Home > East Coast Community Bank > Income and Expense
East Coast Community Bank, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,952,000 | 5,178 |
| Total interest expense | $557,000 | 5,652 |
| Net interest income | $3,395,000 | 4,986 |
| Provision for loan and lease losses | $4,053,000 | 933 |
| Total noninterest income | $50,000 | 6,788 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $132,000 | 5,096 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-82,000 | 6,875 |
| Total noninterest expense | $3,020,000 | 4,863 |
| Salaries and employee benefits | $1,199,000 | 5,525 |
| Premises and equipment expense | $359,000 | 4,810 |
| Additional noninterest expense | $1,462,000 | 3,923 |
| Pre-tax net operating income | $-3,628,000 | 6,977 |
| Securities gains (losses) | $38,000 | 2,752 |
| Applicable income taxes | $-94,000 | 6,810 |
| Income before extraordinary items | $-3,496,000 | 6,988 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,496,000 | 6,989 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,496,000 | 6,989 |
| Net charge-offs | $4,664,000 | 854 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 990 |
| Net operating income | $-3,532,860 | 6,971 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,068,000 | 5,150 |
| Total interest expense | $432,000 | 5,699 |
| Net interest income | $2,636,000 | 4,918 |
| Provision for loan and lease losses | $2,673,000 | 1,022 |
| Total noninterest income | $27,000 | 6,965 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $99,000 | 5,136 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-72,000 | 7,038 |
| Total noninterest expense | $2,348,000 | 4,776 |
| Salaries and employee benefits | $912,000 | 5,497 |
| Premises and equipment expense | $270,000 | 4,865 |
| Additional noninterest expense | $1,166,000 | 3,755 |
| Pre-tax net operating income | $-2,358,000 | 7,049 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-879,000 | 7,282 |
| Income before extraordinary items | $-1,479,000 | 6,977 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,479,000 | 6,978 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,479,000 | 6,978 |
| Net charge-offs | $2,854,000 | 978 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 915 |
| Net operating income | $-1,479,000 | 6,950 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,054,000 | 5,179 |
| Total interest expense | $299,000 | 5,743 |
| Net interest income | $1,755,000 | 4,936 |
| Provision for loan and lease losses | $2,172,000 | 866 |
| Total noninterest income | $-24,000 | 7,242 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $64,000 | 5,170 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-88,000 | 7,185 |
| Total noninterest expense | $1,568,000 | 4,819 |
| Salaries and employee benefits | $575,000 | 5,664 |
| Premises and equipment expense | $175,000 | 4,971 |
| Additional noninterest expense | $818,000 | 3,686 |
| Pre-tax net operating income | $-2,009,000 | 7,173 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-740,000 | 7,392 |
| Income before extraordinary items | $-1,269,000 | 7,098 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,269,000 | 7,099 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,269,000 | 7,099 |
| Net charge-offs | $2,668,000 | 756 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 867 |
| Net operating income | $-1,269,000 | 7,079 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 5,203 |
| Total interest expense | $158,000 | 5,748 |
| Net interest income | $869,000 | 4,964 |
| Provision for loan and lease losses | $480,000 | 1,455 |
| Total noninterest income | $40,000 | 6,204 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $29,000 | 5,277 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $11,000 | 6,315 |
| Total noninterest expense | $743,000 | 4,997 |
| Salaries and employee benefits | $298,000 | 5,619 |
| Premises and equipment expense | $89,000 | 4,984 |
| Additional noninterest expense | $356,000 | 4,048 |
| Pre-tax net operating income | $-314,000 | 6,948 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-115,000 | 7,305 |
| Income before extraordinary items | $-199,000 | 6,881 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-199,000 | 6,881 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-199,000 | 6,881 |
| Net charge-offs | $918,000 | 907 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 815 |
| Net operating income | $-199,000 | 6,869 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 4,946 |
| Total interest expense | $965,000 | 5,309 |
| Net interest income | $3,809,000 | 4,717 |
| Provision for loan and lease losses | $1,221,000 | 2,754 |
| Total noninterest income | $155,000 | 6,255 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 5,159 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $26,000 | 6,495 |
| Total noninterest expense | $2,488,000 | 5,517 |
| Salaries and employee benefits | $1,173,000 | 5,727 |
| Premises and equipment expense | $379,000 | 4,870 |
| Additional noninterest expense | $936,000 | 5,263 |
| Pre-tax net operating income | $255,000 | 5,038 |
