Ebank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,517,000 | 5,211 |
| Total interest expense | $2,498,000 | 2,455 |
| Net interest income | $19,000 | 8,164 |
| Provision for loan and lease losses | $591,000 | 2,749 |
| Total noninterest income | $73,000 | 6,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $73,000 | 5,302 |
| Total noninterest expense | $2,795,000 | 3,407 |
| Salaries and employee benefits | $838,000 | 4,954 |
| Premises and equipment expense | $407,000 | 3,131 |
| Additional noninterest expense | $1,550,000 | 2,266 |
| Pre-tax net operating income | $-3,294,000 | 7,597 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,294,000 | 7,656 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,294,000 | 7,655 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,294,000 | 7,655 |
| Net charge-offs | $807,000 | 1,826 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,294,000 | 7,667 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,390,000 | 4,969 |
| Total interest expense | $1,307,000 | 2,433 |
| Net interest income | $83,000 | 8,136 |
| Provision for loan and lease losses | $152,000 | 3,191 |
| Total noninterest income | $22,000 | 7,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $22,000 | 6,048 |
| Total noninterest expense | $1,250,000 | 3,652 |
| Salaries and employee benefits | $408,000 | 5,082 |
| Premises and equipment expense | $228,000 | 2,903 |
| Additional noninterest expense | $614,000 | 2,515 |
| Pre-tax net operating income | $-1,297,000 | 7,712 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,297,000 | 7,788 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,297,000 | 7,789 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,297,000 | 7,789 |
| Net charge-offs | $172,000 | 2,282 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,297,000 | 7,779 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,829,000 | 4,556 |
| Total interest expense | $5,255,000 | 2,846 |
| Net interest income | $1,574,000 | 6,912 |
| Provision for loan and lease losses | $2,964,000 | 1,405 |
| Total noninterest income | $271,000 | 5,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $271,000 | 4,284 |
| Total noninterest expense | $6,117,000 | 3,023 |
| Salaries and employee benefits | $1,867,000 | 4,684 |
| Premises and equipment expense | $1,017,000 | 2,589 |
| Additional noninterest expense | $3,233,000 | 1,893 |
| Pre-tax net operating income | $-7,236,000 | 7,908 |
| Securities gains (losses) | $113,000 | 1,043 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-7,123,000 | 7,912 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,123,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,673,000 | 1,087 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-7,236,000 | 7,954 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,240,000 | 4,569 |
| Total interest expense | $3,834,000 | 3,015 |
| Net interest income | $1,406,000 | 6,611 |
| Provision for loan and lease losses | $2,016,000 | 1,180 |
| Total noninterest income | $210,000 | 6,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $210,000 | 4,324 |
| Total noninterest expense | $4,419,000 | 3,108 |
| Salaries and employee benefits | $1,471,000 | 4,551 |
| Premises and equipment expense | $768,000 | 2,585 |
| Additional noninterest expense | $2,180,000 | 1,999 |
| Pre-tax net operating income | $-4,819,000 | 8,123 |
| Securities gains (losses) | $113,000 | 890 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-4,706,000 | 8,114 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,706,000 | 8,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,010,000 | 824 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,819,000 | 8,159 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,555,000 | 4,574 |
| Total interest expense | $2,601,000 | 3,074 |
| Net interest income | $954,000 | 6,578 |
| Provision for loan and lease losses | $2,016,000 | 787 |
| Total noninterest income | $199,000 | 5,442 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $199,000 | 3,776 |
| Total noninterest expense | $2,845,000 | 3,222 |
| Salaries and employee benefits | $1,027,000 | 4,436 |
| Premises and equipment expense | $500,000 | 2,637 |
| Additional noninterest expense | $1,318,000 | 2,151 |
| Pre-tax net operating income | $-3,708,000 | 8,259 |
| Securities gains (losses) | $115,000 | 866 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-3,593,000 | 8,284 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,593,000 | 8,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,677,000 | 616 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-3,708,000 | 8,281 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,742,000 | 4,732 |
| Total interest expense | $1,361,000 | 3,136 |
| Net interest income | $381,000 | 7,100 |
| Provision for loan and lease losses | $900,000 | 661 |
| Total noninterest income | $99,000 | 5,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $99,000 | 3,788 |
| Total noninterest expense | $1,378,000 | 3,304 |
| Salaries and employee benefits | $540,000 | 4,281 |
| Premises and equipment expense | $258,000 | 2,601 |
| Additional noninterest expense | $580,000 | 2,385 |
| Pre-tax net operating income | $-1,798,000 | 8,356 |
| Securities gains (losses) | $116,000 | 644 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-1,682,000 | 8,371 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,682,000 | 8,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $810,000 | 527 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,798,000 | 8,368 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,574,000 | 3,877 |
