | 1,168 |
| Additional noninterest expense | $2,832,000 | 1,429 |
| Pre-tax net operating income | $3,487,000 | 1,856 |
| Securities gains (losses) | $6,000 | 1,140 |
| Applicable income taxes | $1,246,000 | 1,406 |
| Income before extraordinary items | $2,247,000 | 2,163 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,247,000 | 2,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,203 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,243,160 | 2,155 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $18,740,000 | 1,152 |
| Total interest expense | $8,920,000 | 1,100 |
| Net interest income | $9,820,000 | 1,156 |
| Provision for loan and lease losses | $460,000 | 1,097 |
| Total noninterest income | $1,646,000 | 1,562 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $93,000 | 5,085 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,553,000 | 1,018 |
| Total noninterest expense | $8,203,000 | 1,151 |
| Salaries and employee benefits | $5,281,000 | 957 |
| Premises and equipment expense | $1,130,000 | 1,184 |
| Additional noninterest expense | $1,792,000 | 1,518 |
| Pre-tax net operating income | $2,803,000 | 1,642 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $1,086,000 | 1,198 |
| Income before extraordinary items | $1,721,000 | 1,996 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,721,000 | 1,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,546 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,718,440 | 1,979 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,180,000 | 1,167 |
| Total interest expense | $4,278,000 | 1,143 |
| Net interest income | $4,902,000 | 1,143 |
| Provision for loan and lease losses | $140,000 | 1,574 |
| Total noninterest income | $904,000 | 1,414 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $46,000 | 5,043 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $858,000 | 950 |
| Total noninterest expense | $4,138,000 | 1,137 |
| Salaries and employee benefits | $2,693,000 | 948 |
| Premises and equipment expense | $582,000 | 1,160 |
| Additional noninterest expense | $863,000 | 1,542 |
| Pre-tax net operating income | $1,528,000 | 1,517 |
| Securities gains (losses) | $4,000 | 855 |
| Applicable income taxes | $568,000 | 1,164 |
| Income before extraordinary items | $964,000 | 1,775 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $964,000 | 1,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $961,440 | 1,767 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $29,377,000 | 1,355 |
| Total interest expense | $13,122,000 | 1,291 |
| Net interest income | $16,255,000 | 1,401 |
| Provision for loan and lease losses | $1,321,000 | 792 |
| Total noninterest income | $1,980,000 | 2,245 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $141,000 | 5,626 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,839,000 | 1,448 |
| Total noninterest expense | $12,679,000 | 1,409 |
| Salaries and employee benefits | $7,604,000 | 1,277 |
| Premises and equipment expense | $1,781,000 | 1,442 |
| Additional noninterest expense | $3,294,000 | 1,606 |
| Pre-tax net operating income | $4,235,000 | 2,161 |
| Securities gains (losses) | $14,000 | 999 |
| Applicable income taxes | $1,455,000 | 1,712 |
| Income before extraordinary items | $2,794,000 | 2,392 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,794,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,104 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,784,760 | 2,381 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,685,000 | 1,374 |
| Total interest expense | $9,246,000 | 1,329 |
| Net interest income | $12,439,000 | 1,390 |
| Provision for loan and lease losses | $1,131,000 | 671 |
| Total noninterest income | $1,367,000 | 2,381 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $106,000 | 5,698 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,261,000 | 1,531 |
| Total noninterest expense | $9,206,000 | 1,462 |
| Salaries and employee benefits | $5,613,000 | 1,315 |
| Premises and equipment expense | $1,228,000 | 1,581 |
| Additional noninterest expense | $2,365,000 | 1,667 |
| Pre-tax net operating income | $3,469,000 | 2,081 |
| Securities gains (losses) | $14,000 | 824 |
| Applicable income taxes | $1,092,000 | 1,771 |
| Income before extraordinary items | $2,391,000 | 2,222 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,391,000 | 2,225 |
| 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 | $2,381,340 | 2,228 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,633,000 | 1,421 |
| Total interest expense | $5,526,000 | 1,396 |
| Net interest income | $8,107,000 | 1,426 |
| Provision for loan and lease losses | $898,000 | 585 |
| Total noninterest income | $986,000 | 2,249 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $69,000 | 5,740 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $917,000 | 1,449 |
| Total noninterest expense | $5,846,000 | 1,535 |
| Salaries and employee benefits | $3,538,000 | 1,399 |
| Premises and equipment expense | $773,000 | 1,658 |
| Additional noninterest expense | $1,535,000 | 1,722 |
| Pre-tax net operating income | $2,349,000 | 2,057 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $662,000 | 1,920 |