| Securities gains (losses) | $140,000 | 1,890 |
| Applicable income taxes | $161,000 | 2,879 |
| Income before extraordinary items | $234,000 | 5,168 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $234,000 | 5,172 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $234,000 | 5,172 |
| Net charge-offs | $1,000,000 | 2,683 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,113 |
| Net operating income | $144,400 | 5,340 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,634,000 | 4,994 |
| Total interest expense | $769,000 | 5,327 |
| Net interest income | $2,865,000 | 4,776 |
| Provision for loan and lease losses | $557,000 | 3,364 |
| Total noninterest income | $141,000 | 6,154 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $93,000 | 5,284 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $48,000 | 6,033 |
| Total noninterest expense | $1,838,000 | 5,587 |
| Salaries and employee benefits | $892,000 | 5,730 |
| Premises and equipment expense | $285,000 | 4,948 |
| Additional noninterest expense | $661,000 | 5,412 |
| Pre-tax net operating income | $611,000 | 3,923 |
| Securities gains (losses) | $78,000 | 2,135 |
| Applicable income taxes | $269,000 | 2,253 |
| Income before extraordinary items | $420,000 | 4,403 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $420,000 | 4,404 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $420,000 | 4,404 |
| Net charge-offs | $773,000 | 2,505 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,035 |
| Net operating income | $370,080 | 4,402 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,449,000 | 5,009 |
| Total interest expense | $564,000 | 5,204 |
| Net interest income | $1,885,000 | 4,822 |
| Provision for loan and lease losses | $275,000 | 3,760 |
| Total noninterest income | $86,000 | 6,293 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $57,000 | 5,405 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $29,000 | 6,184 |
| Total noninterest expense | $1,189,000 | 5,692 |
| Salaries and employee benefits | $605,000 | 5,723 |
| Premises and equipment expense | $197,000 | 4,909 |
| Additional noninterest expense | $387,000 | 5,730 |
| Pre-tax net operating income | $507,000 | 3,600 |
| Securities gains (losses) | $78,000 | 1,599 |
| Applicable income taxes | $225,000 | 2,018 |
| Income before extraordinary items | $360,000 | 3,960 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $360,000 | 3,958 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $360,000 | 3,959 |
| Net charge-offs | $83,000 | 4,440 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 978 |
| Net operating income | $310,080 | 4,110 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 5,037 |
| Total interest expense | $304,000 | 5,171 |
| Net interest income | $937,000 | 4,863 |
| Provision for loan and lease losses | $275,000 | 2,549 |
| Total noninterest income | $40,000 | 6,408 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $27,000 | 5,514 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $13,000 | 6,398 |
| Total noninterest expense | $579,000 | 5,825 |
| Salaries and employee benefits | $313,000 | 5,701 |
| Premises and equipment expense | $93,000 | 5,121 |
| Additional noninterest expense | $173,000 | 6,022 |
| Pre-tax net operating income | $123,000 | 4,795 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $49,000 | 2,807 |
| 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 | $6,000 | 5,069 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 934 |
| Net operating income | $74,000 | 5,227 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,833,000 | 5,221 |
| Total interest expense | $1,898,000 | 4,606 |
| Net interest income | $2,935,000 | 5,440 |
| Provision for loan and lease losses | $2,258,000 | 2,322 |
| Total noninterest income | $221,000 | 6,092 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $128,000 | 5,400 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $93,000 | 5,731 |
| Total noninterest expense | $2,538,000 | 5,637 |
| Salaries and employee benefits | $1,253,000 | 5,729 |
| Premises and equipment expense | $388,000 | 5,068 |
| Additional noninterest expense | $897,000 | 5,536 |
| Pre-tax net operating income | $-1,640,000 | 6,504 |
| Securities gains (losses) | $7,000 | 3,362 |
| Applicable income taxes | $-603,000 | 7,111 |
| Income before extraordinary items | $-1,030,000 | 6,380 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,030,000 | 6,380 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,030,000 | 6,380 |
| Net charge-offs | $1,894,000 | 2,097 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 1,109 |
| Net operating income | $-1,034,480 | 6,388 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,692,000 | 5,226 |
| Total interest expense | $1,567,000 | 4,468 |
| Net interest income | $2,125,000 | 5,558 |
| Provision for loan and lease losses | $1,132,000 | 2,601 |
| Total noninterest income | $164,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $94,000 | 5,455 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $70,000 | 5,852 |
| Total noninterest expense | $1,870,000 | 5,703 |