| Total interest expense | $6,230,000 | 2,924 |
| Net interest income | $3,344,000 | 5,194 |
| Provision for loan and lease losses | $1,076,000 | 1,352 |
| Total noninterest income | $692,000 | 4,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $692,000 | 2,776 |
| Total noninterest expense | $5,945,000 | 2,987 |
| Salaries and employee benefits | $2,751,000 | 3,458 |
| Premises and equipment expense | $1,027,000 | 2,511 |
| Additional noninterest expense | $2,167,000 | 2,485 |
| Pre-tax net operating income | $-2,985,000 | 8,368 |
| Securities gains (losses) | $747,000 | 208 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-2,238,000 | 8,344 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,238,000 | 8,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $583,000 | 1,510 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-2,985,000 | 8,392 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,254,000 | 3,862 |
| Total interest expense | $4,680,000 | 2,913 |
| Net interest income | $2,574,000 | 5,120 |
| Provision for loan and lease losses | $830,000 | 1,052 |
| Total noninterest income | $461,000 | 4,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $461,000 | 2,974 |
| Total noninterest expense | $4,359,000 | 3,032 |
| Salaries and employee benefits | $2,124,000 | 3,367 |
| Premises and equipment expense | $769,000 | 2,503 |
| Additional noninterest expense | $1,466,000 | 2,671 |
| Pre-tax net operating income | $-2,154,000 | 8,451 |
| Securities gains (losses) | $622,000 | 200 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,532,000 | 8,419 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,532,000 | 8,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,325 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-2,154,000 | 8,462 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,870,000 | 3,861 |
| Total interest expense | $3,073,000 | 2,949 |
| Net interest income | $1,797,000 | 5,001 |
| Provision for loan and lease losses | $705,000 | 774 |
| Total noninterest income | $293,000 | 4,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $293,000 | 3,050 |
| Total noninterest expense | $2,940,000 | 3,021 |
| Salaries and employee benefits | $1,513,000 | 3,221 |
| Premises and equipment expense | $520,000 | 2,485 |
| Additional noninterest expense | $907,000 | 2,861 |
| Pre-tax net operating income | $-1,555,000 | 8,527 |
| Securities gains (losses) | $474,000 | 189 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-1,081,000 | 8,494 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,081,000 | 8,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,413 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,555,000 | 8,535 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,458,000 | 3,823 |
| Total interest expense | $1,531,000 | 2,938 |
| Net interest income | $927,000 | 4,914 |
| Provision for loan and lease losses | $22,000 | 4,272 |
| Total noninterest income | $145,000 | 4,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $145,000 | 3,088 |
| Total noninterest expense | $1,462,000 | 3,046 |
| Salaries and employee benefits | $737,000 | 3,313 |
| Premises and equipment expense | $278,000 | 2,349 |
| Additional noninterest expense | $447,000 | 2,875 |
| Pre-tax net operating income | $-412,000 | 8,478 |
| Securities gains (losses) | $241,000 | 181 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-171,000 | 8,297 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-171,000 | 8,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,389 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-412,000 | 8,495 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,402,000 | 3,749 |
| Total interest expense | $5,222,000 | 2,926 |
| Net interest income | $4,180,000 | 4,541 |
| Provision for loan and lease losses | $605,000 | 1,598 |
| Total noninterest income | $1,328,000 | 2,929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,328,000 | 1,814 |
| Total noninterest expense | $5,371,000 | 3,152 |
| Salaries and employee benefits | $2,615,000 | 3,495 |
| Premises and equipment expense | $967,000 | 2,555 |
| Additional noninterest expense | $1,789,000 | 2,832 |
| Pre-tax net operating income | $-468,000 | 8,241 |
| Securities gains (losses) | $47,000 | 696 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-421,000 | 8,259 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-421,000 | 8,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,292 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-468,000 | 8,272 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,975,000 | 3,753 |
| Total interest expense | $3,724,000 | 2,967 |
| Net interest income | $3,251,000 | 4,475 |
| Provision for loan and lease losses | $242,000 | 2,500 |
| Total noninterest income | $858,000 | 3,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $858,000 | 2,030 |
| Total noninterest expense | $3,780,000 | 3,325 |
| Salaries and employee benefits | $1,914,000 | 3,557 |
| Premises and equipment expense | $722,000 | 2,565 |
| Additional noninterest expense | $1,144,000 | 3,249 |
| Pre-tax net operating income | $87,000 | 7,855 |
| Securities gains (losses) | $19,000 | 755 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $106,000 | 7,692 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $106,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $371,000 | 998 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $87,000 | 7,796 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,573,000 | 3,755 |
