Home > Emerald Bank > Income and Expense
Emerald Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 4,800 |
| Total interest expense | $491,000 | 4,499 |
| Net interest income | $3,228,000 | 4,776 |
| Provision for loan and lease losses | $150,000 | 3,263 |
| Total noninterest income | $62,000 | 6,419 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $66,000 | 5,731 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-4,000 | 6,482 |
| Total noninterest expense | $2,268,000 | 5,246 |
| Salaries and employee benefits | $992,000 | 5,548 |
| Premises and equipment expense | $283,000 | 4,964 |
| Additional noninterest expense | $993,000 | 4,590 |
| Pre-tax net operating income | $872,000 | 4,283 |
| Securities gains (losses) | $1,000 | 3,056 |
| Applicable income taxes | $275,000 | 2,701 |
| Income before extraordinary items | $598,000 | 4,669 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $598,000 | 4,673 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $598,000 | 4,673 |
| Net charge-offs | $246,000 | 2,781 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $597,320 | 4,606 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,760,000 | 4,874 |
| Total interest expense | $383,000 | 4,505 |
| Net interest income | $2,377,000 | 4,846 |
| Provision for loan and lease losses | $50,000 | 3,936 |
| Total noninterest income | $42,000 | 6,538 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $54,000 | 5,698 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-12,000 | 6,631 |
| Total noninterest expense | $1,667,000 | 5,298 |
| Salaries and employee benefits | $733,000 | 5,595 |
| Premises and equipment expense | $209,000 | 5,041 |
| Additional noninterest expense | $725,000 | 4,685 |
| Pre-tax net operating income | $702,000 | 4,269 |
| Securities gains (losses) | $1,000 | 2,916 |
| Applicable income taxes | $234,000 | 2,640 |
| Income before extraordinary items | $469,000 | 4,684 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $469,000 | 4,686 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $469,000 | 4,687 |
| Net charge-offs | $178,000 | 2,695 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $468,330 | 4,608 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,802,000 | 4,937 |
| Total interest expense | $267,000 | 4,468 |
| Net interest income | $1,535,000 | 4,923 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $19,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $35,000 | 5,735 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-16,000 | 6,703 |
| Total noninterest expense | $1,112,000 | 5,322 |
| Salaries and employee benefits | $489,000 | 5,630 |
| Premises and equipment expense | $139,000 | 5,053 |
| Additional noninterest expense | $484,000 | 4,698 |
| Pre-tax net operating income | $442,000 | 4,327 |
| Securities gains (losses) | $1,000 | 2,688 |
| Applicable income taxes | $150,000 | 2,690 |
| Income before extraordinary items | $293,000 | 4,790 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $293,000 | 4,793 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $293,000 | 4,794 |
| Net charge-offs | $179,000 | 2,206 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $292,340 | 4,675 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $893,000 | 4,981 |
| Total interest expense | $143,000 | 4,410 |
| Net interest income | $750,000 | 5,001 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $17,000 | 6,554 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $13,000 | 6,030 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,000 | 6,468 |
| Total noninterest expense | $594,000 | 5,222 |
| Salaries and employee benefits | $269,000 | 5,507 |
| Premises and equipment expense | $71,000 | 5,034 |
| Additional noninterest expense | $254,000 | 4,602 |
| Pre-tax net operating income | $173,000 | 4,676 |
| Securities gains (losses) | $1,000 | 1,864 |
| Applicable income taxes | $62,000 | 2,839 |
| Income before extraordinary items | $112,000 | 5,113 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $112,000 | 5,115 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $112,000 | 5,115 |
| Net charge-offs | $28,000 | 2,842 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $111,360 | 5,015 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,478,000 | 5,179 |
| Total interest expense | $711,000 | 4,369 |
| Net interest income | $2,767,000 | 5,283 |
| Provision for loan and lease losses | $550,000 | 2,586 |
| Total noninterest income | $179,000 | 5,817 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $79,000 | 5,739 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $100,000 | 5,342 |
| Total noninterest expense | $2,126,000 | 5,544 |
| Salaries and employee benefits | $813,000 | 6,061 |
| Premises and equipment expense | $276,000 | 5,142 |
| Additional noninterest expense | $1,037,000 | 4,714 |
| Pre-tax net operating income | $270,000 | 5,498 |
| Securities gains (losses) | $98,000 | 2,287 |
| Applicable income taxes | $128,000 | 3,337 |
| Income before extraordinary items | $240,000 | 5,663 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $240,000 | 5,660 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $240,000 | 5,661 |
| Net charge-offs | $404,000 | 2,929 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $176,300 | 5,684 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,592,000 | 5,280 |
