EastBank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $166,000 | 8,131 |
| Total interest expense | $60,000 | 8,067 |
| Net interest income | $106,000 | 8,122 |
| Provision for loan and lease losses | $36,000 | 6,323 |
| Total noninterest income | $-13,000 | 7,989 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $39,000 | 6,109 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-52,000 | 7,916 |
| Total noninterest expense | $141,000 | 8,154 |
| Salaries and employee benefits | $43,000 | 8,166 |
| Premises and equipment expense | $36,000 | 7,770 |
| Additional noninterest expense | $62,000 | 8,089 |
| Pre-tax net operating income | $-84,000 | 6,065 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-84,000 | 6,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-84,000 | 6,158 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-84,000 | 6,158 |
| Net charge-offs | $61,000 | 4,739 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-84,000 | 6,115 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $262,000 | 7,912 |
| Total interest expense | $107,000 | 7,593 |
| Net interest income | $155,000 | 7,960 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $73,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $68,000 | 4,022 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $5,000 | 7,314 |
| Total noninterest expense | $370,000 | 6,875 |
| Salaries and employee benefits | $142,000 | 7,450 |
| Premises and equipment expense | $56,000 | 6,420 |
| Additional noninterest expense | $172,000 | 5,975 |
| Pre-tax net operating income | $-142,000 | 6,763 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $3,000 | 4,463 |
| Income before extraordinary items | $-145,000 | 6,920 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-145,000 | 6,921 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-145,000 | 6,921 |
| Net charge-offs | $23,000 | 4,220 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-145,000 | 6,840 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,055,000 | 7,951 |
| Total interest expense | $420,000 | 7,816 |
| Net interest income | $635,000 | 7,980 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $397,000 | 5,291 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $364,000 | 3,640 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $33,000 | 7,128 |
| Total noninterest expense | $1,290,000 | 7,159 |
| Salaries and employee benefits | $659,000 | 7,261 |
| Premises and equipment expense | $219,000 | 6,506 |
| Additional noninterest expense | $412,000 | 7,000 |
| Pre-tax net operating income | $-258,000 | 6,604 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-77,000 | 7,030 |
| Income before extraordinary items | $-181,000 | 6,459 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-181,000 | 6,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,675 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-181,000 | 6,609 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $770,000 | 8,060 |
| Total interest expense | $299,000 | 7,936 |
| Net interest income | $471,000 | 8,072 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $294,000 | 5,404 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $270,000 | 3,693 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $24,000 | 7,304 |
| Total noninterest expense | $1,019,000 | 7,072 |
| Salaries and employee benefits | $504,000 | 7,235 |
| Premises and equipment expense | $163,000 | 6,553 |
| Additional noninterest expense | $352,000 | 6,751 |
| Pre-tax net operating income | $-254,000 | 7,074 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-77,000 | 7,499 |
| Income before extraordinary items | $-177,000 | 6,875 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-177,000 | 6,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,073 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-177,000 | 7,049 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $511,000 | 8,137 |
| Total interest expense | $206,000 | 8,006 |
| Net interest income | $305,000 | 8,139 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $195,000 | 5,479 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $176,000 | 3,741 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $19,000 | 7,234 |
| Total noninterest expense | $711,000 | 7,031 |
| Salaries and employee benefits | $331,000 | 7,338 |
| Premises and equipment expense | $112,000 | 6,544 |
| Additional noninterest expense | $268,000 | 6,472 |
| Pre-tax net operating income | $-211,000 | 7,339 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-77,000 | 7,813 |
| Income before extraordinary items | $-134,000 | 7,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-134,000 | 7,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,143 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-134,000 | 7,281 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $271,000 | 8,162 |
| Total interest expense | $112,000 | 8,028 |
| Net interest income | $159,000 | 8,160 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $103,000 | 5,360 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $90,000 | 3,657 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $356,000 | 7,065 |
| Salaries and employee benefits | $177,000 | 7,224 |
| Premises and equipment expense | $51,000 | 6,733 |
| Additional noninterest expense | $128,000 | 6,565 |
