Home > Emigrant Savings Bank - Bronx/Westchester > Income and Expense
Emigrant Savings Bank - Bronx/Westchester, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $19,977,000 | 1,004 |
| Total interest expense | $7,041,000 | 460 |
| Net interest income | $12,936,000 | 1,285 |
| Provision for loan and lease losses | $2,144,000 | 800 |
| Total noninterest income | $1,090,000 | 2,671 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $650,000 | 1,606 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $440,000 | 3,132 |
| Total noninterest expense | $13,811,000 | 1,085 |
| Salaries and employee benefits | $4,839,000 | 1,562 |
| Premises and equipment expense | $2,111,000 | 856 |
| Additional noninterest expense | $6,861,000 | 761 |
| Pre-tax net operating income | $-1,929,000 | 6,967 |
| Securities gains (losses) | $2,689,000 | 147 |
| Applicable income taxes | $174,000 | 2,954 |
| Income before extraordinary items | $586,000 | 4,418 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $586,000 | 4,417 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $586,000 | 4,416 |
| Net charge-offs | $1,855,000 | 970 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $884,000 | 179 |
| Net operating income | $-1,484,530 | 6,923 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $14,058,000 | 962 |
| Total interest expense | $4,816,000 | 466 |
| Net interest income | $9,242,000 | 1,209 |
| Provision for loan and lease losses | $1,726,000 | 723 |
| Total noninterest income | $822,000 | 2,447 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $431,000 | 1,595 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $391,000 | 2,681 |
| Total noninterest expense | $9,380,000 | 1,060 |
| Salaries and employee benefits | $3,242,000 | 1,552 |
| Premises and equipment expense | $1,302,000 | 932 |
| Additional noninterest expense | $4,836,000 | 720 |
| Pre-tax net operating income | $-1,042,000 | 6,976 |
| Securities gains (losses) | $456,000 | 602 |
| Applicable income taxes | $-367,000 | 7,117 |
| Income before extraordinary items | $-219,000 | 6,728 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-219,000 | 6,728 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-219,000 | 6,728 |
| Net charge-offs | $1,495,000 | 859 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $589,000 | 157 |
| Net operating income | $-510,840 | 6,833 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $7,345,000 | 913 |
| Total interest expense | $2,494,000 | 465 |
| Net interest income | $4,851,000 | 1,146 |
| Provision for loan and lease losses | $686,000 | 837 |
| Total noninterest income | $452,000 | 2,309 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $217,000 | 1,590 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $235,000 | 2,419 |
| Total noninterest expense | $4,631,000 | 1,077 |
| Salaries and employee benefits | $1,637,000 | 1,547 |
| Premises and equipment expense | $701,000 | 868 |
| Additional noninterest expense | $2,293,000 | 750 |
| Pre-tax net operating income | $-14,000 | 6,501 |
| Securities gains (losses) | $402,000 | 338 |
| Applicable income taxes | $118,000 | 2,285 |
| Income before extraordinary items | $270,000 | 3,824 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $270,000 | 3,827 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $270,000 | 3,827 |
| Net charge-offs | $675,000 | 898 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 135 |
| Net operating income | $-11,400 | 6,489 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $32,992,000 | 838 |
| Total interest expense | $11,251,000 | 499 |
| Net interest income | $21,741,000 | 1,009 |
| Provision for loan and lease losses | $1,482,000 | 1,905 |
| Total noninterest income | $2,039,000 | 1,975 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $907,000 | 1,606 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,132,000 | 1,981 |
| Total noninterest expense | $18,518,000 | 1,057 |
| Salaries and employee benefits | $6,481,000 | 1,523 |
| Premises and equipment expense | $2,868,000 | 881 |
| Additional noninterest expense | $9,169,000 | 783 |
| Pre-tax net operating income | $3,780,000 | 1,497 |
| Securities gains (losses) | $534,000 | 757 |
| Applicable income taxes | $1,671,000 | 914 |
| Income before extraordinary items | $2,643,000 | 1,797 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,643,000 | 1,798 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,643,000 | 1,798 |