| Income before extraordinary items | $1,687,000 | 2,128 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,687,000 | 2,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,835 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,687,000 | 2,109 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,402,000 | 1,477 |
| Total interest expense | $2,489,000 | 1,477 |
| Net interest income | $3,913,000 | 1,466 |
| Provision for loan and lease losses | $290,000 | 825 |
| Total noninterest income | $550,000 | 2,058 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $518,000 | 1,314 |
| Total noninterest expense | $2,717,000 | 1,647 |
| Salaries and employee benefits | $1,654,000 | 1,504 |
| Premises and equipment expense | $348,000 | 1,818 |
| Additional noninterest expense | $715,000 | 1,830 |
| Pre-tax net operating income | $1,456,000 | 1,662 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $533,000 | 1,323 |
| Income before extraordinary items | $923,000 | 1,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $923,000 | 1,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $923,000 | 1,908 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,343,000 | 1,833 |
| Total interest expense | $5,537,000 | 2,021 |
| Net interest income | $12,806,000 | 1,720 |
| Provision for loan and lease losses | $1,376,000 | 777 |
| Total noninterest income | $1,824,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $126,000 | 5,921 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,698,000 | 1,514 |
| Total noninterest expense | $9,947,000 | 1,709 |
| Salaries and employee benefits | $6,314,000 | 1,491 |
| Premises and equipment expense | $1,202,000 | 1,992 |
| Additional noninterest expense | $2,431,000 | 2,064 |
| Pre-tax net operating income | $3,307,000 | 2,563 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,256,000 | 1,931 |
| Income before extraordinary items | $2,051,000 | 3,042 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,051,000 | 3,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,884 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,051,000 | 2,997 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,494,000 | 1,955 |
| Total interest expense | $3,470,000 | 2,238 |
| Net interest income | $9,024,000 | 1,813 |
| Provision for loan and lease losses | $991,000 | 768 |
| Total noninterest income | $1,398,000 | 2,325 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $92,000 | 6,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,306,000 | 1,491 |
| Total noninterest expense | $7,184,000 | 1,749 |
| Salaries and employee benefits | $4,676,000 | 1,493 |
| Premises and equipment expense | $820,000 | 2,181 |
| Additional noninterest expense | $1,688,000 | 2,191 |
| Pre-tax net operating income | $2,247,000 | 2,797 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $853,000 | 2,110 |
| Income before extraordinary items | $1,394,000 | 3,318 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,394,000 | 3,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,394,000 | 3,278 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,306,000 | 2,156 |
| Total interest expense | $1,884,000 | 2,536 |
| Net interest income | $5,422,000 | 2,004 |
| Provision for loan and lease losses | $496,000 | 986 |
| Total noninterest income | $869,000 | 2,412 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $57,000 | 6,097 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $812,000 | 1,562 |
| Total noninterest expense | $4,467,000 | 1,854 |
| Salaries and employee benefits | $2,818,000 | 1,637 |
| Premises and equipment expense | $507,000 | 2,301 |
| Additional noninterest expense | $1,142,000 | 2,155 |
| Pre-tax net operating income | $1,328,000 | 3,018 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $502,000 | 2,273 |
| Income before extraordinary items | $826,000 | 3,569 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $826,000 | 3,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,382 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $826,000 | 3,517 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,227,000 | 2,388 |
| Total interest expense | $773,000 | 2,884 |
| Net interest income | $2,454,000 | 2,190 |
| Provision for loan and lease losses | $222,000 | 1,049 |
| Total noninterest income | $453,000 | 2,297 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $23,000 | 6,401 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $430,000 | 1,476 |
| Total noninterest expense | $2,100,000 | 1,970 |
| Salaries and employee benefits | $1,328,000 | 1,736 |
| Premises and equipment expense | $234,000 | 2,501 |
| Additional noninterest expense | $538,000 | 2,267 |
| Pre-tax net operating income | $585,000 | 3,288 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $219,000 | 2,455 |
| Income before extraordinary items | $366,000 | 3,850 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $366,000 | 3,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,752 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $366,000 | 3,808 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,669,000 | 3,201 |