| Salaries and employee benefits | $932,000 | 5,779 |
| Premises and equipment expense | $304,000 | 4,997 |
| Additional noninterest expense | $634,000 | 5,684 |
| Pre-tax net operating income | $-713,000 | 6,482 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-260,000 | 7,168 |
| Income before extraordinary items | $-453,000 | 6,386 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-453,000 | 6,387 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-453,000 | 6,386 |
| Net charge-offs | $1,697,000 | 1,664 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,004 |
| Net operating income | $-453,000 | 6,377 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,476,000 | 5,256 |
| Total interest expense | $1,123,000 | 4,406 |
| Net interest income | $1,353,000 | 5,663 |
| Provision for loan and lease losses | $348,000 | 3,501 |
| Total noninterest income | $88,000 | 6,571 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $65,000 | 5,414 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $23,000 | 6,676 |
| Total noninterest expense | $1,196,000 | 5,861 |
| Salaries and employee benefits | $599,000 | 5,922 |
| Premises and equipment expense | $179,000 | 5,353 |
| Additional noninterest expense | $418,000 | 5,716 |
| Pre-tax net operating income | $-103,000 | 6,103 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-33,000 | 6,929 |
| Income before extraordinary items | $-70,000 | 6,123 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-70,000 | 6,122 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-70,000 | 6,122 |
| Net charge-offs | $1,052,000 | 1,597 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 931 |
| Net operating income | $-70,000 | 6,076 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,231,000 | 5,323 |
| Total interest expense | $567,000 | 4,486 |
| Net interest income | $664,000 | 5,717 |
| Provision for loan and lease losses | $133,000 | 3,477 |
| Total noninterest income | $44,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $35,000 | 5,255 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $9,000 | 6,953 |
| Total noninterest expense | $564,000 | 5,962 |
| Salaries and employee benefits | $298,000 | 5,988 |
| Premises and equipment expense | $88,000 | 5,427 |
| Additional noninterest expense | $178,000 | 5,885 |
| Pre-tax net operating income | $11,000 | 6,114 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $6,000 | 4,227 |
| Income before extraordinary items | $5,000 | 6,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,000 | 6,345 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $5,000 | 6,345 |
| Net charge-offs | $746,000 | 1,119 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 825 |
| Net operating income | $5,000 | 6,198 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,767,000 | 5,594 |
| Total interest expense | $2,389,000 | 4,858 |
| Net interest income | $2,378,000 | 6,010 |
| Provision for loan and lease losses | $910,000 | 2,852 |
| Total noninterest income | $210,000 | 6,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $143,000 | 5,402 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $67,000 | 6,437 |
| Total noninterest expense | $2,208,000 | 5,972 |
| Salaries and employee benefits | $1,185,000 | 6,026 |
| Premises and equipment expense | $397,000 | 5,103 |
| Additional noninterest expense | $626,000 | 6,126 |
| Pre-tax net operating income | $-530,000 | 6,789 |
| Securities gains (losses) | $30,000 | 1,931 |
| Applicable income taxes | $-177,000 | 7,193 |
| Income before extraordinary items | $-323,000 | 6,590 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-323,000 | 6,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,426 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 1,101 |
| Net operating income | $-342,500 | 6,753 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,557,000 | 5,686 |
| Total interest expense | $1,811,000 | 4,959 |
| Net interest income | $1,746,000 | 6,118 |
| Provision for loan and lease losses | $195,000 | 4,255 |
| Total noninterest income | $159,000 | 6,512 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $104,000 | 5,476 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $55,000 | 6,465 |
| Total noninterest expense | $1,658,000 | 5,957 |
| Salaries and employee benefits | $885,000 | 6,032 |
| Premises and equipment expense | $315,000 | 4,978 |
| Additional noninterest expense | $458,000 | 6,137 |
| Pre-tax net operating income | $52,000 | 6,580 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $28,000 | 4,445 |
| Income before extraordinary items | $24,000 | 6,517 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $24,000 | 6,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 979 |
| Net operating income | $24,000 | 6,680 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 5,763 |
| Total interest expense | $1,259,000 | 4,985 |
| Net interest income | $1,098,000 | 6,262 |
| Provision for loan and lease losses | $71,000 | 4,746 |
| Total noninterest income | $105,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $67,000 | 5,545 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $38,000 | 6,484 |