| Total interest expense | $2,342,000 | 2,986 |
| Net interest income | $2,231,000 | 4,399 |
| Provision for loan and lease losses | $218,000 | 1,972 |
| Total noninterest income | $476,000 | 3,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,289 |
| Total noninterest expense | $2,422,000 | 3,433 |
| Salaries and employee benefits | $1,269,000 | 3,590 |
| Premises and equipment expense | $462,000 | 2,656 |
| Additional noninterest expense | $691,000 | 3,524 |
| Pre-tax net operating income | $67,000 | 7,867 |
| Securities gains (losses) | $11,000 | 713 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $78,000 | 7,702 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $78,000 | 7,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 751 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $67,000 | 7,791 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,226,000 | 3,770 |
| Total interest expense | $1,092,000 | 3,038 |
| Net interest income | $1,134,000 | 4,334 |
| Provision for loan and lease losses | $52,000 | 3,073 |
| Total noninterest income | $186,000 | 4,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $186,000 | 2,618 |
| Total noninterest expense | $1,034,000 | 3,923 |
| Salaries and employee benefits | $576,000 | 3,875 |
| Premises and equipment expense | $206,000 | 2,949 |
| Additional noninterest expense | $252,000 | 4,448 |
| Pre-tax net operating income | $234,000 | 5,503 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $234,000 | 4,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 4,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 933 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $234,000 | 4,972 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,012,000 | 3,755 |
| Total interest expense | $3,606,000 | 2,870 |
| Net interest income | $4,406,000 | 4,325 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $948,000 | 3,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $948,000 | 2,289 |
| Total noninterest expense | $3,955,000 | 3,894 |
| Salaries and employee benefits | $2,210,000 | 3,827 |
| Premises and equipment expense | $757,000 | 3,033 |
| Additional noninterest expense | $988,000 | 4,458 |
| Pre-tax net operating income | $1,099,000 | 5,099 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,099,000 | 4,563 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,099,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,156 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,099,000 | 4,527 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,767,000 | 3,823 |
| Total interest expense | $2,539,000 | 2,897 |
| Net interest income | $3,228,000 | 4,416 |
| Provision for loan and lease losses | $220,000 | 2,803 |
| Total noninterest income | $641,000 | 3,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $641,000 | 2,453 |
| Total noninterest expense | $2,909,000 | 3,924 |
| Salaries and employee benefits | $1,616,000 | 3,884 |
| Premises and equipment expense | $560,000 | 3,051 |
| Additional noninterest expense | $733,000 | 4,482 |
| Pre-tax net operating income | $740,000 | 5,527 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $740,000 | 4,946 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $740,000 | 4,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 877 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $740,000 | 4,906 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,597,000 | 3,959 |
| Total interest expense | $1,508,000 | 3,028 |
| Net interest income | $2,089,000 | 4,485 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $485,000 | 3,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $485,000 | 2,232 |
| Total noninterest expense | $1,944,000 | 3,892 |
| Salaries and employee benefits | $1,081,000 | 3,857 |
| Premises and equipment expense | $365,000 | 3,078 |
| Additional noninterest expense | $498,000 | 4,387 |
| Pre-tax net operating income | $565,000 | 5,159 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $565,000 | 4,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $565,000 | 4,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 978 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $565,000 | 4,521 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,650,000 | 4,185 |
| Total interest expense | $639,000 | 3,342 |
| Net interest income | $1,011,000 | 4,593 |
| Provision for loan and lease losses | $27,000 | 4,321 |
| Total noninterest income | $182,000 | 4,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $182,000 | 2,636 |
| Total noninterest expense | $923,000 | 4,081 |
| Salaries and employee benefits | $510,000 | 4,032 |
| Premises and equipment expense | $179,000 | 3,170 |
| Additional noninterest expense | $234,000 | 4,589 |
| Pre-tax net operating income | $243,000 | 5,510 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $243,000 | 4,940 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $243,000 | 4,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 1,097 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $243,000 | 4,893 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,225,000 | 4,146 |
| Total interest expense | $2,210,000 | 3,361 |
| Net interest income | $4,015,000 | 4,474 |
| Provision for loan and lease losses | $1,156,000 | 928 |
| Total noninterest income | $729,000 | 4,294 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $729,000 | 2,654 |
| Total noninterest expense | $3,540,000 | 4,143 |
