Home > Earthstar Bank > Income and Expense
Earthstar Bank, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,777,000 | 4,898 |
| Total interest expense | $1,300,000 | 4,065 |
| Net interest income | $2,477,000 | 5,168 |
| Provision for loan and lease losses | $665,000 | 3,112 |
| Total noninterest income | $208,000 | 5,625 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $80,000 | 5,485 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $128,000 | 4,886 |
| Total noninterest expense | $3,544,000 | 3,779 |
| Salaries and employee benefits | $1,225,000 | 4,842 |
| Premises and equipment expense | $276,000 | 5,027 |
| Additional noninterest expense | $2,043,000 | 2,439 |
| Pre-tax net operating income | $-1,524,000 | 6,967 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-160,000 | 7,154 |
| Income before extraordinary items | $-1,364,000 | 7,005 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,364,000 | 7,004 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,364,000 | 7,005 |
| Net charge-offs | $801,000 | 2,461 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,364,000 | 6,969 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,574,000 | 4,880 |
| Total interest expense | $884,000 | 4,109 |
| Net interest income | $1,690,000 | 5,114 |
| Provision for loan and lease losses | $100,000 | 5,137 |
| Total noninterest income | $143,000 | 5,557 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $52,000 | 5,529 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $91,000 | 4,777 |
| Total noninterest expense | $2,616,000 | 3,496 |
| Salaries and employee benefits | $861,000 | 4,716 |
| Premises and equipment expense | $191,000 | 4,980 |
| Additional noninterest expense | $1,564,000 | 2,180 |
| Pre-tax net operating income | $-883,000 | 6,951 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-160,000 | 7,278 |
| Income before extraordinary items | $-723,000 | 6,974 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-723,000 | 6,974 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-723,000 | 6,974 |
| Net charge-offs | $-74,000 | 7,730 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-723,000 | 6,943 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 4,978 |
| Total interest expense | $445,000 | 4,222 |
| Net interest income | $824,000 | 5,208 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $83,000 | 5,367 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $26,000 | 5,562 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $57,000 | 4,465 |
| Total noninterest expense | $1,345,000 | 3,443 |
| Salaries and employee benefits | $496,000 | 4,379 |
| Premises and equipment expense | $103,000 | 4,876 |
| Additional noninterest expense | $746,000 | 2,268 |
| Pre-tax net operating income | $-438,000 | 7,133 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-438,000 | 7,211 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-438,000 | 7,213 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-438,000 | 7,212 |
| Net charge-offs | $-7,000 | 7,395 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-438,000 | 7,191 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,220,000 | 4,509 |
| Total interest expense | $3,612,000 | 2,972 |
| Net interest income | $2,608,000 | 5,732 |
| Provision for loan and lease losses | $3,545,000 | 1,785 |
| Total noninterest income | $390,000 | 5,168 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $117,000 | 5,528 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $273,000 | 4,119 |
| Total noninterest expense | $6,305,000 | 3,061 |
| Salaries and employee benefits | $2,093,000 | 4,213 |
| Premises and equipment expense | $396,000 | 5,016 |
| Additional noninterest expense | $3,816,000 | 1,926 |
| Pre-tax net operating income | $-6,852,000 | 7,342 |
| Securities gains (losses) | $25,000 | 2,955 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-6,827,000 | 7,418 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,827,000 | 7,417 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,827,000 | 7,417 |
| Net charge-offs | $4,532,000 | 1,235 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,232 |
| Net operating income | $-6,852,000 | 7,429 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,745,000 | 4,521 |
| Total interest expense | $3,052,000 | 2,820 |
| Net interest income | $1,693,000 | 6,103 |
| Provision for loan and lease losses | $541,000 | 3,687 |
| Total noninterest income | $315,000 | 5,108 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $80,000 | 5,706 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $235,000 | 4,004 |
| Total noninterest expense | $4,605,000 | 3,129 |
| Salaries and employee benefits | $1,611,000 | 4,165 |
| Premises and equipment expense | $415,000 | 4,154 |