| Total noninterest expense | $1,104,000 | 6,004 |
| Salaries and employee benefits | $588,000 | 6,104 |
| Premises and equipment expense | $206,000 | 5,061 |
| Additional noninterest expense | $310,000 | 6,107 |
| Pre-tax net operating income | $28,000 | 6,791 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $16,000 | 4,791 |
| Income before extraordinary items | $12,000 | 6,938 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,000 | 6,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 889 |
| Net operating income | $12,000 | 6,889 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 5,771 |
| Total interest expense | $670,000 | 4,995 |
| Net interest income | $544,000 | 6,319 |
| Provision for loan and lease losses | $40,000 | 4,096 |
| Total noninterest income | $53,000 | 6,573 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $32,000 | 5,589 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $21,000 | 6,395 |
| Total noninterest expense | $561,000 | 5,995 |
| Salaries and employee benefits | $293,000 | 6,157 |
| Premises and equipment expense | $103,000 | 5,082 |
| Additional noninterest expense | $165,000 | 5,914 |
| Pre-tax net operating income | $-4,000 | 7,196 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $-5,000 | 7,309 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-5,000 | 7,310 |
| 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 | $14,000 | 771 |
| Net operating income | $-5,000 | 7,227 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,041,000 | 5,699 |
| Total interest expense | $2,569,000 | 5,183 |
| Net interest income | $2,472,000 | 6,011 |
| Provision for loan and lease losses | $362,000 | 2,856 |
| Total noninterest income | $198,000 | 6,756 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $79,000 | 6,320 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $119,000 | 5,953 |
| Total noninterest expense | $2,227,000 | 5,922 |
| Salaries and employee benefits | $1,120,000 | 6,178 |
| Premises and equipment expense | $428,000 | 4,822 |
| Additional noninterest expense | $679,000 | 5,810 |
| Pre-tax net operating income | $81,000 | 7,202 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $32,000 | 5,185 |
| Income before extraordinary items | $49,000 | 7,325 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $49,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,750 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 1,053 |
| Net operating income | $49,000 | 7,292 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,817,000 | 5,698 |
| Total interest expense | $1,953,000 | 5,164 |
| Net interest income | $1,864,000 | 6,025 |
| Provision for loan and lease losses | $113,000 | 3,939 |
| Total noninterest income | $87,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $54,000 | 6,449 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $33,000 | 7,248 |
| Total noninterest expense | $1,563,000 | 6,092 |
| Salaries and employee benefits | $808,000 | 6,266 |
| Premises and equipment expense | $264,000 | 5,379 |
| Additional noninterest expense | $491,000 | 5,853 |
| Pre-tax net operating income | $275,000 | 6,661 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $104,000 | 4,404 |
| Income before extraordinary items | $171,000 | 6,951 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $171,000 | 6,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,014 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 940 |
| Net operating income | $171,000 | 6,936 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 5,780 |
| Total interest expense | $1,312,000 | 5,168 |
| Net interest income | $1,186,000 | 6,181 |
| Provision for loan and lease losses | $28,000 | 5,075 |
| Total noninterest income | $57,000 | 7,529 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $34,000 | 6,547 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $23,000 | 7,240 |
| Total noninterest expense | $1,041,000 | 6,132 |
| Salaries and employee benefits | $539,000 | 6,322 |
| Premises and equipment expense | $173,000 | 5,463 |
| Additional noninterest expense | $329,000 | 5,857 |
| Pre-tax net operating income | $174,000 | 6,792 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $66,000 | 4,522 |
| Income before extraordinary items | $108,000 | 7,062 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $108,000 | 7,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 863 |
| Net operating income | $108,000 | 7,053 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,206,000 | 5,867 |
| Total interest expense | $620,000 | 5,295 |
| Net interest income | $586,000 | 6,218 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $27,000 | 7,566 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $17,000 | 6,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $514,000 | 6,212 |
| Salaries and employee benefits | $266,000 | 6,391 |
| Premises and equipment expense | $86,000 | 5,493 |
| Additional noninterest expense | $162,000 | 5,901 |
| Pre-tax net operating income | $99,000 | 6,677 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $37,000 | 4,433 |