| Pre-tax net operating income | $-94,000 | 7,540 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-36,000 | 7,977 |
| Income before extraordinary items | $-58,000 | 7,530 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-58,000 | 7,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,036 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-58,000 | 7,470 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,433,000 | 7,934 |
| Total interest expense | $681,000 | 7,691 |
| Net interest income | $752,000 | 8,026 |
| Provision for loan and lease losses | $-200,000 | 8,431 |
| Total noninterest income | $499,000 | 5,034 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $379,000 | 3,628 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $120,000 | 5,934 |
| Total noninterest expense | $1,357,000 | 7,130 |
| Salaries and employee benefits | $696,000 | 7,263 |
| Premises and equipment expense | $203,000 | 6,704 |
| Additional noninterest expense | $458,000 | 6,794 |
| Pre-tax net operating income | $94,000 | 7,167 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $40,000 | 5,041 |
| Income before extraordinary items | $54,000 | 7,313 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $54,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 8,372 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $54,000 | 7,283 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 7,968 |
| Total interest expense | $526,000 | 7,699 |
| Net interest income | $587,000 | 8,055 |
| Provision for loan and lease losses | $-200,000 | 8,472 |
| Total noninterest income | $395,000 | 4,939 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $284,000 | 3,628 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $111,000 | 5,616 |
| Total noninterest expense | $1,026,000 | 7,101 |
| Salaries and employee benefits | $528,000 | 7,215 |
| Premises and equipment expense | $149,000 | 6,738 |
| Additional noninterest expense | $349,000 | 6,746 |
| Pre-tax net operating income | $156,000 | 7,119 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $63,000 | 4,799 |
| Income before extraordinary items | $93,000 | 7,303 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $93,000 | 7,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-88,000 | 8,363 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $93,000 | 7,287 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $782,000 | 7,970 |
| Total interest expense | $362,000 | 7,688 |
| Net interest income | $420,000 | 8,055 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $200,000 | 5,568 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $182,000 | 3,700 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $18,000 | 7,471 |
| Total noninterest expense | $746,000 | 6,952 |
| Salaries and employee benefits | $379,000 | 7,113 |
| Premises and equipment expense | $99,000 | 6,786 |
| Additional noninterest expense | $268,000 | 6,415 |
| Pre-tax net operating income | $-126,000 | 8,012 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-51,000 | 8,292 |
| Income before extraordinary items | $-75,000 | 7,951 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-75,000 | 7,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 8,377 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-75,000 | 7,945 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $384,000 | 8,028 |
| Total interest expense | $182,000 | 7,710 |
| Net interest income | $202,000 | 8,158 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $93,000 | 5,686 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $86,000 | 3,759 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $384,000 | 6,926 |
| Salaries and employee benefits | $204,000 | 6,995 |
| Premises and equipment expense | $53,000 | 6,692 |
| Additional noninterest expense | $127,000 | 6,553 |
| Pre-tax net operating income | $-89,000 | 8,131 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-36,000 | 8,376 |
| Income before extraordinary items | $-53,000 | 8,059 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-53,000 | 8,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,426 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-53,000 | 8,044 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,548,000 | 7,901 |
| Total interest expense | $611,000 | 7,685 |
| Net interest income | $937,000 | 7,923 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $414,000 | 5,532 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $373,000 | 3,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 7,461 |
| Total noninterest expense | $1,588,000 | 6,748 |
| Salaries and employee benefits | $934,000 | 6,574 |
| Premises and equipment expense | $212,000 | 6,597 |
| Additional noninterest expense | $442,000 | 6,839 |
| Pre-tax net operating income | $-237,000 | 8,140 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-96,000 | 8,366 |
| Income before extraordinary items | $-141,000 | 8,111 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-141,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,342 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-141,000 | 8,099 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 8,007 |
| Total interest expense | $429,000 | 7,787 |
| Net interest income | $687,000 | 8,032 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $308,000 | 5,575 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $277,000 | 3,727 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,477 |