| Total interest expense | $1,887,000 | 3,822 |
| Net interest income | $6,782,000 | 2,976 |
| Provision for loan and lease losses | $349,000 | 2,642 |
| Total noninterest income | $1,393,000 | 2,821 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $224,000 | 4,977 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,169,000 | 1,945 |
| Total noninterest expense | $6,463,000 | 2,474 |
| Salaries and employee benefits | $3,886,000 | 2,240 |
| Premises and equipment expense | $784,000 | 2,837 |
| Additional noninterest expense | $1,793,000 | 2,658 |
| Pre-tax net operating income | $1,363,000 | 4,494 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $552,000 | 3,167 |
| Income before extraordinary items | $811,000 | 5,235 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $811,000 | 5,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 797 |
| Net operating income | $811,000 | 5,166 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,126,000 | 3,331 |
| Total interest expense | $1,304,000 | 4,035 |
| Net interest income | $4,822,000 | 3,094 |
| Provision for loan and lease losses | $170,000 | 3,327 |
| Total noninterest income | $903,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $188,000 | 4,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $715,000 | 2,231 |
| Total noninterest expense | $4,632,000 | 2,537 |
| Salaries and employee benefits | $2,787,000 | 2,325 |
| Premises and equipment expense | $565,000 | 2,932 |
| Additional noninterest expense | $1,280,000 | 2,739 |
| Pre-tax net operating income | $923,000 | 4,806 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $366,000 | 3,452 |
| Income before extraordinary items | $557,000 | 5,545 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $557,000 | 5,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 669 |
| Net operating income | $557,000 | 5,480 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,705,000 | 3,597 |
| Total interest expense | $837,000 | 4,142 |
| Net interest income | $2,868,000 | 3,388 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $388,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $110,000 | 5,057 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $278,000 | 3,126 |
| Total noninterest expense | $2,791,000 | 2,801 |
| Salaries and employee benefits | $1,626,000 | 2,637 |
| Premises and equipment expense | $349,000 | 3,134 |
| Additional noninterest expense | $816,000 | 2,886 |
| Pre-tax net operating income | $405,000 | 5,823 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $146,000 | 4,300 |
| Income before extraordinary items | $259,000 | 6,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 6,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 564 |
| Net operating income | $259,000 | 6,277 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,742 |
| Total interest expense | $406,000 | 4,277 |
| Net interest income | $1,371,000 | 3,506 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $65,000 | 6,712 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $42,000 | 5,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $23,000 | 6,579 |
| Total noninterest expense | $1,137,000 | 3,391 |
| Salaries and employee benefits | $656,000 | 3,199 |
| Premises and equipment expense | $151,000 | 3,573 |
| Additional noninterest expense | $330,000 | 3,467 |
| Pre-tax net operating income | $274,000 | 5,043 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $104,000 | 3,719 |
| Income before extraordinary items | $170,000 | 5,724 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $170,000 | 5,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 390 |
| Net operating income | $170,000 | 5,600 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,554,000 | 4,019 |
| Total interest expense | $1,814,000 | 4,329 |
| Net interest income | $4,740,000 | 3,835 |
| Provision for loan and lease losses | $469,000 | 2,297 |
| Total noninterest income | $269,000 | 6,818 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $139,000 | 6,007 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $130,000 | 6,086 |
| Total noninterest expense | $3,397,000 | 4,222 |
| Salaries and employee benefits | $1,723,000 | 4,398 |
| Premises and equipment expense | $392,000 | 4,785 |
| Additional noninterest expense | $1,282,000 | 3,531 |
| Pre-tax net operating income | $1,143,000 | 4,795 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $434,000 | 3,626 |
| Income before extraordinary items | $709,000 | 5,552 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $709,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,533 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $5,189,000 | 184 |
| Net operating income | $709,000 | 5,388 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 4,153 |
| Total interest expense | $1,397,000 | 4,365 |
| Net interest income | $3,401,000 | 3,995 |
| Provision for loan and lease losses | $431,000 | 1,922 |
| Total noninterest income | $172,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $86,000 | 6,393 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 6,352 |
| Total noninterest expense | $2,377,000 | 4,432 |
| Salaries and employee benefits | $1,230,000 | 4,536 |