| Net charge-offs | $1,482,000 | 1,892 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $1,179,000 | 301 |
| Net operating income | $2,301,240 | 1,920 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $25,516,000 | 831 |
| Total interest expense | $8,596,000 | 511 |
| Net interest income | $16,920,000 | 981 |
| Provision for loan and lease losses | $1,113,000 | 1,836 |
| Total noninterest income | $1,284,000 | 2,235 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $685,000 | 1,599 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $599,000 | 2,424 |
| Total noninterest expense | $13,925,000 | 1,067 |
| Salaries and employee benefits | $4,901,000 | 1,518 |
| Premises and equipment expense | $2,202,000 | 867 |
| Additional noninterest expense | $6,822,000 | 778 |
| Pre-tax net operating income | $3,166,000 | 1,425 |
| Securities gains (losses) | $226,000 | 1,125 |
| Applicable income taxes | $1,339,000 | 867 |
| Income before extraordinary items | $2,053,000 | 1,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,053,000 | 1,801 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,053,000 | 1,801 |
| Net charge-offs | $920,000 | 1,981 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $885,000 | 285 |
| Net operating income | $1,908,360 | 1,818 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $17,553,000 | 826 |
| Total interest expense | $5,839,000 | 529 |
| Net interest income | $11,714,000 | 947 |
| Provision for loan and lease losses | $490,000 | 2,346 |
| Total noninterest income | $759,000 | 2,405 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $453,000 | 1,592 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $306,000 | 2,847 |
| Total noninterest expense | $9,454,000 | 1,062 |
| Salaries and employee benefits | $3,239,000 | 1,549 |
| Premises and equipment expense | $1,476,000 | 870 |
| Additional noninterest expense | $4,739,000 | 755 |
| Pre-tax net operating income | $2,529,000 | 1,173 |
| Securities gains (losses) | $226,000 | 673 |
| Applicable income taxes | $1,111,000 | 697 |
| Income before extraordinary items | $1,644,000 | 1,491 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,644,000 | 1,491 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,644,000 | 1,491 |
| Net charge-offs | $485,000 | 2,179 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $589,000 | 206 |
| Net operating income | $1,499,360 | 1,550 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $8,875,000 | 825 |
| Total interest expense | $2,977,000 | 542 |
| Net interest income | $5,898,000 | 939 |
| Provision for loan and lease losses | $246,000 | 2,199 |
| Total noninterest income | $402,000 | 2,338 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $229,000 | 1,549 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $173,000 | 2,680 |
| Total noninterest expense | $4,808,000 | 1,039 |
| Salaries and employee benefits | $1,606,000 | 1,563 |
| Premises and equipment expense | $751,000 | 877 |
| Additional noninterest expense | $2,451,000 | 733 |
| Pre-tax net operating income | $1,246,000 | 1,176 |
| Securities gains (losses) | $1,000 | 1,662 |
| Applicable income taxes | $499,000 | 758 |
| Income before extraordinary items | $748,000 | 1,578 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $748,000 | 1,578 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $748,000 | 1,578 |
| Net charge-offs | $170,000 | 2,243 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 176 |
| Net operating income | $747,360 | 1,534 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $32,441,000 | 946 |
| Total interest expense | $14,102,000 | 559 |
| Net interest income | $18,339,000 | 1,228 |
| Provision for loan and lease losses | $3,259,000 | 1,535 |
| Total noninterest income | $1,654,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $980,000 | 1,528 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $674,000 | 2,746 |
| Total noninterest expense | $18,677,000 | 1,068 |
| Salaries and employee benefits | $6,330,000 | 1,552 |
| Premises and equipment expense | $2,651,000 | 971 |
| Additional noninterest expense | $9,696,000 | 774 |
| Pre-tax net operating income | $-1,943,000 | 6,758 |
| Securities gains (losses) | $9,131,000 | 67 |
| Applicable income taxes | $2,964,000 | 547 |
| Income before extraordinary items | $4,224,000 | 1,023 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,224,000 | 1,025 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $4,224,000 | 1,026 |