| Total interest expense | $552,000 | 4,419 |
| Net interest income | $2,040,000 | 5,386 |
| Provision for loan and lease losses | $325,000 | 2,856 |
| Total noninterest income | $158,000 | 5,712 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $62,000 | 5,753 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $96,000 | 5,171 |
| Total noninterest expense | $1,574,000 | 5,606 |
| Salaries and employee benefits | $625,000 | 6,055 |
| Premises and equipment expense | $212,000 | 5,155 |
| Additional noninterest expense | $737,000 | 4,878 |
| Pre-tax net operating income | $299,000 | 5,311 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $102,000 | 3,359 |
| Income before extraordinary items | $197,000 | 5,738 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $197,000 | 5,737 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $197,000 | 5,737 |
| Net charge-offs | $270,000 | 2,965 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $197,000 | 5,555 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,665,000 | 5,407 |
| Total interest expense | $372,000 | 4,494 |
| Net interest income | $1,293,000 | 5,522 |
| Provision for loan and lease losses | $250,000 | 2,658 |
| Total noninterest income | $133,000 | 5,470 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $41,000 | 5,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $92,000 | 4,764 |
| Total noninterest expense | $1,055,000 | 5,631 |
| Salaries and employee benefits | $410,000 | 6,134 |
| Premises and equipment expense | $140,000 | 5,184 |
| Additional noninterest expense | $505,000 | 4,837 |
| Pre-tax net operating income | $121,000 | 5,755 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $42,000 | 3,653 |
| Income before extraordinary items | $79,000 | 6,066 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $79,000 | 6,066 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $79,000 | 6,066 |
| Net charge-offs | $55,000 | 3,951 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $79,000 | 5,916 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $819,000 | 5,490 |
| Total interest expense | $190,000 | 4,556 |
| Net interest income | $629,000 | 5,594 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $107,000 | 4,836 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $19,000 | 5,880 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $88,000 | 3,889 |
| Total noninterest expense | $555,000 | 5,557 |
| Salaries and employee benefits | $219,000 | 6,066 |
| Premises and equipment expense | $71,000 | 5,195 |
| Additional noninterest expense | $265,000 | 4,721 |
| Pre-tax net operating income | $31,000 | 6,116 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $10,000 | 3,991 |
| Income before extraordinary items | $21,000 | 6,315 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $21,000 | 6,314 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $21,000 | 6,315 |
| Net charge-offs | $55,000 | 2,951 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $21,000 | 6,184 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 5,534 |
| Total interest expense | $857,000 | 4,769 |
| Net interest income | $2,504,000 | 5,643 |
| Provision for loan and lease losses | $1,030,000 | 2,375 |
| Total noninterest income | $64,000 | 6,700 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $45,000 | 6,405 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $19,000 | 6,398 |
| Total noninterest expense | $2,121,000 | 5,708 |
| Salaries and employee benefits | $733,000 | 6,419 |
| Premises and equipment expense | $292,000 | 5,290 |
| Additional noninterest expense | $1,096,000 | 4,698 |
| Pre-tax net operating income | $-583,000 | 6,445 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-198,000 | 6,919 |
| Income before extraordinary items | $-385,000 | 6,426 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-385,000 | 6,428 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-385,000 | 6,427 |
| Net charge-offs | $1,054,000 | 2,300 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-385,000 | 6,380 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,552,000 | 5,565 |
| Total interest expense | $664,000 | 4,820 |
| Net interest income | $1,888,000 | 5,675 |
| Provision for loan and lease losses | $880,000 | 2,142 |
| Total noninterest income | $43,000 | 6,843 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $28,000 | 6,561 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $15,000 | 6,512 |
| Total noninterest expense | $1,526,000 | 5,815 |
| Salaries and employee benefits | $553,000 | 6,422 |
| Premises and equipment expense | $225,000 | 5,277 |
| Additional noninterest expense | $748,000 | 4,942 |
| Pre-tax net operating income | $-475,000 | 6,588 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-162,000 | 7,064 |
| Income before extraordinary items | $-313,000 | 6,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-313,000 | 6,586 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-313,000 | 6,586 |
| Net charge-offs | $89,000 | 4,541 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-313,000 | 6,533 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,714,000 | 5,597 |
| Total interest expense | $466,000 | 4,798 |
| Net interest income | $1,248,000 | 5,722 |