| Additional noninterest expense | $2,579,000 | 2,052 |
| Pre-tax net operating income | $-3,138,000 | 7,315 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,138,000 | 7,395 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,138,000 | 7,395 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,138,000 | 7,395 |
| Net charge-offs | $1,638,000 | 1,691 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,119 |
| Net operating income | $-3,138,000 | 7,391 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 4,504 |
| Total interest expense | $2,247,000 | 2,691 |
| Net interest income | $971,000 | 6,455 |
| Provision for loan and lease losses | $394,000 | 3,305 |
| Total noninterest income | $216,000 | 5,098 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $50,000 | 5,799 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $166,000 | 3,941 |
| Total noninterest expense | $2,849,000 | 3,355 |
| Salaries and employee benefits | $1,121,000 | 4,074 |
| Premises and equipment expense | $275,000 | 4,191 |
| Additional noninterest expense | $1,453,000 | 2,406 |
| Pre-tax net operating income | $-2,056,000 | 7,395 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,056,000 | 7,496 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,056,000 | 7,496 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,056,000 | 7,495 |
| Net charge-offs | $607,000 | 2,122 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,021 |
| Net operating income | $-2,056,000 | 7,493 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 4,547 |
| Total interest expense | $1,193,000 | 2,649 |
| Net interest income | $421,000 | 6,775 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $85,000 | 5,475 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $23,000 | 5,885 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $62,000 | 4,465 |
| Total noninterest expense | $1,468,000 | 3,195 |
| Salaries and employee benefits | $621,000 | 3,822 |
| Premises and equipment expense | $137,000 | 4,253 |
| Additional noninterest expense | $710,000 | 2,201 |
| Pre-tax net operating income | $-962,000 | 7,623 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-962,000 | 7,690 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-962,000 | 7,691 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-962,000 | 7,691 |
| Net charge-offs | $10,000 | 4,758 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 783 |
| Net operating income | $-962,000 | 7,686 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,714,000 | 3,887 |
| Total interest expense | $5,347,000 | 2,800 |
| Net interest income | $3,367,000 | 5,080 |
| Provision for loan and lease losses | $3,148,000 | 1,343 |
| Total noninterest income | $441,000 | 5,100 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $155,000 | 5,258 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $286,000 | 4,190 |
| Total noninterest expense | $5,249,000 | 3,436 |
| Salaries and employee benefits | $2,150,000 | 4,220 |
| Premises and equipment expense | $612,000 | 3,880 |
| Additional noninterest expense | $2,487,000 | 2,353 |
| Pre-tax net operating income | $-4,589,000 | 7,773 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $830,000 | 1,366 |
| Income before extraordinary items | $-5,419,000 | 7,839 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,419,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,087,000 | 980 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-5,419,000 | 7,886 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,892,000 | 3,814 |
| Total interest expense | $4,178,000 | 2,800 |
| Net interest income | $2,714,000 | 4,915 |
| Provision for loan and lease losses | $2,212,000 | 1,108 |
| Total noninterest income | $307,000 | 5,336 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $115,000 | 5,300 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $192,000 | 4,503 |
| Total noninterest expense | $3,727,000 | 3,573 |
| Salaries and employee benefits | $1,582,000 | 4,297 |
| Premises and equipment expense | $466,000 | 3,838 |
| Additional noninterest expense | $1,679,000 | 2,514 |
| Pre-tax net operating income | $-2,918,000 | 8,010 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-998,000 | 8,044 |
| Income before extraordinary items | $-1,920,000 | 7,845 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,920,000 | 7,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 1,935 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,920,000 | 7,925 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,845,000 | 3,725 |
| Total interest expense | $2,942,000 | 2,757 |
| Net interest income | $1,903,000 | 4,775 |
| Provision for loan and lease losses | $903,000 | 1,298 |