| Income before extraordinary items | $62,000 | 6,984 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $62,000 | 6,983 |
| 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 | $12,000 | 742 |
| Net operating income | $62,000 | 6,968 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,343,000 | 5,919 |
| Total interest expense | $2,038,000 | 5,352 |
| Net interest income | $2,305,000 | 6,218 |
| Provision for loan and lease losses | $36,000 | 5,879 |
| Total noninterest income | $99,000 | 7,742 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $53,000 | 6,840 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 7,334 |
| Total noninterest expense | $1,895,000 | 6,306 |
| Salaries and employee benefits | $949,000 | 6,536 |
| Premises and equipment expense | $306,000 | 5,701 |
| Additional noninterest expense | $640,000 | 5,878 |
| Pre-tax net operating income | $473,000 | 6,568 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $195,000 | 4,316 |
| Income before extraordinary items | $278,000 | 6,998 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $278,000 | 6,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,250 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,084 |
| Net operating income | $278,000 | 6,993 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,162,000 | 6,000 |
| Total interest expense | $1,443,000 | 5,436 |
| Net interest income | $1,719,000 | 6,296 |
| Provision for loan and lease losses | $36,000 | 5,493 |
| Total noninterest income | $68,000 | 7,916 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $36,000 | 7,010 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $32,000 | 7,453 |
| Total noninterest expense | $1,389,000 | 6,368 |
| Salaries and employee benefits | $688,000 | 6,605 |
| Premises and equipment expense | $228,000 | 5,738 |
| Additional noninterest expense | $473,000 | 5,924 |
| Pre-tax net operating income | $362,000 | 6,749 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $148,000 | 4,487 |
| Income before extraordinary items | $214,000 | 7,148 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $214,000 | 7,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,687 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 928 |
| Net operating income | $214,000 | 7,148 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,099,000 | 6,004 |
| Total interest expense | $932,000 | 5,409 |
| Net interest income | $1,167,000 | 6,292 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $42,000 | 8,023 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $22,000 | 7,105 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,559 |
| Total noninterest expense | $896,000 | 6,488 |
| Salaries and employee benefits | $434,000 | 6,782 |
| Premises and equipment expense | $153,000 | 5,725 |
| Additional noninterest expense | $309,000 | 5,989 |
| Pre-tax net operating income | $313,000 | 6,375 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $121,000 | 4,297 |
| Income before extraordinary items | $192,000 | 6,811 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $192,000 | 6,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,609 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $192,000 | 6,820 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,139,000 | 5,745 |
| Total interest expense | $557,000 | 4,813 |
| Net interest income | $582,000 | 6,308 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $19,000 | 8,105 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $410,000 | 6,719 |
| Salaries and employee benefits | $201,000 | 6,984 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $139,000 | 6,274 |
| Pre-tax net operating income | $191,000 | 5,935 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $72,000 | 4,009 |
| Income before extraordinary items | $119,000 | 6,424 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $119,000 | 6,424 |
| 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 | $0 | 648 |
| Net operating income | $119,000 | 6,418 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 6,447 |
| Total interest expense | $1,249,000 | 5,725 |
| Net interest income | $1,936,000 | 6,706 |
| Provision for loan and lease losses | $13,000 | 6,706 |
| Total noninterest income | $106,000 | 7,879 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $49,000 | 7,103 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $57,000 | 7,225 |
| Total noninterest expense | $1,637,000 | 6,657 |
| Salaries and employee benefits | $759,000 | 7,062 |
| Premises and equipment expense | $300,000 | 5,730 |
| Additional noninterest expense | $578,000 | 6,170 |
| Pre-tax net operating income | $392,000 | 7,091 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $155,000 | 4,964 |
| Income before extraordinary items | $237,000 | 7,431 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $237,000 | 7,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,923 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $4,246,000 | 324 |
| Net operating income | $237,000 | 7,407 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,042,000 | 6,821 |