| Total noninterest expense | $1,216,000 | 6,713 |
| Salaries and employee benefits | $702,000 | 6,565 |
| Premises and equipment expense | $162,000 | 6,583 |
| Additional noninterest expense | $352,000 | 6,689 |
| Pre-tax net operating income | $-221,000 | 8,311 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-79,000 | 8,545 |
| Income before extraordinary items | $-142,000 | 8,282 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-142,000 | 8,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 2,145 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-142,000 | 8,272 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $731,000 | 8,042 |
| Total interest expense | $261,000 | 7,881 |
| Net interest income | $470,000 | 8,049 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $197,000 | 5,672 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $179,000 | 3,778 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,655 |
| Total noninterest expense | $806,000 | 6,755 |
| Salaries and employee benefits | $470,000 | 6,584 |
| Premises and equipment expense | $112,000 | 6,510 |
| Additional noninterest expense | $224,000 | 6,861 |
| Pre-tax net operating income | $-139,000 | 8,368 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-56,000 | 8,590 |
| Income before extraordinary items | $-83,000 | 8,331 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-83,000 | 8,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,025 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-83,000 | 8,326 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $353,000 | 8,083 |
| Total interest expense | $119,000 | 7,970 |
| Net interest income | $234,000 | 8,076 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $93,000 | 5,746 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $85,000 | 3,811 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $413,000 | 6,692 |
| Salaries and employee benefits | $214,000 | 6,824 |
| Premises and equipment expense | $56,000 | 6,526 |
| Additional noninterest expense | $143,000 | 6,200 |
| Pre-tax net operating income | $-86,000 | 8,422 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-33,000 | 8,613 |
| Income before extraordinary items | $-53,000 | 8,389 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-53,000 | 8,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-53,000 | 8,376 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,801,000 | 7,634 |
| Total interest expense | $566,000 | 7,421 |
| Net interest income | $1,235,000 | 7,637 |
| Provision for loan and lease losses | $210,000 | 3,502 |
| Total noninterest income | $212,000 | 6,978 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $465,000 | 3,209 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-253,000 | 8,838 |
| Total noninterest expense | $1,853,000 | 6,345 |
| Salaries and employee benefits | $888,000 | 6,676 |
| Premises and equipment expense | $210,000 | 6,632 |
| Additional noninterest expense | $755,000 | 5,355 |
| Pre-tax net operating income | $-616,000 | 8,536 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-235,000 | 8,696 |
| Income before extraordinary items | $-381,000 | 8,500 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-381,000 | 8,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $653,000 | 942 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-381,000 | 8,483 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,371,000 | 7,633 |
| Total interest expense | $440,000 | 7,319 |
| Net interest income | $931,000 | 7,681 |
| Provision for loan and lease losses | $210,000 | 2,870 |
| Total noninterest income | $95,000 | 7,740 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $360,000 | 3,140 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-265,000 | 8,865 |
| Total noninterest expense | $1,426,000 | 6,246 |
| Salaries and employee benefits | $664,000 | 6,679 |
| Premises and equipment expense | $153,000 | 6,664 |
| Additional noninterest expense | $609,000 | 5,070 |
| Pre-tax net operating income | $-610,000 | 8,637 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-251,000 | 8,773 |
| Income before extraordinary items | $-359,000 | 8,590 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-359,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 912 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-359,000 | 8,562 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $940,000 | 7,573 |
| Total interest expense | $302,000 | 7,174 |
| Net interest income | $638,000 | 7,652 |
| Provision for loan and lease losses | $210,000 | 2,058 |
| Total noninterest income | $-31,000 | 8,860 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $247,000 | 3,037 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-278,000 | 8,877 |
| Total noninterest expense | $985,000 | 6,127 |
| Salaries and employee benefits | $466,000 | 6,540 |
| Premises and equipment expense | $97,000 | 6,763 |
| Additional noninterest expense | $422,000 | 4,918 |
| Pre-tax net operating income | $-588,000 | 8,696 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-237,000 | 8,799 |
| Income before extraordinary items | $-351,000 | 8,660 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-351,000 | 8,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 698 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-351,000 | 8,635 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $508,000 | 7,454 |