| Net charge-offs | $2,404,000 | 1,672 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $1,178,000 | 348 |
| Net operating income | $-1,619,840 | 6,743 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $23,798,000 | 977 |
| Total interest expense | $10,887,000 | 569 |
| Net interest income | $12,911,000 | 1,315 |
| Provision for loan and lease losses | $3,338,000 | 1,180 |
| Total noninterest income | $1,213,000 | 2,403 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $738,000 | 1,570 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $475,000 | 2,838 |
| Total noninterest expense | $13,805,000 | 1,064 |
| Salaries and employee benefits | $4,719,000 | 1,560 |
| Premises and equipment expense | $1,982,000 | 981 |
| Additional noninterest expense | $7,104,000 | 765 |
| Pre-tax net operating income | $-3,019,000 | 7,200 |
| Securities gains (losses) | $9,131,000 | 59 |
| Applicable income taxes | $2,543,000 | 492 |
| Income before extraordinary items | $3,569,000 | 971 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,569,000 | 974 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $3,569,000 | 974 |
| Net charge-offs | $2,264,000 | 1,393 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $884,000 | 309 |
| Net operating income | $-2,274,840 | 7,157 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $15,422,000 | 1,028 |
| Total interest expense | $7,403,000 | 577 |
| Net interest income | $8,019,000 | 1,417 |
| Provision for loan and lease losses | $2,812,000 | 994 |
| Total noninterest income | $827,000 | 2,323 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $492,000 | 1,587 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $335,000 | 2,676 |
| Total noninterest expense | $9,296,000 | 1,060 |
| Salaries and employee benefits | $3,129,000 | 1,585 |
| Premises and equipment expense | $1,291,000 | 1,036 |
| Additional noninterest expense | $4,876,000 | 742 |
| Pre-tax net operating income | $-3,262,000 | 7,415 |
| Securities gains (losses) | $29,000 | 2,194 |
| Applicable income taxes | $-1,518,000 | 7,663 |
| Income before extraordinary items | $-1,715,000 | 7,293 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,715,000 | 7,292 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,715,000 | 7,293 |
| Net charge-offs | $1,981,000 | 1,126 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $590,000 | 247 |
| Net operating income | $-1,733,560 | 7,283 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,239,000 | 1,118 |
| Total interest expense | $3,796,000 | 592 |
| Net interest income | $3,443,000 | 1,646 |
| Provision for loan and lease losses | $312,000 | 2,336 |
| Total noninterest income | $430,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $248,000 | 1,576 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $182,000 | 2,530 |
| Total noninterest expense | $4,352,000 | 1,154 |
| Salaries and employee benefits | $1,544,000 | 1,627 |
| Premises and equipment expense | $630,000 | 1,082 |
| Additional noninterest expense | $2,178,000 | 824 |
| Pre-tax net operating income | $-791,000 | 7,341 |
| Securities gains (losses) | $29,000 | 1,375 |
| Applicable income taxes | $-502,000 | 7,709 |
| Income before extraordinary items | $-260,000 | 7,025 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-260,000 | 7,026 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-260,000 | 7,025 |
| Net charge-offs | $267,000 | 2,154 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 195 |
| Net operating income | $-278,560 | 7,009 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $33,781,000 | 1,007 |
| Total interest expense | $16,676,000 | 689 |
| Net interest income | $17,105,000 | 1,307 |
| Provision for loan and lease losses | $2,080,000 | 2,431 |
| Total noninterest income | $1,745,000 | 2,329 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,033,000 | 1,634 |
| Trading account gains and fees | $-6,000 | 7,955 |
| Additional Noninterest Income | $718,000 | 2,616 |
| Total noninterest expense | $19,651,000 | 1,065 |
| Salaries and employee benefits | $7,005,000 | 1,445 |
| Premises and equipment expense | $2,498,000 | 1,095 |
| Additional noninterest expense | $10,148,000 | 778 |
| Pre-tax net operating income | $-2,881,000 | 6,868 |
| Securities gains (losses) | $-21,586,000 | 7,969 |
| Applicable income taxes | $-5,224,000 | 7,765 |