| Provision for loan and lease losses | $410,000 | 2,562 |
| Total noninterest income | $27,000 | 6,944 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $17,000 | 6,640 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 6,590 |
| Total noninterest expense | $992,000 | 5,929 |
| Salaries and employee benefits | $352,000 | 6,549 |
| Premises and equipment expense | $150,000 | 5,318 |
| Additional noninterest expense | $490,000 | 5,047 |
| Pre-tax net operating income | $-127,000 | 6,469 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-42,000 | 7,012 |
| Income before extraordinary items | $-85,000 | 6,486 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-85,000 | 6,486 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-85,000 | 6,486 |
| Net charge-offs | $26,000 | 4,913 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-85,000 | 6,440 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $863,000 | 5,610 |
| Total interest expense | $245,000 | 4,799 |
| Net interest income | $618,000 | 5,752 |
| Provision for loan and lease losses | $190,000 | 2,505 |
| Total noninterest income | $14,000 | 7,002 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $9,000 | 6,596 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 6,705 |
| Total noninterest expense | $428,000 | 6,225 |
| Salaries and employee benefits | $142,000 | 6,907 |
| Premises and equipment expense | $77,000 | 5,307 |
| Additional noninterest expense | $209,000 | 5,424 |
| Pre-tax net operating income | $14,000 | 6,170 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $5,000 | 4,051 |
| Income before extraordinary items | $9,000 | 6,272 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $9,000 | 6,271 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $9,000 | 6,272 |
| Net charge-offs | $29,000 | 3,798 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $9,000 | 6,236 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,582,000 | 5,666 |
| Total interest expense | $1,190,000 | 4,842 |
| Net interest income | $2,392,000 | 5,854 |
| Provision for loan and lease losses | $920,000 | 3,182 |
| Total noninterest income | $39,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $37,000 | 6,429 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,000 | 6,927 |
| Total noninterest expense | $1,932,000 | 6,070 |
| Salaries and employee benefits | $715,000 | 6,647 |
| Premises and equipment expense | $296,000 | 5,442 |
| Additional noninterest expense | $921,000 | 5,300 |
| Pre-tax net operating income | $-421,000 | 6,210 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-129,000 | 6,878 |
| Income before extraordinary items | $-292,000 | 6,233 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-292,000 | 6,234 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-292,000 | 6,234 |
| Net charge-offs | $531,000 | 3,575 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-292,000 | 6,183 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 5,760 |
| Total interest expense | $903,000 | 4,973 |
| Net interest income | $1,789,000 | 5,954 |
| Provision for loan and lease losses | $710,000 | 3,014 |
| Total noninterest income | $25,000 | 7,289 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $28,000 | 6,510 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-3,000 | 7,194 |
| Total noninterest expense | $1,536,000 | 6,002 |
| Salaries and employee benefits | $603,000 | 6,487 |
| Premises and equipment expense | $223,000 | 5,494 |
| Additional noninterest expense | $710,000 | 5,229 |
| Pre-tax net operating income | $-432,000 | 6,505 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-146,000 | 7,143 |
| Income before extraordinary items | $-286,000 | 6,516 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-286,000 | 6,517 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-286,000 | 6,516 |
| Net charge-offs | $315,000 | 3,664 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-286,000 | 6,436 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 5,796 |
| Total interest expense | $612,000 | 5,028 |
| Net interest income | $1,186,000 | 5,978 |
| Provision for loan and lease losses | $240,000 | 3,941 |
| Total noninterest income | $15,000 | 7,381 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $19,000 | 6,531 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-4,000 | 7,314 |
| Total noninterest expense | $1,050,000 | 5,975 |
| Salaries and employee benefits | $412,000 | 6,485 |
| Premises and equipment expense | $151,000 | 5,496 |
| Additional noninterest expense | $487,000 | 5,153 |
| Pre-tax net operating income | $-89,000 | 6,255 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-31,000 | 7,013 |
| Income before extraordinary items | $-58,000 | 6,335 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-58,000 | 6,337 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-58,000 | 6,335 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-58,000 | 6,239 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 5,912 |
| Total interest expense | $308,000 | 5,143 |
| Net interest income | $576,000 | 6,098 |
| Provision for loan and lease losses | $120,000 | 3,696 |
| Total noninterest income | $13,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $9,000 | 6,608 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,000 | 7,081 |