| Total interest expense | $148,000 | 7,190 |
| Net interest income | $360,000 | 7,478 |
| Provision for loan and lease losses | $-89,000 | 8,826 |
| Total noninterest income | $70,000 | 6,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $145,000 | 2,637 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-75,000 | 8,927 |
| Total noninterest expense | $481,000 | 6,242 |
| Salaries and employee benefits | $211,000 | 6,845 |
| Premises and equipment expense | $50,000 | 6,770 |
| Additional noninterest expense | $220,000 | 4,754 |
| Pre-tax net operating income | $38,000 | 8,047 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $16,000 | 5,817 |
| Income before extraordinary items | $22,000 | 8,218 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $22,000 | 8,218 |
| 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 | $22,000 | 8,194 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,206,000 | 7,170 |
| Total interest expense | $543,000 | 7,147 |
| Net interest income | $1,663,000 | 7,095 |
| Provision for loan and lease losses | $858,000 | 1,206 |
| Total noninterest income | $775,000 | 4,135 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $695,000 | 2,382 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $80,000 | 6,771 |
| Total noninterest expense | $1,607,000 | 6,695 |
| Salaries and employee benefits | $795,000 | 6,954 |
| Premises and equipment expense | $202,000 | 6,741 |
| Additional noninterest expense | $610,000 | 5,916 |
| Pre-tax net operating income | $-27,000 | 8,430 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-73,000 | 8,701 |
| Income before extraordinary items | $46,000 | 8,298 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $46,000 | 8,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,012 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $46,000 | 8,259 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 7,214 |
| Total interest expense | $403,000 | 7,184 |
| Net interest income | $1,235,000 | 7,137 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $592,000 | 4,118 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $527,000 | 2,390 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $65,000 | 6,663 |
| Total noninterest expense | $1,226,000 | 6,616 |
| Salaries and employee benefits | $646,000 | 6,706 |
| Premises and equipment expense | $143,000 | 6,838 |
| Additional noninterest expense | $437,000 | 6,026 |
| Pre-tax net operating income | $466,000 | 6,478 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $157,000 | 4,784 |
| Income before extraordinary items | $309,000 | 6,840 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $309,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,903 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $309,000 | 6,764 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 7,265 |
| Total interest expense | $266,000 | 7,249 |
| Net interest income | $824,000 | 7,160 |
| Provision for loan and lease losses | $85,000 | 3,829 |
| Total noninterest income | $398,000 | 4,103 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $350,000 | 2,388 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $780,000 | 6,792 |
| Salaries and employee benefits | $435,000 | 6,724 |
| Premises and equipment expense | $88,000 | 7,035 |
| Additional noninterest expense | $257,000 | 6,448 |
| Pre-tax net operating income | $357,000 | 6,140 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $125,000 | 4,546 |
| Income before extraordinary items | $232,000 | 6,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $232,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,594 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $232,000 | 6,522 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $513,000 | 7,434 |
| Total interest expense | $134,000 | 7,289 |
| Net interest income | $379,000 | 7,387 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $184,000 | 4,261 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $164,000 | 2,483 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $20,000 | 6,798 |
| Total noninterest expense | $376,000 | 6,927 |
| Salaries and employee benefits | $209,000 | 6,869 |
| Premises and equipment expense | $42,000 | 7,151 |
| Additional noninterest expense | $125,000 | 6,555 |
| Pre-tax net operating income | $167,000 | 6,218 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $59,000 | 4,619 |
| Income before extraordinary items | $108,000 | 6,727 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 6,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $108,000 | 6,610 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 7,607 |
| Total interest expense | $439,000 | 7,979 |
| Net interest income | $1,502,000 | 7,364 |
| Provision for loan and lease losses | $145,000 | 4,649 |
| Total noninterest income | $493,000 | 5,480 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $410,000 | 3,595 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $83,000 | 6,824 |
| Total noninterest expense | $1,445,000 | 6,990 |
| Salaries and employee benefits | $757,000 | 7,083 |
| Premises and equipment expense | $155,000 | 7,335 |
| Additional noninterest expense | $533,000 | 6,358 |
| Pre-tax net operating income | $405,000 | 7,021 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $149,000 | 5,281 |
