Home > Encore Bank > Income and Expense
Encore Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $32,466,000 | 419 |
| Total interest expense | $7,467,000 | 296 |
| Net interest income | $24,999,000 | 453 |
| Provision for loan and lease losses | $942,000 | 1,154 |
| Total noninterest income | $11,484,000 | 377 |
| Gross Fiduciary activities income | $5,154,000 | 108 |
| Service charges on deposit accounts | $661,000 | 1,064 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,669,000 | 432 |
| Total noninterest expense | $24,855,000 | 436 |
| Salaries and employee benefits | $15,637,000 | 349 |
| Premises and equipment expense | $2,290,000 | 525 |
| Additional noninterest expense | $6,928,000 | 537 |
| Pre-tax net operating income | $10,686,000 | 404 |
| Securities gains (losses) | $-1,000 | 6,818 |
| Applicable income taxes | $3,622,000 | 349 |
| Income before extraordinary items | $7,063,000 | 465 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $7,063,000 | 463 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $7,063,000 | 464 |
| Net charge-offs | $1,179,000 | 1,007 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $7,063,660 | 449 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $16,223,000 | 416 |
| Total interest expense | $3,748,000 | 305 |
| Net interest income | $12,475,000 | 454 |
| Provision for loan and lease losses | $733,000 | 798 |
| Total noninterest income | $5,783,000 | 367 |
| Gross Fiduciary activities income | $2,626,000 | 106 |
| Service charges on deposit accounts | $330,000 | 1,059 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,827,000 | 435 |
| Total noninterest expense | $12,264,000 | 431 |
| Salaries and employee benefits | $8,004,000 | 339 |
| Premises and equipment expense | $1,170,000 | 512 |
| Additional noninterest expense | $3,090,000 | 569 |
| Pre-tax net operating income | $5,261,000 | 406 |
| Securities gains (losses) | $1,000 | 2,095 |
| Applicable income taxes | $1,780,000 | 353 |
| Income before extraordinary items | $3,482,000 | 470 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,482,000 | 470 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,482,000 | 471 |
| Net charge-offs | $724,000 | 846 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $3,481,340 | 457 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $63,979,000 | 428 |
| Total interest expense | $17,005,000 | 327 |
| Net interest income | $46,974,000 | 467 |
| Provision for loan and lease losses | $7,252,000 | 574 |
| Total noninterest income | $20,347,000 | 368 |
| Gross Fiduciary activities income | $10,048,000 | 92 |
| Service charges on deposit accounts | $1,229,000 | 1,199 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $9,070,000 | 462 |
| Total noninterest expense | $49,324,000 | 427 |
| Salaries and employee benefits | $30,450,000 | 333 |
| Premises and equipment expense | $4,816,000 | 519 |
| Additional noninterest expense | $14,058,000 | 525 |
| Pre-tax net operating income | $10,745,000 | 581 |
| Securities gains (losses) | $-95,000 | 7,083 |
| Applicable income taxes | $3,394,000 | 534 |
| Income before extraordinary items | $7,256,000 | 700 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,256,000 | 700 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $7,256,000 | 700 |
| Net charge-offs | $7,923,000 | 569 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $7,320,600 | 659 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $48,064,000 | 434 |
| Total interest expense | $13,074,000 | 332 |
| Net interest income | $34,990,000 | 472 |
| Provision for loan and lease losses | $5,354,000 | 582 |
| Total noninterest income | $14,686,000 | 375 |
| Gross Fiduciary activities income | $7,524,000 | 94 |
| Service charges on deposit accounts | $881,000 | 1,257 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $6,281,000 | 493 |
| Total noninterest expense | $37,054,000 | 420 |
| Salaries and employee benefits | $22,798,000 | 330 |
| Premises and equipment expense | $3,564,000 | 530 |
| Additional noninterest expense | $10,692,000 | 518 |
| Pre-tax net operating income | $7,268,000 | 663 |
| Securities gains (losses) | $-95,000 | 7,220 |
| Applicable income taxes | $2,263,000 | 570 |
| Income before extraordinary items | $4,910,000 | 786 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,910,000 | 785 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $4,910,000 | 786 |
| Net charge-offs | $5,986,000 | 548 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $4,974,600 | 744 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $32,222,000 | 441 |
| Total interest expense | $8,801,000 | 348 |
| Net interest income | $23,421,000 | 471 |
| Provision for loan and lease losses | $4,089,000 | 528 |
| Total noninterest income | $10,347,000 | 370 |
| Gross Fiduciary activities income | $5,056,000 | 95 |
| Service charges on deposit accounts | $566,000 | 1,281 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,725,000 | 447 |
| Total noninterest expense | $24,685,000 | 428 |
| Salaries and employee benefits | $15,278,000 | 325 |
| Premises and equipment expense | $2,373,000 | 537 |
| Additional noninterest expense | $7,034,000 | 526 |
| Pre-tax net operating income | $4,994,000 | 636 |
| Securities gains (losses) | $-96,000 | 7,315 |
| Applicable income taxes | $1,535,000 | 545 |
| Income before extraordinary items | $3,363,000 | 755 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,363,000 | 752 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $3,363,000 | 755 |
| Net charge-offs | $3,618,000 | 595 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $3,429,240 | 720 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $15,838,000 | 449 |
| Total interest expense | $4,448,000 | 356 |
| Net interest income | $11,390,000 | 482 |
| Provision for loan and lease losses | $2,170,000 | 484 |
| Total noninterest income | $5,571,000 | 344 |
| Gross Fiduciary activities income | $2,512,000 | 94 |
| Service charges on deposit accounts | $264,000 | 1,353 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,795,000 | 397 |
| Total noninterest expense | $12,925,000 | 413 |