| Premises and equipment expense | $262,000 | 5,168 |
| Additional noninterest expense | $885,000 | 3,748 |
| Pre-tax net operating income | $765,000 | 5,269 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $309,000 | 3,863 |
| Income before extraordinary items | $456,000 | 6,069 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $456,000 | 6,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 1,900 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,554,000 | 166 |
| Net operating income | $456,000 | 5,898 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,127,000 | 4,271 |
| Total interest expense | $954,000 | 4,402 |
| Net interest income | $2,173,000 | 4,129 |
| Provision for loan and lease losses | $196,000 | 2,553 |
| Total noninterest income | $100,000 | 7,400 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $50,000 | 6,585 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $50,000 | 6,576 |
| Total noninterest expense | $1,521,000 | 4,539 |
| Salaries and employee benefits | $770,000 | 4,755 |
| Premises and equipment expense | $155,000 | 5,554 |
| Additional noninterest expense | $596,000 | 3,718 |
| Pre-tax net operating income | $556,000 | 5,045 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $212,000 | 3,852 |
| Income before extraordinary items | $344,000 | 5,780 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $344,000 | 5,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,844,000 | 122 |
| Net operating income | $344,000 | 5,567 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,426,000 | 4,566 |
| Total interest expense | $465,000 | 4,574 |
| Net interest income | $961,000 | 4,517 |
| Provision for loan and lease losses | $66,000 | 3,125 |
| Total noninterest income | $35,000 | 7,955 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $706,000 | 4,766 |
| Salaries and employee benefits | $379,000 | 4,810 |
| Premises and equipment expense | $76,000 | 5,602 |
| Additional noninterest expense | $251,000 | 4,205 |
| Pre-tax net operating income | $224,000 | 5,556 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $85,000 | 4,242 |
| Income before extraordinary items | $139,000 | 6,191 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $139,000 | 6,190 |
| 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 | $130,000 | 211 |
| Net operating income | $139,000 | 6,015 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,795,000 | 5,314 |
| Total interest expense | $1,724,000 | 5,278 |
| Net interest income | $3,071,000 | 5,211 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $176,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $149,000 | 5,848 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 8,301 |
| Total noninterest expense | $2,282,000 | 5,408 |
| Salaries and employee benefits | $1,240,000 | 5,372 |
| Premises and equipment expense | $279,000 | 5,784 |
| Additional noninterest expense | $763,000 | 5,100 |
| Pre-tax net operating income | $565,000 | 6,533 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $21,000 | 7,030 |
| Income before extraordinary items | $544,000 | 6,202 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $544,000 | 6,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $969,000 | 394 |
| Net operating income | $544,000 | 6,048 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,415,000 | 7,837 |
| Total interest expense | $997,000 | 8,034 |
| Net interest income | $1,418,000 | 7,480 |
| Provision for loan and lease losses | $250,000 | 3,605 |
| Total noninterest income | $132,000 | 8,067 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $123,000 | 6,204 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $9,000 | 9,168 |
| Total noninterest expense | $1,649,000 | 6,452 |
| Salaries and employee benefits | $903,000 | 6,361 |
| Premises and equipment expense | $232,000 | 6,327 |
| Additional noninterest expense | $514,000 | 6,350 |
| Pre-tax net operating income | $-349,000 | 9,072 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-349,000 | 9,153 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-349,000 | 9,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 667 |
| Net operating income | $-349,000 | 9,107 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $64,000 | 9,876 |
| Total interest expense | $6,000 | 9,857 |
| Net interest income | $55,000 | 9,868 |
| Provision for loan and lease losses | $100,000 | 5,274 |
| Total noninterest income | $47,000 | 9,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 7,934 |
| Total noninterest expense | $421,000 | 9,552 |
| Salaries and employee benefits | $135,000 | 9,783 |
| Premises and equipment expense | $86,000 | 8,685 |
| Additional noninterest expense | $200,000 | 8,785 |
| Pre-tax net operating income | $-416,000 | 9,489 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-103,000 | 9,586 |
| Income before extraordinary items | $-313,000 | 9,454 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-313,000 | 9,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $6,004,000 | 162 |
| Net operating income | $-313,000 | 9,455 |
* 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.