| Income before extraordinary items | $256,000 | 7,493 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $256,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $256,000 | 7,352 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,453,000 | 7,706 |
| Total interest expense | $323,000 | 8,136 |
| Net interest income | $1,130,000 | 7,414 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $322,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $278,000 | 3,838 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $44,000 | 7,400 |
| Total noninterest expense | $1,080,000 | 7,005 |
| Salaries and employee benefits | $585,000 | 6,987 |
| Premises and equipment expense | $117,000 | 7,325 |
| Additional noninterest expense | $378,000 | 6,503 |
| Pre-tax net operating income | $237,000 | 7,510 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $87,000 | 5,724 |
| Income before extraordinary items | $150,000 | 7,903 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $150,000 | 7,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $150,000 | 7,755 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $957,000 | 7,798 |
| Total interest expense | $217,000 | 8,221 |
| Net interest income | $740,000 | 7,469 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $197,000 | 6,048 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $168,000 | 4,039 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $29,000 | 7,373 |
| Total noninterest expense | $714,000 | 7,038 |
| Salaries and employee benefits | $394,000 | 6,979 |
| Premises and equipment expense | $79,000 | 7,317 |
| Additional noninterest expense | $241,000 | 6,639 |
| Pre-tax net operating income | $123,000 | 7,824 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $45,000 | 6,001 |
| Income before extraordinary items | $78,000 | 8,157 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $78,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $78,000 | 7,997 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $479,000 | 7,845 |
| Total interest expense | $108,000 | 8,326 |
| Net interest income | $371,000 | 7,471 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $83,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 4,383 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $372,000 | 6,937 |
| Salaries and employee benefits | $202,000 | 6,954 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $131,000 | 6,392 |
| Pre-tax net operating income | $27,000 | 8,356 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $17,000 | 8,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 8,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $17,000 | 8,413 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,758,000 | 8,117 |
| Total interest expense | $469,000 | 8,465 |
| Net interest income | $1,289,000 | 7,775 |
| Provision for loan and lease losses | $206,000 | 4,282 |
| Total noninterest income | $281,000 | 6,613 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $235,000 | 4,843 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $46,000 | 7,707 |
| Total noninterest expense | $1,276,000 | 7,301 |
| Salaries and employee benefits | $684,000 | 7,346 |
| Premises and equipment expense | $141,000 | 7,569 |
| Additional noninterest expense | $451,000 | 6,809 |
| Pre-tax net operating income | $88,000 | 8,349 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $8,000 | 7,355 |
| Income before extraordinary items | $80,000 | 8,424 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $80,000 | 8,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,967 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $80,000 | 8,334 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,285,000 | 8,914 |
| Total interest expense | $373,000 | 9,196 |
| Net interest income | $912,000 | 8,446 |
| Provision for loan and lease losses | $191,000 | 4,241 |
| Total noninterest income | $116,000 | 8,291 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $98,000 | 6,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $18,000 | 8,807 |
| Total noninterest expense | $949,000 | 8,090 |
| Salaries and employee benefits | $505,000 | 8,159 |
| Premises and equipment expense | $128,000 | 7,879 |
| Additional noninterest expense | $316,000 | 7,737 |
| Pre-tax net operating income | $-112,000 | 8,877 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-27,000 | 9,080 |
| Income before extraordinary items | $-85,000 | 8,937 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-85,000 | 8,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-85,000 | 8,879 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $176,000 | 9,834 |
| Total interest expense | $32,000 | 9,798 |
| Net interest income | $144,000 | 9,818 |
| Provision for loan and lease losses | $63,000 | 6,132 |
| Total noninterest income | $10,000 | 9,745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $307,000 | 9,750 |
| Salaries and employee benefits | $162,000 | 9,717 |
| Premises and equipment expense | $39,000 | 9,571 |
| Additional noninterest expense | $106,000 | 9,587 |
| Pre-tax net operating income | $-216,000 | 9,351 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-51,000 | 9,492 |
| Income before extraordinary items | $-165,000 | 9,339 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-165,000 | 9,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,910,000 | 305 |
| Net operating income | $-165,000 | 9,339 |
* 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.