| Income before extraordinary items | $-19,243,000 | 7,730 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-19,243,000 | 7,728 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-19,243,000 | 7,728 |
| Net charge-offs | $907,000 | 2,981 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $1,179,000 | 407 |
| Net operating income | $-2,190,060 | 6,801 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $26,386,000 | 977 |
| Total interest expense | $12,690,000 | 723 |
| Net interest income | $13,696,000 | 1,229 |
| Provision for loan and lease losses | $1,821,000 | 2,024 |
| Total noninterest income | $1,315,000 | 2,372 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $776,000 | 1,636 |
| Trading account gains and fees | $-6,000 | 8,047 |
| Additional Noninterest Income | $545,000 | 2,678 |
| Total noninterest expense | $14,845,000 | 1,033 |
| Salaries and employee benefits | $5,472,000 | 1,393 |
| Premises and equipment expense | $1,902,000 | 1,090 |
| Additional noninterest expense | $7,471,000 | 768 |
| Pre-tax net operating income | $-1,655,000 | 6,930 |
| Securities gains (losses) | $-18,831,000 | 8,061 |
| Applicable income taxes | $-4,017,000 | 7,868 |
| Income before extraordinary items | $-16,469,000 | 7,869 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-16,469,000 | 7,869 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-16,469,000 | 7,869 |
| Net charge-offs | $613,000 | 2,782 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $885,000 | 368 |
| Net operating income | $-1,404,200 | 6,943 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $18,461,000 | 950 |
| Total interest expense | $8,556,000 | 752 |
| Net interest income | $9,905,000 | 1,112 |
| Provision for loan and lease losses | $100,000 | 5,300 |
| Total noninterest income | $896,000 | 2,348 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $513,000 | 1,613 |
| Trading account gains and fees | $-47,000 | 8,153 |
| Additional Noninterest Income | $430,000 | 2,440 |
| Total noninterest expense | $9,897,000 | 1,059 |
| Salaries and employee benefits | $3,716,000 | 1,401 |
| Premises and equipment expense | $1,259,000 | 1,118 |
| Additional noninterest expense | $4,922,000 | 785 |
| Pre-tax net operating income | $804,000 | 2,514 |
| Securities gains (losses) | $-14,061,000 | 8,159 |
| Applicable income taxes | $-729,000 | 7,679 |
| Income before extraordinary items | $-12,528,000 | 7,980 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-12,528,000 | 7,978 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-12,528,000 | 7,979 |
| Net charge-offs | $217,000 | 3,327 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $590,000 | 333 |
| Net operating income | $829,950 | 2,115 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,493,000 | 937 |
| Total interest expense | $4,329,000 | 773 |
| Net interest income | $5,164,000 | 1,046 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $529,000 | 2,047 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $254,000 | 1,594 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $275,000 | 2,070 |
| Total noninterest expense | $4,673,000 | 1,075 |
| Salaries and employee benefits | $1,871,000 | 1,395 |
| Premises and equipment expense | $636,000 | 1,123 |
| Additional noninterest expense | $2,166,000 | 776 |
| Pre-tax net operating income | $1,020,000 | 1,260 |
| Securities gains (losses) | $-10,193,000 | 8,223 |
| Applicable income taxes | $164,000 | 1,653 |
| Income before extraordinary items | $-9,337,000 | 8,120 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-9,337,000 | 8,120 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-9,337,000 | 8,120 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 240 |
| Net operating income | $856,000 | 1,212 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $44,125,000 | 854 |
| Total interest expense | $20,965,000 | 752 |
| Net interest income | $23,160,000 | 921 |
| Provision for loan and lease losses | $907,000 | 2,862 |
| Total noninterest income | $1,817,000 | 2,296 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,133,000 | 1,578 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $684,000 | 2,694 |
| Total noninterest expense | $18,272,000 | 1,080 |
| Salaries and employee benefits | $7,450,000 | 1,372 |
| Premises and equipment expense | $2,538,000 | 1,102 |
| Additional noninterest expense | $8,284,000 | 798 |
| Pre-tax net operating income | $5,798,000 | 965 |