| Total noninterest income | $223,000 | 5,225 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $88,000 | 5,077 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $135,000 | 4,487 |
| Total noninterest expense | $2,312,000 | 3,808 |
| Salaries and employee benefits | $1,052,000 | 4,362 |
| Premises and equipment expense | $309,000 | 3,879 |
| Additional noninterest expense | $951,000 | 2,866 |
| Pre-tax net operating income | $-1,089,000 | 7,954 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-305,000 | 8,076 |
| Income before extraordinary items | $-784,000 | 7,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-784,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,109 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-784,000 | 7,875 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,484,000 | 3,748 |
| Total interest expense | $1,598,000 | 2,724 |
| Net interest income | $886,000 | 4,992 |
| Provision for loan and lease losses | $294,000 | 1,432 |
| Total noninterest income | $102,000 | 5,376 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $47,000 | 5,178 |
| Total noninterest expense | $1,016,000 | 4,190 |
| Salaries and employee benefits | $534,000 | 4,321 |
| Premises and equipment expense | $148,000 | 4,024 |
| Additional noninterest expense | $334,000 | 3,798 |
| Pre-tax net operating income | $-322,000 | 7,933 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-110,000 | 8,162 |
| Income before extraordinary items | $-212,000 | 7,854 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-212,000 | 7,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,732 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-212,000 | 7,824 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,232,000 | 3,466 |
| Total interest expense | $7,091,000 | 2,593 |
| Net interest income | $4,141,000 | 4,519 |
| Provision for loan and lease losses | $184,000 | 3,999 |
| Total noninterest income | $381,000 | 5,594 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $121,000 | 5,745 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $260,000 | 4,502 |
| Total noninterest expense | $4,455,000 | 3,787 |
| Salaries and employee benefits | $1,989,000 | 4,398 |
| Premises and equipment expense | $622,000 | 3,736 |
| Additional noninterest expense | $1,844,000 | 2,861 |
| Pre-tax net operating income | $-117,000 | 7,571 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-40,000 | 7,913 |
| Income before extraordinary items | $-77,000 | 7,608 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-77,000 | 7,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $781,000 | 1,233 |
| Cash dividends | $61,000 | 5,539 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 799 |
| Net operating income | $-77,000 | 7,586 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,690,000 | 3,387 |
| Total interest expense | $5,397,000 | 2,553 |
| Net interest income | $3,293,000 | 4,384 |
| Provision for loan and lease losses | $105,000 | 4,026 |
| Total noninterest income | $305,000 | 5,494 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $98,000 | 5,666 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $207,000 | 4,425 |
| Total noninterest expense | $3,166,000 | 3,933 |
| Salaries and employee benefits | $1,472,000 | 4,431 |
| Premises and equipment expense | $464,000 | 3,752 |
| Additional noninterest expense | $1,230,000 | 3,117 |
| Pre-tax net operating income | $327,000 | 6,462 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-5,000 | 7,998 |
| Income before extraordinary items | $332,000 | 6,149 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $332,000 | 6,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,343 |
| Cash dividends | $61,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 632 |
| Net operating income | $332,000 | 6,137 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,728,000 | 3,430 |
| Total interest expense | $3,584,000 | 2,571 |
| Net interest income | $2,144,000 | 4,488 |
| Provision for loan and lease losses | $40,000 | 4,625 |
| Total noninterest income | $203,000 | 5,539 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $66,000 | 5,676 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $137,000 | 4,494 |
| Total noninterest expense | $2,081,000 | 4,008 |
| Salaries and employee benefits | $1,024,000 | 4,349 |
| Premises and equipment expense | $305,000 | 3,811 |
| Additional noninterest expense | $752,000 | 3,356 |
| Pre-tax net operating income | $226,000 | 6,488 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-5,000 | 8,105 |
| Income before extraordinary items | $231,000 | 6,144 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $231,000 | 6,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,733 |