| Total noninterest expense | $530,000 | 6,044 |
| Salaries and employee benefits | $188,000 | 6,739 |
| Premises and equipment expense | $78,000 | 5,503 |
| Additional noninterest expense | $264,000 | 4,959 |
| Pre-tax net operating income | $-61,000 | 6,540 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-21,000 | 7,203 |
| Income before extraordinary items | $-40,000 | 6,574 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-40,000 | 6,576 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-40,000 | 6,575 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-40,000 | 6,497 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 6,183 |
| Total interest expense | $1,452,000 | 5,232 |
| Net interest income | $1,798,000 | 6,569 |
| Provision for loan and lease losses | $1,598,000 | 2,796 |
| Total noninterest income | $48,000 | 7,418 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $35,000 | 6,714 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $13,000 | 7,117 |
| Total noninterest expense | $2,258,000 | 5,938 |
| Salaries and employee benefits | $809,000 | 6,683 |
| Premises and equipment expense | $319,000 | 5,508 |
| Additional noninterest expense | $1,130,000 | 4,894 |
| Pre-tax net operating income | $-2,010,000 | 6,633 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-685,000 | 7,146 |
| Income before extraordinary items | $-1,325,000 | 6,506 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,325,000 | 6,506 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,325,000 | 6,506 |
| Net charge-offs | $579,000 | 3,609 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,325,000 | 6,503 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,369,000 | 6,319 |
| Total interest expense | $1,124,000 | 5,291 |
| Net interest income | $1,245,000 | 6,761 |
| Provision for loan and lease losses | $1,290,000 | 2,425 |
| Total noninterest income | $34,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $25,000 | 6,783 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $9,000 | 7,300 |
| Total noninterest expense | $1,708,000 | 5,938 |
| Salaries and employee benefits | $609,000 | 6,696 |
| Premises and equipment expense | $234,000 | 5,615 |
| Additional noninterest expense | $865,000 | 4,833 |
| Pre-tax net operating income | $-1,719,000 | 6,953 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-583,000 | 7,383 |
| Income before extraordinary items | $-1,136,000 | 6,816 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,136,000 | 6,816 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,136,000 | 6,817 |
| Net charge-offs | $573,000 | 2,856 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,136,000 | 6,809 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 6,413 |
| Total interest expense | $790,000 | 5,311 |
| Net interest income | $761,000 | 6,953 |
| Provision for loan and lease losses | $124,000 | 5,028 |
| Total noninterest income | $22,000 | 7,643 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $16,000 | 6,843 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,000 | 7,431 |
| Total noninterest expense | $1,073,000 | 6,127 |
| Salaries and employee benefits | $428,000 | 6,676 |
| Premises and equipment expense | $158,000 | 5,625 |
| Additional noninterest expense | $487,000 | 5,312 |
| Pre-tax net operating income | $-414,000 | 6,561 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-140,000 | 7,227 |
| Income before extraordinary items | $-274,000 | 6,509 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-274,000 | 6,508 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-274,000 | 6,508 |
| Net charge-offs | $70,000 | 4,606 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-274,000 | 6,490 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $840,000 | 6,284 |
| Total interest expense | $412,000 | 5,316 |
| Net interest income | $428,000 | 6,739 |
| Provision for loan and lease losses | $24,000 | 5,765 |
| Total noninterest income | $11,000 | 7,734 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $7,000 | 6,895 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $4,000 | 7,406 |
| Total noninterest expense | $508,000 | 6,234 |
| Salaries and employee benefits | $188,000 | 6,976 |
| Premises and equipment expense | $79,000 | 5,681 |
| Additional noninterest expense | $241,000 | 5,051 |
| Pre-tax net operating income | $-93,000 | 6,630 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-27,000 | 7,317 |
| Income before extraordinary items | $-66,000 | 6,716 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-66,000 | 6,717 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-66,000 | 6,717 |
| Net charge-offs | $63,000 | 3,324 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-66,000 | 6,613 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,500,000 | 6,312 |
| Total interest expense | $1,687,000 | 5,717 |
| Net interest income | $1,813,000 | 6,626 |
| Provision for loan and lease losses | $243,000 | 4,954 |
| Total noninterest income | $56,000 | 7,698 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $49,000 | 6,646 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $7,000 | 7,758 |
| Total noninterest expense | $1,583,000 | 6,769 |
| Salaries and employee benefits | $520,000 | 7,609 |
| Premises and equipment expense | $207,000 | 6,622 |