| Securities gains (losses) | $-18,998,000 | 8,225 |
| Applicable income taxes | $-1,927,000 | 7,906 |
| Income before extraordinary items | $-11,273,000 | 8,017 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-11,273,000 | 8,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,751 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $1,178,000 | 404 |
| Net operating income | $4,875,300 | 902 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $32,534,000 | 894 |
| Total interest expense | $16,373,000 | 755 |
| Net interest income | $16,161,000 | 1,012 |
| Provision for loan and lease losses | $686,000 | 2,295 |
| Total noninterest income | $1,381,000 | 2,345 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $857,000 | 1,569 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $524,000 | 2,740 |
| Total noninterest expense | $13,734,000 | 1,070 |
| Salaries and employee benefits | $5,591,000 | 1,391 |
| Premises and equipment expense | $1,936,000 | 1,087 |
| Additional noninterest expense | $6,207,000 | 758 |
| Pre-tax net operating income | $3,122,000 | 1,566 |
| Securities gains (losses) | $-17,000 | 7,393 |
| Applicable income taxes | $779,000 | 1,397 |
| Income before extraordinary items | $2,326,000 | 1,563 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,326,000 | 1,562 |
| 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 | $884,000 | 318 |
| Net operating income | $2,338,750 | 1,636 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $21,141,000 | 928 |
| Total interest expense | $11,482,000 | 747 |
| Net interest income | $9,659,000 | 1,146 |
| Provision for loan and lease losses | $586,000 | 1,738 |
| Total noninterest income | $941,000 | 2,329 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $576,000 | 1,541 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $365,000 | 2,713 |
| Total noninterest expense | $9,232,000 | 1,062 |
| Salaries and employee benefits | $3,742,000 | 1,394 |
| Premises and equipment expense | $1,266,000 | 1,094 |
| Additional noninterest expense | $4,224,000 | 715 |
| Pre-tax net operating income | $782,000 | 3,471 |
| Securities gains (losses) | $-17,000 | 8,167 |
| Applicable income taxes | $-78,000 | 7,817 |
| Income before extraordinary items | $843,000 | 2,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $843,000 | 2,947 |
| 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 | $589,000 | 250 |
| Net operating income | $860,000 | 2,850 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $10,353,000 | 966 |
| Total interest expense | $5,618,000 | 808 |
| Net interest income | $4,735,000 | 1,157 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $487,000 | 2,275 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $294,000 | 1,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $193,000 | 2,630 |
| Total noninterest expense | $4,848,000 | 1,005 |
| Salaries and employee benefits | $1,888,000 | 1,389 |
| Premises and equipment expense | $676,000 | 1,030 |
| Additional noninterest expense | $2,284,000 | 643 |
| Pre-tax net operating income | $374,000 | 3,684 |
| Securities gains (losses) | $-17,000 | 8,359 |
| Applicable income taxes | $-93,000 | 8,124 |
| Income before extraordinary items | $450,000 | 2,928 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $450,000 | 2,930 |
| 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 | $294,000 | 174 |
| Net operating income | $467,000 | 2,776 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $55,851,000 | 740 |
| Total interest expense | $23,888,000 | 826 |
| Net interest income | $31,963,000 | 694 |
| Provision for loan and lease losses | $48,000 | 5,712 |
| Total noninterest income | $2,173,000 | 2,096 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,261,000 | 1,423 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $912,000 | 2,360 |
| Total noninterest expense | $17,993,000 | 1,044 |
| Salaries and employee benefits | $7,510,000 | 1,341 |
| Premises and equipment expense | $2,377,000 | 1,119 |
| Additional noninterest expense | $8,106,000 | 709 |
| Pre-tax net operating income | $16,095,000 | 555 |
| Securities gains (losses) | $1,131,000 | 160 |
| Applicable income taxes | $6,774,000 | 433 |
| Income before extraordinary items | $10,452,000 | 621 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,452,000 | 619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $-2,295,000 | 8,513 |