| Cash dividends | $61,000 | 4,611 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 483 |
| Net operating income | $231,000 | 6,132 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 3,429 |
| Total interest expense | $1,811,000 | 2,528 |
| Net interest income | $1,032,000 | 4,597 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $102,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $33,000 | 5,642 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $69,000 | 4,489 |
| Total noninterest expense | $1,055,000 | 3,972 |
| Salaries and employee benefits | $530,000 | 4,247 |
| Premises and equipment expense | $144,000 | 3,967 |
| Additional noninterest expense | $381,000 | 3,303 |
| Pre-tax net operating income | $59,000 | 7,173 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-19,000 | 8,302 |
| Income before extraordinary items | $78,000 | 6,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $78,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $61,000 | 3,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $78,000 | 6,718 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,006,000 | 3,320 |
| Total interest expense | $6,929,000 | 2,303 |
| Net interest income | $4,077,000 | 4,613 |
| Provision for loan and lease losses | $2,771,000 | 403 |
| Total noninterest income | $529,000 | 5,001 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $120,000 | 5,903 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $409,000 | 3,694 |
| Total noninterest expense | $4,440,000 | 3,657 |
| Salaries and employee benefits | $2,411,000 | 3,706 |
| Premises and equipment expense | $592,000 | 3,808 |
| Additional noninterest expense | $1,437,000 | 3,403 |
| Pre-tax net operating income | $-2,605,000 | 8,618 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-1,071,000 | 8,630 |
| Income before extraordinary items | $-1,534,000 | 8,553 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,534,000 | 8,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $232,000 | 4,790 |
| Sale, conversion, retirement of capital stock, net | $1,357,000 | 458 |
| Net operating income | $-1,534,000 | 8,545 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,129,000 | 3,335 |
| Total interest expense | $5,047,000 | 2,301 |
| Net interest income | $3,082,000 | 4,616 |
| Provision for loan and lease losses | $114,000 | 3,896 |
| Total noninterest income | $374,000 | 5,164 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $84,000 | 6,055 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $290,000 | 3,798 |
| Total noninterest expense | $3,344,000 | 3,656 |
| Salaries and employee benefits | $1,934,000 | 3,539 |
| Premises and equipment expense | $426,000 | 3,932 |
| Additional noninterest expense | $984,000 | 3,657 |
| Pre-tax net operating income | $-2,000 | 8,119 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-141,000 | 8,596 |
| Income before extraordinary items | $139,000 | 7,538 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $139,000 | 7,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,187 |
| Cash dividends | $176,000 | 4,304 |
| Sale, conversion, retirement of capital stock, net | $1,054,000 | 368 |
| Net operating income | $139,000 | 7,540 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,322,000 | 3,332 |
| Total interest expense | $3,228,000 | 2,290 |
| Net interest income | $2,094,000 | 4,572 |
| Provision for loan and lease losses | $25,000 | 5,320 |
| Total noninterest income | $240,000 | 5,246 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $54,000 | 6,138 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $186,000 | 3,880 |
| Total noninterest expense | $2,375,000 | 3,480 |
| Salaries and employee benefits | $1,450,000 | 3,224 |
| Premises and equipment expense | $277,000 | 4,017 |
| Additional noninterest expense | $648,000 | 3,682 |
| Pre-tax net operating income | $-66,000 | 8,304 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-79,000 | 8,615 |
| Income before extraordinary items | $13,000 | 8,124 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $13,000 | 8,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $114,000 | 4,242 |
| Sale, conversion, retirement of capital stock, net | $-497,000 | 8,756 |
| Net operating income | $13,000 | 8,119 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,634,000 | 3,303 |
| Total interest expense | $1,535,000 | 2,288 |
| Net interest income | $1,099,000 | 4,431 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $123,000 | 5,150 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $26,000 | 6,158 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,775 |
| Total noninterest expense | $1,452,000 | 2,964 |
| Salaries and employee benefits | $985,000 | 2,476 |
| Premises and equipment expense | $132,000 | 4,139 |