| Total interest expense | $727,000 | 6,263 |
| Net interest income | $1,315,000 | 6,998 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $84,000 | 7,854 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 7,121 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $46,000 | 7,164 |
| Total noninterest expense | $1,207,000 | 6,704 |
| Salaries and employee benefits | $550,000 | 7,136 |
| Premises and equipment expense | $223,000 | 5,763 |
| Additional noninterest expense | $434,000 | 6,125 |
| Pre-tax net operating income | $183,000 | 7,703 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $74,000 | 5,502 |
| Income before extraordinary items | $109,000 | 7,908 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $109,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,900 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,246,000 | 234 |
| Net operating income | $109,000 | 7,882 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 7,108 |
| Total interest expense | $404,000 | 6,585 |
| Net interest income | $780,000 | 7,260 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $48,000 | 8,009 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $22,000 | 7,544 |
| Total noninterest expense | $759,000 | 6,872 |
| Salaries and employee benefits | $369,000 | 7,130 |
| Premises and equipment expense | $152,000 | 5,667 |
| Additional noninterest expense | $238,000 | 6,675 |
| Pre-tax net operating income | $69,000 | 8,031 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $28,000 | 5,916 |
| Income before extraordinary items | $41,000 | 8,175 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $41,000 | 8,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,301 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $3,008,000 | 167 |
| Net operating income | $41,000 | 8,139 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,351 |
| Total interest expense | $173,000 | 6,884 |
| Net interest income | $361,000 | 7,471 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $375,000 | 6,940 |
| Salaries and employee benefits | $186,000 | 7,170 |
| Premises and equipment expense | $76,000 | 5,710 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $6,000 | 8,377 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,000 | 6,630 |
| Income before extraordinary items | $4,000 | 8,418 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,000 | 8,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,000 | 8,391 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,986,000 | 7,397 |
| Total interest expense | $613,000 | 6,896 |
| Net interest income | $1,373,000 | 7,491 |
| Provision for loan and lease losses | $230,000 | 3,450 |
| Total noninterest income | $91,000 | 8,183 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,956 |
| Total noninterest expense | $1,696,000 | 6,547 |
| Salaries and employee benefits | $811,000 | 6,886 |
| Premises and equipment expense | $313,000 | 5,557 |
| Additional noninterest expense | $572,000 | 6,141 |
| Pre-tax net operating income | $-462,000 | 8,642 |
| Securities gains (losses) | $46,000 | 1,813 |
| Applicable income taxes | $-154,000 | 8,790 |
| Income before extraordinary items | $-262,000 | 8,613 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-262,000 | 8,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,982 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-291,440 | 8,598 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 7,396 |
| Total interest expense | $458,000 | 6,922 |
| Net interest income | $1,043,000 | 7,488 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $72,000 | 8,178 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $50,000 | 7,060 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 7,981 |
| Total noninterest expense | $1,220,000 | 6,632 |
| Salaries and employee benefits | $622,000 | 6,809 |
| Premises and equipment expense | $236,000 | 5,519 |
| Additional noninterest expense | $362,000 | 6,613 |
| Pre-tax net operating income | $-105,000 | 8,601 |
| Securities gains (losses) | $46,000 | 1,731 |
| Applicable income taxes | $-22,000 | 8,770 |
| Income before extraordinary items | $-37,000 | 8,562 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-37,000 | 8,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,301 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-66,440 | 8,566 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 7,358 |
| Total interest expense | $312,000 | 6,891 |
| Net interest income | $726,000 | 7,438 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $48,000 | 8,220 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $32,000 | 7,125 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 7,964 |
| Total noninterest expense | $859,000 | 6,518 |
| Salaries and employee benefits | $436,000 | 6,715 |
| Premises and equipment expense | $171,000 | 5,293 |
| Additional noninterest expense | $252,000 | 6,500 |
| Pre-tax net operating income | $-85,000 | 8,675 |
| Securities gains (losses) | $46,000 | 1,516 |
| Applicable income taxes | $-14,000 | 8,816 |