| Salaries and employee benefits | $1,969,000 | 4,043 |
| Premises and equipment expense | $781,000 | 2,851 |
| Additional noninterest expense | $790,000 | 5,134 |
| Pre-tax net operating income | $48,000 | 8,255 |
| Securities gains (losses) | $53,000 | 1,691 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $101,000 | 8,088 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $101,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,048,000 | 746 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $48,000 | 8,250 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,654,000 | 4,138 |
| Total interest expense | $1,665,000 | 3,295 |
| Net interest income | $2,989,000 | 4,488 |
| Provision for loan and lease losses | $529,000 | 1,389 |
| Total noninterest income | $552,000 | 4,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $552,000 | 2,645 |
| Total noninterest expense | $2,624,000 | 4,144 |
| Salaries and employee benefits | $1,480,000 | 3,992 |
| Premises and equipment expense | $589,000 | 2,826 |
| Additional noninterest expense | $555,000 | 5,314 |
| Pre-tax net operating income | $388,000 | 6,796 |
| Securities gains (losses) | $50,000 | 1,653 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $438,000 | 6,116 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $438,000 | 6,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 644 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $388,000 | 6,327 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,068,000 | 4,171 |
| Total interest expense | $1,119,000 | 3,259 |
| Net interest income | $1,949,000 | 4,554 |
| Provision for loan and lease losses | $231,000 | 1,973 |
| Total noninterest income | $439,000 | 3,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $439,000 | 2,383 |
| Total noninterest expense | $1,778,000 | 4,115 |
| Salaries and employee benefits | $1,008,000 | 3,950 |
| Premises and equipment expense | $401,000 | 2,784 |
| Additional noninterest expense | $369,000 | 5,341 |
| Pre-tax net operating income | $379,000 | 5,989 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $379,000 | 5,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 1,243 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $379,000 | 5,365 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 4,209 |
| Total interest expense | $582,000 | 3,192 |
| Net interest income | $947,000 | 4,650 |
| Provision for loan and lease losses | $31,000 | 4,037 |
| Total noninterest income | $255,000 | 3,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $255,000 | 2,104 |
| Total noninterest expense | $941,000 | 3,951 |
| Salaries and employee benefits | $530,000 | 3,818 |
| Premises and equipment expense | $213,000 | 2,655 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $230,000 | 5,488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $230,000 | 4,977 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $230,000 | 4,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,540 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $230,000 | 4,853 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,768,000 | 4,412 |
| Total interest expense | $2,408,000 | 3,432 |
| Net interest income | $3,360,000 | 4,925 |
| Provision for loan and lease losses | $894,000 | 1,339 |
| Total noninterest income | $834,000 | 4,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $834,000 | 2,669 |
| Total noninterest expense | $4,224,000 | 3,542 |
| Salaries and employee benefits | $2,619,000 | 3,142 |
| Premises and equipment expense | $804,000 | 2,748 |
| Additional noninterest expense | $801,000 | 5,038 |
| Pre-tax net operating income | $-924,000 | 8,957 |
| Securities gains (losses) | $1,025,000 | 471 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $101,000 | 8,214 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $101,000 | 8,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $612,000 | 1,371 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-924,000 | 8,974 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,292,000 | 4,492 |
| Total interest expense | $1,823,000 | 3,525 |
| Net interest income | $2,469,000 | 5,016 |
| Provision for loan and lease losses | $689,000 | 1,245 |
| Total noninterest income | $670,000 | 4,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $670,000 | 2,644 |
| Total noninterest expense | $3,150,000 | 3,552 |
| Salaries and employee benefits | $2,051,000 | 3,020 |
| Premises and equipment expense | $542,000 | 3,014 |
| Additional noninterest expense | $557,000 | 5,273 |
| Pre-tax net operating income | $-700,000 | 9,018 |
| Securities gains (losses) | $1,023,000 | 435 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $323,000 | 6,816 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $323,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,103 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-700,000 | 9,029 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 4,530 |
| Total interest expense | $1,221,000 | 3,615 |
| Net interest income | $1,637,000 | 5,030 |
| Provision for loan and lease losses | $689,000 | 891 |
| Total noninterest income | $394,000 | 4,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $394,000 | 2,825 |
| Total noninterest expense | $2,232,000 | 3,351 |
| Salaries and employee benefits | $1,523,000 | 2,744 |
| Premises and equipment expense | $357,000 | 3,030 |
| Additional noninterest expense | $352,000 | 5,458 |
| Pre-tax net operating income | $-890,000 | 9,140 |