| Additional noninterest expense | $335,000 | 3,570 |
| Pre-tax net operating income | $-255,000 | 8,588 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-135,000 | 8,715 |
| Income before extraordinary items | $-120,000 | 8,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-120,000 | 8,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $57,000 | 3,508 |
| Sale, conversion, retirement of capital stock, net | $-540,000 | 8,776 |
| Net operating income | $-120,000 | 8,465 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,175,000 | 3,372 |
| Total interest expense | $4,586,000 | 2,390 |
| Net interest income | $4,589,000 | 4,204 |
| Provision for loan and lease losses | $20,000 | 6,489 |
| Total noninterest income | $358,000 | 5,957 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $91,000 | 6,413 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $267,000 | 4,596 |
| Total noninterest expense | $3,564,000 | 4,232 |
| Salaries and employee benefits | $1,815,000 | 4,450 |
| Premises and equipment expense | $428,000 | 4,646 |
| Additional noninterest expense | $1,321,000 | 3,572 |
| Pre-tax net operating income | $1,363,000 | 4,612 |
| Securities gains (losses) | $31,000 | 1,097 |
| Applicable income taxes | $327,000 | 4,017 |
| Income before extraordinary items | $1,067,000 | 4,658 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,067,000 | 4,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,423 |
| Cash dividends | $234,000 | 4,747 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 850 |
| Net operating income | $1,043,130 | 4,686 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,614,000 | 3,428 |
| Total interest expense | $3,181,000 | 2,430 |
| Net interest income | $3,433,000 | 4,206 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $256,000 | 6,101 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 6,430 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $186,000 | 4,766 |
| Total noninterest expense | $2,653,000 | 4,213 |
| Salaries and employee benefits | $1,348,000 | 4,454 |
| Premises and equipment expense | $306,000 | 4,774 |
| Additional noninterest expense | $999,000 | 3,500 |
| Pre-tax net operating income | $1,036,000 | 4,681 |
| Securities gains (losses) | $31,000 | 1,052 |
| Applicable income taxes | $247,000 | 4,105 |
| Income before extraordinary items | $820,000 | 4,692 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $820,000 | 4,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $175,000 | 4,204 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 677 |
| Net operating income | $796,130 | 4,738 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,243,000 | 3,460 |
| Total interest expense | $1,929,000 | 2,485 |
| Net interest income | $2,314,000 | 4,161 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $171,000 | 6,080 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $117,000 | 4,869 |
| Total noninterest expense | $1,709,000 | 4,321 |
| Salaries and employee benefits | $881,000 | 4,496 |
| Premises and equipment expense | $190,000 | 4,985 |
| Additional noninterest expense | $638,000 | 3,622 |
| Pre-tax net operating income | $776,000 | 4,348 |
| Securities gains (losses) | $31,000 | 949 |
| Applicable income taxes | $184,000 | 3,933 |
| Income before extraordinary items | $623,000 | 4,321 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $623,000 | 4,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $117,000 | 4,138 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 549 |
| Net operating income | $599,130 | 4,361 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 3,542 |
| Total interest expense | $872,000 | 2,605 |
| Net interest income | $1,160,000 | 4,175 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $77,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,893 |
| Total noninterest expense | $836,000 | 4,417 |
| Salaries and employee benefits | $427,000 | 4,616 |
| Premises and equipment expense | $94,000 | 5,079 |
| Additional noninterest expense | $315,000 | 3,652 |
| Pre-tax net operating income | $401,000 | 4,267 |
| Securities gains (losses) | $8,000 | 1,073 |
| Applicable income taxes | $95,000 | 3,849 |
| Income before extraordinary items | $314,000 | 4,232 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $314,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $58,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $307,840 | 4,255 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,168,000 | 3,734 |
| Total interest expense | $2,826,000 | 2,750 |
| Net interest income | $4,342,000 | 4,230 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $111,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $64,000 | 7,054 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $47,000 | 7,478 |