| Income before extraordinary items | $-25,000 | 8,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-25,000 | 8,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,167 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-54,440 | 8,638 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $547,000 | 7,304 |
| Total interest expense | $168,000 | 6,778 |
| Net interest income | $379,000 | 7,387 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $17,000 | 8,538 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $433,000 | 6,527 |
| Salaries and employee benefits | $224,000 | 6,666 |
| Premises and equipment expense | $86,000 | 5,308 |
| Additional noninterest expense | $123,000 | 6,605 |
| Pre-tax net operating income | $-37,000 | 8,697 |
| Securities gains (losses) | $26,000 | 1,575 |
| Applicable income taxes | $-4,000 | 8,819 |
| Income before extraordinary items | $-7,000 | 8,636 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-7,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,673 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-23,640 | 8,658 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,636,000 | 6,901 |
| Total interest expense | $831,000 | 6,616 |
| Net interest income | $1,805,000 | 6,894 |
| Provision for loan and lease losses | $660,000 | 1,702 |
| Total noninterest income | $65,000 | 8,648 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $56,000 | 7,345 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,000 | 8,800 |
| Total noninterest expense | $1,804,000 | 6,349 |
| Salaries and employee benefits | $918,000 | 6,540 |
| Premises and equipment expense | $336,000 | 5,308 |
| Additional noninterest expense | $550,000 | 6,250 |
| Pre-tax net operating income | $-594,000 | 8,858 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-214,000 | 9,017 |
| Income before extraordinary items | $-380,000 | 8,855 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-380,000 | 8,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $705,000 | 1,219 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,315,000 | 392 |
| Net operating income | $-380,000 | 8,794 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,059,000 | 6,870 |
| Total interest expense | $636,000 | 6,713 |
| Net interest income | $1,423,000 | 6,791 |
| Provision for loan and lease losses | $652,000 | 1,313 |
| Total noninterest income | $51,000 | 8,706 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $43,000 | 7,379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,801 |
| Total noninterest expense | $1,367,000 | 6,266 |
| Salaries and employee benefits | $689,000 | 6,516 |
| Premises and equipment expense | $255,000 | 5,266 |
| Additional noninterest expense | $423,000 | 6,173 |
| Pre-tax net operating income | $-545,000 | 8,980 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-202,000 | 9,123 |
| Income before extraordinary items | $-343,000 | 8,974 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-343,000 | 8,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,945 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $715,000 | 345 |
| Net operating income | $-343,000 | 8,906 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 6,852 |
| Total interest expense | $444,000 | 6,713 |
| Net interest income | $969,000 | 6,738 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $38,000 | 8,624 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $33,000 | 7,215 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $906,000 | 6,315 |
| Salaries and employee benefits | $448,000 | 6,617 |
| Premises and equipment expense | $172,000 | 5,198 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $99,000 | 8,017 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $36,000 | 6,202 |
| Income before extraordinary items | $63,000 | 8,302 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $63,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $63,000 | 8,169 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $729,000 | 6,786 |
| Total interest expense | $232,000 | 6,686 |
| Net interest income | $497,000 | 6,667 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $20,000 | 8,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $461,000 | 6,260 |
| Salaries and employee benefits | $223,000 | 6,648 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $154,000 | 5,833 |
| Pre-tax net operating income | $54,000 | 7,928 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $20,000 | 6,071 |
| Income before extraordinary items | $34,000 | 8,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $34,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $34,000 | 8,064 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,907,000 | 6,947 |
| Total interest expense | $1,191,000 | 6,455 |
| Net interest income | $1,716,000 | 7,093 |
| Provision for loan and lease losses | $569,000 | 2,168 |
| Total noninterest income | $60,000 | 8,877 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $51,000 | 7,508 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,930 |
| Total noninterest expense | $1,482,000 | 6,884 |