| Additional noninterest expense | $856,000 | 5,288 |
| Pre-tax net operating income | $43,000 | 6,181 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $14,000 | 4,427 |
| Income before extraordinary items | $29,000 | 6,109 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $29,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $29,000 | 6,256 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,626,000 | 6,379 |
| Total interest expense | $1,254,000 | 5,854 |
| Net interest income | $1,372,000 | 6,671 |
| Provision for loan and lease losses | $177,000 | 4,409 |
| Total noninterest income | $50,000 | 7,750 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $44,000 | 6,559 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,000 | 7,909 |
| Total noninterest expense | $1,111,000 | 6,893 |
| Salaries and employee benefits | $346,000 | 7,785 |
| Premises and equipment expense | $184,000 | 6,306 |
| Additional noninterest expense | $581,000 | 5,514 |
| Pre-tax net operating income | $134,000 | 6,276 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $41,000 | 4,235 |
| Income before extraordinary items | $93,000 | 6,217 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $93,000 | 6,216 |
| 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 | $0 | 1,238 |
| Net operating income | $93,000 | 6,372 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,758,000 | 6,444 |
| Total interest expense | $862,000 | 5,930 |
| Net interest income | $896,000 | 6,729 |
| Provision for loan and lease losses | $50,000 | 5,164 |
| Total noninterest income | $35,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $30,000 | 6,564 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $5,000 | 7,937 |
| Total noninterest expense | $732,000 | 6,978 |
| Salaries and employee benefits | $219,000 | 7,910 |
| Premises and equipment expense | $123,000 | 6,335 |
| Additional noninterest expense | $390,000 | 5,488 |
| Pre-tax net operating income | $149,000 | 6,121 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $50,000 | 4,059 |
| Income before extraordinary items | $99,000 | 6,359 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,359 |
| 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 | $0 | 1,136 |
| Net operating income | $99,000 | 6,290 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 6,450 |
| Total interest expense | $478,000 | 5,870 |
| Net interest income | $427,000 | 6,879 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $22,000 | 7,623 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $19,000 | 6,289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $343,000 | 7,133 |
| Salaries and employee benefits | $100,000 | 8,029 |
| Premises and equipment expense | $61,000 | 6,379 |
| Additional noninterest expense | $182,000 | 5,647 |
| Pre-tax net operating income | $91,000 | 6,106 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $31,000 | 4,027 |
| Income before extraordinary items | $60,000 | 6,422 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $60,000 | 6,423 |
| 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 | $0 | 1,000 |
| Net operating income | $60,000 | 6,325 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 7,299 |
| Total interest expense | $1,383,000 | 6,592 |
| Net interest income | $984,000 | 7,760 |
| Provision for loan and lease losses | $49,000 | 5,703 |
| Total noninterest income | $57,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $51,000 | 6,736 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $6,000 | 8,155 |
| Total noninterest expense | $937,000 | 7,735 |
| Salaries and employee benefits | $330,000 | 8,209 |
| Premises and equipment expense | $169,000 | 7,052 |
| Additional noninterest expense | $438,000 | 6,882 |
| Pre-tax net operating income | $55,000 | 7,279 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $22,000 | 5,376 |
| Income before extraordinary items | $33,000 | 7,389 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $33,000 | 7,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,952 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,257 |
| Net operating income | $33,000 | 7,359 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,509,000 | 7,593 |
| Total interest expense | $895,000 | 6,908 |
| Net interest income | $614,000 | 8,019 |
| Provision for loan and lease losses | $24,000 | 5,728 |
| Total noninterest income | $28,000 | 8,174 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $25,000 | 7,006 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,000 | 8,269 |
| Total noninterest expense | $570,000 | 7,981 |
| Salaries and employee benefits | $197,000 | 8,333 |
| Premises and equipment expense | $106,000 | 7,322 |
| Additional noninterest expense | $267,000 | 7,258 |
| Pre-tax net operating income | $48,000 | 7,501 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $16,000 | 5,578 |
| Income before extraordinary items | $32,000 | 7,562 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $32,000 | 7,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,090 |
| Net operating income | $32,000 | 7,548 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $645,000 | 8,153 |
| Total interest expense | $379,000 | 7,640 |