| Securities gains (losses) | $1,007,000 | 357 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $117,000 | 7,784 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $117,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,691 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-890,000 | 9,146 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,423,000 | 4,569 |
| Total interest expense | $615,000 | 3,672 |
| Net interest income | $808,000 | 5,064 |
| Provision for loan and lease losses | $103,000 | 2,334 |
| Total noninterest income | $214,000 | 3,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $214,000 | 2,609 |
| Total noninterest expense | $1,297,000 | 2,950 |
| Salaries and employee benefits | $986,000 | 2,143 |
| Premises and equipment expense | $174,000 | 3,100 |
| Additional noninterest expense | $137,000 | 6,250 |
| Pre-tax net operating income | $-378,000 | 9,176 |
| Securities gains (losses) | $757,000 | 271 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $379,000 | 3,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 962 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-378,000 | 9,167 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,234,000 | 4,439 |
| Total interest expense | $2,692,000 | 3,873 |
| Net interest income | $3,542,000 | 4,722 |
| Provision for loan and lease losses | $322,000 | 3,287 |
| Total noninterest income | $840,000 | 3,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $840,000 | 2,434 |
| Total noninterest expense | $7,606,000 | 1,977 |
| Salaries and employee benefits | $3,502,000 | 2,291 |
| Premises and equipment expense | $1,696,000 | 1,296 |
| Additional noninterest expense | $2,408,000 | 1,919 |
| Pre-tax net operating income | $-3,546,000 | 9,298 |
| Securities gains (losses) | $2,704,000 | 229 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-842,000 | 9,148 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-842,000 | 9,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 3,037 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-3,546,000 | 9,297 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,846,000 | 4,501 |
| Total interest expense | $3,859,000 | 3,914 |
| Net interest income | $2,987,000 | 5,092 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $551,000 | 4,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $551,000 | 2,967 |
| Total noninterest expense | $4,263,000 | 3,235 |
| Salaries and employee benefits | $2,160,000 | 3,363 |
| Premises and equipment expense | $1,166,000 | 1,847 |
| Additional noninterest expense | $937,000 | 4,280 |
| Pre-tax net operating income | $-775,000 | 9,274 |
| Securities gains (losses) | $43,000 | 2,496 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-732,000 | 9,323 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-732,000 | 9,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,969 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-775,000 | 9,309 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,116,000 | 5,010 |
| Total interest expense | $3,262,000 | 4,631 |
| Net interest income | $2,854,000 | 5,335 |
| Provision for loan and lease losses | $334,000 | 2,654 |
| Total noninterest income | $245,000 | 6,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $245,000 | 4,340 |
| Total noninterest expense | $4,113,000 | 3,255 |
| Salaries and employee benefits | $2,132,000 | 3,286 |
| Premises and equipment expense | $681,000 | 2,933 |
| Additional noninterest expense | $1,300,000 | 3,177 |
| Pre-tax net operating income | $-1,348,000 | 9,773 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,348,000 | 9,782 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,348,000 | 9,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 9,532 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,348,000 | 9,784 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,316,000 | 7,032 |
| Total interest expense | $1,550,000 | 6,852 |
| Net interest income | $1,766,000 | 7,076 |
| Provision for loan and lease losses | $545,000 | 1,647 |
| Total noninterest income | $37,000 | 9,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $37,000 | 8,550 |
| Total noninterest expense | $1,867,000 | 5,940 |
| Salaries and employee benefits | $1,091,000 | 5,535 |
| Premises and equipment expense | $412,000 | 4,423 |
| Additional noninterest expense | $364,000 | 7,583 |
| Pre-tax net operating income | $-609,000 | 9,918 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-609,000 | 9,964 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-609,000 | 9,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,123 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-609,000 | 9,946 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $359,000 | 10,291 |
| Total interest expense | $98,000 | 10,300 |
| Net interest income | $261,000 | 10,244 |
| Provision for loan and lease losses | $165,000 | 3,956 |
| Total noninterest income | $6,000 | 10,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $6,000 | 10,162 |
| Total noninterest expense | $651,000 | 9,260 |
| Salaries and employee benefits | $324,000 | 9,470 |
| Premises and equipment expense | $140,000 | 7,876 |
| Additional noninterest expense | $187,000 | 9,266 |
| Pre-tax net operating income | $-549,000 | 10,210 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-549,000 | 10,250 |
| Extraordinary gains, net | $-372,000 | 10,448 |
| Net income | $-921,000 | 10,350 |
| 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 | $8,500,000 | 124 |
| Net operating income | $-549,000 | 10,223 |
* 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.