| Total noninterest expense | $2,825,000 | 4,879 |
| Salaries and employee benefits | $1,431,000 | 5,109 |
| Premises and equipment expense | $372,000 | 5,003 |
| Additional noninterest expense | $1,022,000 | 4,262 |
| Pre-tax net operating income | $1,604,000 | 4,078 |
| Securities gains (losses) | $404,000 | 520 |
| Applicable income taxes | $629,000 | 2,948 |
| Income before extraordinary items | $1,379,000 | 3,836 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,379,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $116,000 | 5,390 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 764 |
| Net operating income | $1,100,240 | 4,372 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,193,000 | 3,811 |
| Total interest expense | $1,980,000 | 2,868 |
| Net interest income | $3,213,000 | 4,269 |
| Provision for loan and lease losses | $24,000 | 6,219 |
| Total noninterest income | $73,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $47,000 | 7,129 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 7,845 |
| Total noninterest expense | $2,053,000 | 4,940 |
| Salaries and employee benefits | $1,047,000 | 5,149 |
| Premises and equipment expense | $278,000 | 5,006 |
| Additional noninterest expense | $728,000 | 4,386 |
| Pre-tax net operating income | $1,209,000 | 4,137 |
| Securities gains (losses) | $349,000 | 537 |
| Applicable income taxes | $498,000 | 2,907 |
| Income before extraordinary items | $1,060,000 | 3,876 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,060,000 | 3,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $77,000 | 4,787 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 627 |
| Net operating income | $822,680 | 4,466 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 3,964 |
| Total interest expense | $1,234,000 | 3,010 |
| Net interest income | $2,064,000 | 4,373 |
| Provision for loan and lease losses | $24,000 | 5,696 |
| Total noninterest income | $29,000 | 8,623 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $1,326,000 | 5,063 |
| Salaries and employee benefits | $664,000 | 5,370 |
| Premises and equipment expense | $190,000 | 4,934 |
| Additional noninterest expense | $472,000 | 4,529 |
| Pre-tax net operating income | $743,000 | 4,304 |
| Securities gains (losses) | $98,000 | 1,040 |
| Applicable income taxes | $271,000 | 3,252 |
| Income before extraordinary items | $570,000 | 4,388 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $570,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,843 |
| Cash dividends | $39,000 | 4,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $503,360 | 4,631 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,559,000 | 4,154 |
| Total interest expense | $595,000 | 3,139 |
| Net interest income | $964,000 | 4,592 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $18,000 | 8,495 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $18,000 | 6,945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $634,000 | 5,259 |
| Salaries and employee benefits | $312,000 | 5,616 |
| Premises and equipment expense | $127,000 | 4,055 |
| Additional noninterest expense | $195,000 | 5,165 |
| Pre-tax net operating income | $336,000 | 4,541 |
| Securities gains (losses) | $82,000 | 908 |
| Applicable income taxes | $127,000 | 3,389 |
| Income before extraordinary items | $291,000 | 4,345 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $291,000 | 4,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $39,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $233,600 | 4,819 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,183,000 | 4,768 |
| Total interest expense | $2,295,000 | 3,579 |
| Net interest income | $2,888,000 | 5,431 |
| Provision for loan and lease losses | $74,000 | 5,763 |
| Total noninterest income | $88,000 | 8,429 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $58,000 | 7,304 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $30,000 | 8,120 |
| Total noninterest expense | $1,856,000 | 6,237 |
| Salaries and employee benefits | $907,000 | 6,570 |
| Premises and equipment expense | $300,000 | 5,661 |
| Additional noninterest expense | $649,000 | 5,735 |
| Pre-tax net operating income | $1,046,000 | 5,059 |
| Securities gains (losses) | $304,000 | 1,038 |
| Applicable income taxes | $348,000 | 4,046 |
| Income before extraordinary items | $1,002,000 | 4,647 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,002,000 | 4,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,859 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,412,000 | 254 |
| Net operating income | $777,040 | 5,164 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,659,000 | 5,032 |
| Total interest expense | $1,716,000 | 3,694 |
| Net interest income | $1,943,000 | 5,808 |