| Net operating income | $9,728,160 | 663 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $42,615,000 | 722 |
| Total interest expense | $17,809,000 | 839 |
| Net interest income | $24,806,000 | 675 |
| Provision for loan and lease losses | $36,000 | 5,408 |
| Total noninterest income | $1,637,000 | 2,081 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $961,000 | 1,372 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $676,000 | 2,383 |
| Total noninterest expense | $13,516,000 | 1,029 |
| Salaries and employee benefits | $5,612,000 | 1,340 |
| Premises and equipment expense | $1,803,000 | 1,101 |
| Additional noninterest expense | $6,101,000 | 689 |
| Pre-tax net operating income | $12,891,000 | 565 |
| Securities gains (losses) | $1,131,000 | 143 |
| Applicable income taxes | $5,741,000 | 435 |
| Income before extraordinary items | $8,281,000 | 637 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,281,000 | 635 |
| 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 | $-2,590,000 | 8,545 |
| Net operating income | $7,557,160 | 688 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $28,498,000 | 730 |
| Total interest expense | $11,779,000 | 839 |
| Net interest income | $16,719,000 | 682 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $1,104,000 | 2,081 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $641,000 | 1,377 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $463,000 | 2,366 |
| Total noninterest expense | $9,051,000 | 1,045 |
| Salaries and employee benefits | $3,758,000 | 1,353 |
| Premises and equipment expense | $1,219,000 | 1,097 |
| Additional noninterest expense | $4,074,000 | 698 |
| Pre-tax net operating income | $8,748,000 | 579 |
| Securities gains (losses) | $1,131,000 | 104 |
| Applicable income taxes | $4,090,000 | 447 |
| Income before extraordinary items | $5,789,000 | 639 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,789,000 | 638 |
| 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 | $-2,885,000 | 8,605 |
| Net operating income | $5,065,160 | 713 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,296,000 | 727 |
| Total interest expense | $5,845,000 | 836 |
| Net interest income | $8,451,000 | 663 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $558,000 | 2,060 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $325,000 | 1,325 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $233,000 | 2,322 |
| Total noninterest expense | $4,530,000 | 1,037 |
| Salaries and employee benefits | $1,899,000 | 1,349 |
| Premises and equipment expense | $590,000 | 1,142 |
| Additional noninterest expense | $2,041,000 | 684 |
| Pre-tax net operating income | $4,467,000 | 571 |
| Securities gains (losses) | $1,136,000 | 63 |
| Applicable income taxes | $2,405,000 | 396 |
| Income before extraordinary items | $3,198,000 | 582 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,198,000 | 582 |
| 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 | $-3,179,000 | 8,641 |
| Net operating income | $2,470,960 | 725 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $54,843,000 | 706 |
| Total interest expense | $22,193,000 | 754 |
| Net interest income | $32,650,000 | 676 |
| Provision for loan and lease losses | $41,000 | 5,792 |
| Total noninterest income | $2,418,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,421,000 | 1,256 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $997,000 | 2,231 |
| Total noninterest expense | $18,604,000 | 961 |
| Salaries and employee benefits | $6,627,000 | 1,495 |
| Premises and equipment expense | $2,731,000 | 916 |
| Additional noninterest expense | $9,246,000 | 604 |
| Pre-tax net operating income | $16,423,000 | 638 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $6,758,000 | 514 |
| Income before extraordinary items | $9,666,000 | 766 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,666,000 | 765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,166,000 | 329 |
| Net operating income | $9,665,360 | 755 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $40,952,000 | 709 |
| Total interest expense | $16,199,000 | 762 |
| Net interest income | $24,753,000 | 688 |
| Provision for loan and lease losses | $40,000 | 5,377 |
| Total noninterest income | $1,815,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,083,000 | 1,236 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $732,000 | 2,269 |