| Salaries and employee benefits | $764,000 | 7,027 |
| Premises and equipment expense | $310,000 | 5,463 |
| Additional noninterest expense | $408,000 | 7,103 |
| Pre-tax net operating income | $-275,000 | 8,871 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-102,000 | 9,067 |
| Income before extraordinary items | $-173,000 | 8,888 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-173,000 | 8,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 2,025 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-173,000 | 8,834 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,675,000 | 7,559 |
| Total interest expense | $1,417,000 | 7,155 |
| Net interest income | $1,258,000 | 7,762 |
| Provision for loan and lease losses | $92,000 | 5,755 |
| Total noninterest income | $49,000 | 9,160 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $44,000 | 7,717 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,000 | 9,318 |
| Total noninterest expense | $1,107,000 | 7,670 |
| Salaries and employee benefits | $548,000 | 7,942 |
| Premises and equipment expense | $203,000 | 6,749 |
| Additional noninterest expense | $356,000 | 7,464 |
| Pre-tax net operating income | $108,000 | 8,297 |
| Securities gains (losses) | $231,000 | 1,080 |
| Applicable income taxes | $122,000 | 5,750 |
| Income before extraordinary items | $217,000 | 7,618 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $217,000 | 7,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,337 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $69,160 | 8,403 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,529,000 | 7,880 |
| Total interest expense | $1,511,000 | 7,138 |
| Net interest income | $1,018,000 | 8,438 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $71,000 | 9,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,650 |
| Total noninterest expense | $991,000 | 8,055 |
| Salaries and employee benefits | $492,000 | 8,287 |
| Premises and equipment expense | $210,000 | 6,607 |
| Additional noninterest expense | $289,000 | 8,026 |
| Pre-tax net operating income | $98,000 | 8,803 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $35,000 | 7,503 |
| Income before extraordinary items | $66,000 | 8,897 |
| Extraordinary gains, net | $37,000 | 26 |
| Net income | $103,000 | 8,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $64,050 | 8,889 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,472,000 | 9,110 |
| Total interest expense | $838,000 | 8,592 |
| Net interest income | $634,000 | 9,441 |
| Provision for loan and lease losses | $-309,000 | 10,166 |
| Total noninterest income | $54,000 | 9,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,002 |
| Total noninterest expense | $944,000 | 8,284 |
| Salaries and employee benefits | $448,000 | 8,631 |
| Premises and equipment expense | $202,000 | 6,783 |
| Additional noninterest expense | $294,000 | 8,163 |
| Pre-tax net operating income | $53,000 | 9,225 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $20,000 | 8,212 |
| Income before extraordinary items | $33,000 | 9,316 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $33,000 | 9,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,734 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $33,000 | 9,282 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $991,000 | 9,862 |
| Total interest expense | $622,000 | 9,418 |
| Net interest income | $369,000 | 10,121 |
| Provision for loan and lease losses | $725,000 | 1,267 |
| Total noninterest income | $50,000 | 9,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 8,116 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $840,000 | 8,633 |
| Salaries and employee benefits | $359,000 | 9,231 |
| Premises and equipment expense | $154,000 | 7,558 |
| Additional noninterest expense | $327,000 | 7,872 |
| Pre-tax net operating income | $-1,146,000 | 10,365 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-434,000 | 10,388 |
| Income before extraordinary items | $-712,000 | 10,306 |
| Extraordinary gains, net | $-69,000 | 10,419 |
| Net income | $-781,000 | 10,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-712,000 | 10,282 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $69,000 | 10,891 |
| Total interest expense | $10,000 | 10,870 |
| Net interest income | $59,000 | 10,883 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $2,000 | 10,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,828 |
| Total noninterest expense | $509,000 | 10,101 |
| Salaries and employee benefits | $243,000 | 10,313 |
| Premises and equipment expense | $96,000 | 9,053 |
| Additional noninterest expense | $170,000 | 9,774 |
| Pre-tax net operating income | $-483,000 | 10,735 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-183,000 | 10,781 |
| Income before extraordinary items | $-300,000 | 10,672 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-300,000 | 10,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $4,250,000 | 240 |
| Net operating income | $-300,000 | 10,652 |
* 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.