| Net interest income | $266,000 | 8,379 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $5,000 | 8,427 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,000 | 7,446 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $204,000 | 8,466 |
| Salaries and employee benefits | $85,000 | 8,524 |
| Premises and equipment expense | $46,000 | 7,866 |
| Additional noninterest expense | $73,000 | 8,315 |
| Pre-tax net operating income | $43,000 | 7,560 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $43,000 | 7,534 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $43,000 | 7,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 989 |
| Net operating income | $43,000 | 7,517 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $706,000 | 7,072 |
| Total interest expense | $426,000 | 6,246 |
| Net interest income | $280,000 | 7,746 |
| Provision for loan and lease losses | $46,000 | 3,181 |
| Total noninterest income | $22,000 | 7,786 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $521,000 | 6,177 |
| Salaries and employee benefits | $215,000 | 6,866 |
| Premises and equipment expense | $57,000 | 6,519 |
| Additional noninterest expense | $249,000 | 4,551 |
| Pre-tax net operating income | $-265,000 | 8,375 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-265,000 | 8,399 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-265,000 | 8,397 |
| 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 | $7,000 | 794 |
| Net operating income | $-265,000 | 8,388 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,858,000 | 7,655 |
| Total interest expense | $1,118,000 | 6,717 |
| Net interest income | $740,000 | 8,156 |
| Provision for loan and lease losses | $173,000 | 3,837 |
| Total noninterest income | $39,000 | 8,297 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $9,000 | 7,440 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $30,000 | 7,694 |
| Total noninterest expense | $1,281,000 | 7,260 |
| Salaries and employee benefits | $597,000 | 7,605 |
| Premises and equipment expense | $225,000 | 6,465 |
| Additional noninterest expense | $459,000 | 6,735 |
| Pre-tax net operating income | $-675,000 | 8,333 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-675,000 | 8,364 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-675,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,270 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,076 |
| Net operating income | $-675,000 | 8,358 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,222,000 | 7,883 |
| Total interest expense | $708,000 | 7,040 |
| Net interest income | $514,000 | 8,295 |
| Provision for loan and lease losses | $74,000 | 4,609 |
| Total noninterest income | $25,000 | 8,416 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $5,000 | 7,546 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,827 |
| Total noninterest expense | $895,000 | 7,397 |
| Salaries and employee benefits | $429,000 | 7,664 |
| Premises and equipment expense | $169,000 | 6,486 |
| Additional noninterest expense | $297,000 | 7,106 |
| Pre-tax net operating income | $-430,000 | 8,407 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-430,000 | 8,436 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-430,000 | 8,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,490 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 906 |
| Net operating income | $-430,000 | 8,426 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $700,000 | 8,097 |
| Total interest expense | $376,000 | 7,373 |
| Net interest income | $324,000 | 8,402 |
| Provision for loan and lease losses | $35,000 | 4,878 |
| Total noninterest income | $19,000 | 8,429 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,752 |
| Total noninterest expense | $600,000 | 7,424 |
| Salaries and employee benefits | $290,000 | 7,691 |
| Premises and equipment expense | $113,000 | 6,491 |
| Additional noninterest expense | $197,000 | 7,127 |
| Pre-tax net operating income | $-292,000 | 8,466 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-292,000 | 8,491 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-292,000 | 8,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 782 |
| Net operating income | $-292,000 | 8,486 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $328,000 | 8,174 |
| Total interest expense | $169,000 | 7,508 |
| Net interest income | $159,000 | 8,438 |
| Provision for loan and lease losses | $17,000 | 4,701 |
| Total noninterest income | $14,000 | 8,305 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,271 |
| Total noninterest expense | $303,000 | 7,414 |
| Salaries and employee benefits | $148,000 | 7,663 |
| Premises and equipment expense | $57,000 | 6,485 |
| Additional noninterest expense | $98,000 | 7,124 |
| Pre-tax net operating income | $-147,000 | 8,497 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-147,000 | 8,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-147,000 | 8,511 |
| 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 | $6,000 | 587 |
| Net operating income | $-147,000 | 8,500 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $690,000 | 8,540 |
| Total interest expense | $273,000 | 8,255 |
| Net interest income | $417,000 | 8,590 |
| Provision for loan and lease losses | $157,000 | 4,048 |
| Total noninterest income | $21,000 | 8,598 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $8,000 | 7,619 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,328 |