| Total noninterest expense | $13,687,000 | 981 |
| Salaries and employee benefits | $4,668,000 | 1,599 |
| Premises and equipment expense | $2,120,000 | 896 |
| Additional noninterest expense | $6,899,000 | 612 |
| Pre-tax net operating income | $12,841,000 | 637 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $5,306,000 | 515 |
| Income before extraordinary items | $7,535,000 | 779 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,535,000 | 778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,535,000 | 769 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $26,479,000 | 714 |
| Total interest expense | $10,555,000 | 747 |
| Net interest income | $15,924,000 | 710 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $1,225,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $726,000 | 1,225 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $499,000 | 2,213 |
| Total noninterest expense | $9,351,000 | 959 |
| Salaries and employee benefits | $3,118,000 | 1,591 |
| Premises and equipment expense | $1,580,000 | 815 |
| Additional noninterest expense | $4,653,000 | 610 |
| Pre-tax net operating income | $7,768,000 | 695 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,189,000 | 567 |
| Income before extraordinary items | $4,579,000 | 850 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,579,000 | 850 |
| 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 | $0 | 887 |
| Net operating income | $4,579,000 | 834 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,832,000 | 720 |
| Total interest expense | $5,134,000 | 720 |
| Net interest income | $7,698,000 | 729 |
| Provision for loan and lease losses | $22,000 | 4,442 |
| Total noninterest income | $618,000 | 1,888 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $368,000 | 1,176 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $250,000 | 2,195 |
| Total noninterest expense | $4,811,000 | 932 |
| Salaries and employee benefits | $1,578,000 | 1,578 |
| Premises and equipment expense | $897,000 | 728 |
| Additional noninterest expense | $2,336,000 | 595 |
| Pre-tax net operating income | $3,483,000 | 759 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,424,000 | 609 |
| Income before extraordinary items | $2,059,000 | 920 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,059,000 | 919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,059,000 | 900 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,495,000 | 2,143 |
| Total interest expense | $6,717,000 | 1,688 |
| Net interest income | $8,778,000 | 2,482 |
| Provision for loan and lease losses | $3,000 | 7,042 |
| Total noninterest income | $869,000 | 3,865 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $525,000 | 2,949 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $344,000 | 4,059 |
| Total noninterest expense | $6,210,000 | 2,663 |
| Salaries and employee benefits | $2,300,000 | 3,721 |
| Premises and equipment expense | $869,000 | 2,675 |
| Additional noninterest expense | $3,041,000 | 1,657 |
| Pre-tax net operating income | $3,434,000 | 2,489 |
| Securities gains (losses) | $104,000 | 690 |
| Applicable income taxes | $1,436,000 | 1,757 |
| Income before extraordinary items | $2,102,000 | 2,971 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,102,000 | 2,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $65,000,000 | 18 |
| Net operating income | $2,035,440 | 3,021 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,066,000 | 4,860 |
| Total interest expense | $1,602,000 | 4,114 |
| Net interest income | $2,464,000 | 5,216 |
| Provision for loan and lease losses | $229,000 | 2,683 |
| Total noninterest income | $203,000 | 6,563 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $138,000 | 5,248 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $65,000 | 6,628 |
| Total noninterest expense | $1,617,000 | 5,822 |
| Salaries and employee benefits | $592,000 | 6,966 |
| Premises and equipment expense | $225,000 | 5,737 |
| Additional noninterest expense | $800,000 | 4,182 |
| Pre-tax net operating income | $821,000 | 5,272 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $355,000 | 3,513 |
| Income before extraordinary items | $466,000 | 6,050 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $466,000 | 6,055 |
| 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 | $65,000,000 | 12 |
| Net operating income | $466,000 | 6,016 |
* 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.