| Provision for loan and lease losses | $57,000 | 5,593 |
| Total noninterest income | $63,000 | 8,533 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $40,000 | 7,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 8,129 |
| Total noninterest expense | $1,274,000 | 6,513 |
| Salaries and employee benefits | $632,000 | 6,776 |
| Premises and equipment expense | $218,000 | 5,734 |
| Additional noninterest expense | $424,000 | 6,168 |
| Pre-tax net operating income | $675,000 | 5,604 |
| Securities gains (losses) | $207,000 | 1,208 |
| Applicable income taxes | $259,000 | 4,209 |
| Income before extraordinary items | $623,000 | 5,301 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $623,000 | 5,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,889 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $476,030 | 5,807 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,389,000 | 5,147 |
| Total interest expense | $1,169,000 | 3,746 |
| Net interest income | $1,220,000 | 6,016 |
| Provision for loan and lease losses | $37,000 | 5,547 |
| Total noninterest income | $40,000 | 8,577 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $24,000 | 7,541 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $815,000 | 6,658 |
| Salaries and employee benefits | $408,000 | 6,883 |
| Premises and equipment expense | $165,000 | 5,334 |
| Additional noninterest expense | $242,000 | 6,633 |
| Pre-tax net operating income | $408,000 | 5,809 |
| Securities gains (losses) | $130,000 | 1,324 |
| Applicable income taxes | $158,000 | 4,416 |
| Income before extraordinary items | $380,000 | 5,547 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $380,000 | 5,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,860 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $287,700 | 5,986 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,162,000 | 5,258 |
| Total interest expense | $593,000 | 3,787 |
| Net interest income | $569,000 | 6,231 |
| Provision for loan and lease losses | $19,000 | 5,348 |
| Total noninterest income | $21,000 | 8,569 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $11,000 | 7,586 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $416,000 | 6,590 |
| Salaries and employee benefits | $211,000 | 6,813 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $118,000 | 6,700 |
| Pre-tax net operating income | $155,000 | 6,405 |
| Securities gains (losses) | $83,000 | 1,102 |
| Applicable income taxes | $70,000 | 4,589 |
| Income before extraordinary items | $168,000 | 5,743 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $168,000 | 5,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,934 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $109,070 | 6,559 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 5,774 |
| Total interest expense | $2,308,000 | 4,360 |
| Net interest income | $1,864,000 | 6,840 |
| Provision for loan and lease losses | $40,000 | 6,915 |
| Total noninterest income | $77,000 | 8,672 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $44,000 | 7,615 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,000 | 8,097 |
| Total noninterest expense | $1,551,000 | 6,746 |
| Salaries and employee benefits | $769,000 | 7,001 |
| Premises and equipment expense | $86,000 | 8,359 |
| Additional noninterest expense | $696,000 | 5,424 |
| Pre-tax net operating income | $350,000 | 7,358 |
| Securities gains (losses) | $156,000 | 1,348 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $506,000 | 6,373 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $506,000 | 6,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,064 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $350,000 | 6,949 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,727,000 | 8,498 |
| Total interest expense | $1,124,000 | 7,761 |
| Net interest income | $603,000 | 9,032 |
| Provision for loan and lease losses | $955,000 | 1,296 |
| Total noninterest income | $6,000 | 9,505 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $5,000 | 8,315 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $1,388,000 | 7,038 |
| Salaries and employee benefits | $488,000 | 8,239 |
| Premises and equipment expense | $98,000 | 8,339 |
| Additional noninterest expense | $802,000 | 4,771 |
| Pre-tax net operating income | $-1,734,000 | 9,466 |
| Securities gains (losses) | $47,000 | 2,415 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,687,000 | 9,498 |
| Extraordinary gains, net | $1,778,000 | 16 |
| Net income | $91,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 2,112 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $8,276,000 | 91 |
| Net operating income | $-1,734,000 | 9,477 |
* 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.