| Total noninterest expense | $1,063,000 | 7,638 |
| Salaries and employee benefits | $501,000 | 7,898 |
| Premises and equipment expense | $201,000 | 6,715 |
| Additional noninterest expense | $361,000 | 7,305 |
| Pre-tax net operating income | $-782,000 | 8,583 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-782,000 | 8,618 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-782,000 | 8,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-782,000 | 8,598 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $433,000 | 8,644 |
| Total interest expense | $160,000 | 8,425 |
| Net interest income | $273,000 | 8,685 |
| Provision for loan and lease losses | $123,000 | 3,842 |
| Total noninterest income | $16,000 | 8,654 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,407 |
| Total noninterest expense | $774,000 | 7,676 |
| Salaries and employee benefits | $359,000 | 7,947 |
| Premises and equipment expense | $150,000 | 6,713 |
| Additional noninterest expense | $265,000 | 7,348 |
| Pre-tax net operating income | $-608,000 | 8,636 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-608,000 | 8,677 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-608,000 | 8,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-608,000 | 8,654 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $233,000 | 8,716 |
| Total interest expense | $79,000 | 8,566 |
| Net interest income | $154,000 | 8,750 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $12,000 | 8,636 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $5,000 | 7,657 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $508,000 | 7,702 |
| Salaries and employee benefits | $235,000 | 7,986 |
| Premises and equipment expense | $101,000 | 6,676 |
| Additional noninterest expense | $172,000 | 7,377 |
| Pre-tax net operating income | $-402,000 | 8,641 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-402,000 | 8,685 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-402,000 | 8,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-402,000 | 8,658 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $91,000 | 8,838 |
| Total interest expense | $28,000 | 8,720 |
| Net interest income | $63,000 | 8,843 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $7,000 | 8,687 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $252,000 | 7,782 |
| Salaries and employee benefits | $115,000 | 8,089 |
| Premises and equipment expense | $51,000 | 6,715 |
| Additional noninterest expense | $86,000 | 7,444 |
| Pre-tax net operating income | $-212,000 | 8,734 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-212,000 | 8,758 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-212,000 | 8,758 |
| 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 | $-212,000 | 8,741 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $123,000 | 8,912 |
| Total interest expense | $10,000 | 8,901 |
| Net interest income | $113,000 | 8,906 |
| Provision for loan and lease losses | $25,000 | 6,557 |
| Total noninterest income | $1,000 | 8,903 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,000 | 7,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $772,000 | 8,207 |
| Salaries and employee benefits | $271,000 | 8,669 |
| Premises and equipment expense | $77,000 | 8,252 |
| Additional noninterest expense | $424,000 | 6,998 |
| Pre-tax net operating income | $-683,000 | 8,721 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-683,000 | 8,771 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-683,000 | 8,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $7,327,000 | 166 |
| Net operating income | $-683,000 | 8,748 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $59,000 | 8,980 |
| Total interest expense | $3,000 | 8,988 |
| Net interest income | $56,000 | 8,973 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $1,000 | 8,971 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,000 | 7,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 8,890 |
| Total noninterest expense | $550,000 | 8,273 |
| Salaries and employee benefits | $154,000 | 8,839 |
| Premises and equipment expense | $27,000 | 8,779 |
| Additional noninterest expense | $369,000 | 6,566 |
| Pre-tax net operating income | $-508,000 | 8,773 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-508,000 | 8,815 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-508,000 | 8,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $7,327,000 | 124 |
| Net operating income | $-508,000 | 8,790 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $18,000 | 9,059 |
| Total interest expense | $0 | 9,056 |
| Net interest income | $18,000 | 9,047 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $0 | 9,031 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $345,000 | 8,402 |
| Salaries and employee benefits | $42,000 | 9,039 |
| Premises and equipment expense | $6,000 | 9,010 |
| Additional noninterest expense | $297,000 | 6,004 |
| Pre-tax net operating income | $-327,000 | 8,827 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-327,000 | 8,862 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-327,000 | 8,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $7,327,000 | 85 |
| Net operating income | $-327,000 | 8,837 |
* 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.