| Salaries and employee benefits | $7,834,000 | 322 |
| Premises and equipment expense | $1,199,000 | 539 |
| Additional noninterest expense | $3,892,000 | 486 |
| Pre-tax net operating income | $1,866,000 | 817 |
| Securities gains (losses) | $-31,000 | 7,291 |
| Applicable income taxes | $553,000 | 682 |
| Income before extraordinary items | $1,282,000 | 945 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,282,000 | 945 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,282,000 | 945 |
| Net charge-offs | $1,801,000 | 580 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,303,700 | 909 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $68,803,000 | 438 |
| Total interest expense | $23,129,000 | 329 |
| Net interest income | $45,674,000 | 472 |
| Provision for loan and lease losses | $35,169,000 | 231 |
| Total noninterest income | $7,335,000 | 806 |
| Gross Fiduciary activities income | $9,612,000 | 93 |
| Service charges on deposit accounts | $1,200,000 | 1,248 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-3,477,000 | 7,608 |
| Total noninterest expense | $55,500,000 | 392 |
| Salaries and employee benefits | $30,799,000 | 318 |
| Premises and equipment expense | $5,661,000 | 457 |
| Additional noninterest expense | $19,040,000 | 423 |
| Pre-tax net operating income | $-37,660,000 | 7,584 |
| Securities gains (losses) | $519,000 | 863 |
| Applicable income taxes | $-12,726,000 | 7,626 |
| Income before extraordinary items | $-24,415,000 | 7,538 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-24,415,000 | 7,538 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-24,415,000 | 7,538 |
| Net charge-offs | $43,031,000 | 191 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-24,757,540 | 7,537 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $52,078,000 | 433 |
| Total interest expense | $17,799,000 | 335 |
| Net interest income | $34,279,000 | 468 |
| Provision for loan and lease losses | $32,572,000 | 195 |
| Total noninterest income | $6,826,000 | 672 |
| Gross Fiduciary activities income | $7,049,000 | 93 |
| Service charges on deposit accounts | $891,000 | 1,303 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,114,000 | 7,667 |
| Total noninterest expense | $44,727,000 | 362 |
| Salaries and employee benefits | $23,166,000 | 315 |
| Premises and equipment expense | $4,403,000 | 441 |
| Additional noninterest expense | $17,158,000 | 346 |
| Pre-tax net operating income | $-36,194,000 | 7,709 |
| Securities gains (losses) | $481,000 | 765 |
| Applicable income taxes | $-12,404,000 | 7,730 |
| Income before extraordinary items | $-23,309,000 | 7,678 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-23,309,000 | 7,678 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-23,309,000 | 7,678 |
| Net charge-offs | $38,106,000 | 168 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-23,621,650 | 7,673 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $35,153,000 | 436 |
| Total interest expense | $12,140,000 | 341 |
| Net interest income | $23,013,000 | 469 |
| Provision for loan and lease losses | $22,973,000 | 193 |
| Total noninterest income | $6,717,000 | 498 |
| Gross Fiduciary activities income | $4,709,000 | 94 |
| Service charges on deposit accounts | $592,000 | 1,326 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,416,000 | 1,022 |
| Total noninterest expense | $30,382,000 | 346 |
| Salaries and employee benefits | $15,568,000 | 315 |
| Premises and equipment expense | $3,034,000 | 431 |
| Additional noninterest expense | $11,780,000 | 335 |
| Pre-tax net operating income | $-23,625,000 | 7,766 |
| Securities gains (losses) | $219,000 | 898 |
| Applicable income taxes | $-8,506,000 | 7,793 |
| Income before extraordinary items | $-14,900,000 | 7,730 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-14,900,000 | 7,730 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-14,900,000 | 7,730 |
| Net charge-offs | $22,799,000 | 183 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-15,040,160 | 7,725 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $17,955,000 | 447 |
| Total interest expense | $6,172,000 | 360 |
| Net interest income | $11,783,000 | 473 |
| Provision for loan and lease losses | $4,960,000 | 384 |
| Total noninterest income | $4,261,000 | 418 |
| Gross Fiduciary activities income | $2,271,000 | 98 |
| Service charges on deposit accounts | $284,000 | 1,380 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,706,000 | 541 |
| Total noninterest expense | $16,210,000 | 332 |
| Salaries and employee benefits | $7,758,000 | 325 |
| Premises and equipment expense | $1,560,000 | 436 |
| Additional noninterest expense | $6,892,000 | 294 |
| Pre-tax net operating income | $-5,126,000 | 7,764 |
| Securities gains (losses) | $99,000 | 788 |
| Applicable income taxes | $-2,704,000 | 7,878 |
| Income before extraordinary items | $-2,323,000 | 7,673 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,323,000 | 7,674 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,323,000 | 7,674 |
| Net charge-offs | $6,329,000 | 278 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,386,360 | 7,675 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $77,227,000 | 437 |
| Total interest expense | $29,524,000 | 380 |
| Net interest income | $47,703,000 | 449 |
| Provision for loan and lease losses | $16,660,000 | 563 |
| Total noninterest income | $18,480,000 | 415 |
| Gross Fiduciary activities income | $8,893,000 | 97 |
| Service charges on deposit accounts | $1,202,000 | 1,432 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $8,385,000 | 501 |
| Total noninterest expense | $48,676,000 | 440 |
| Salaries and employee benefits | $26,958,000 | 359 |
| Premises and equipment expense | $6,672,000 | 404 |
| Additional noninterest expense | $15,046,000 | 555 |
| Pre-tax net operating income | $847,000 | 3,250 |
| Securities gains (losses) | $2,324,000 | 242 |
| Applicable income taxes | $1,084,000 | 910 |
| Income before extraordinary items | $2,087,000 | 1,589 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,087,000 | 1,587 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,087,000 | 1,588 |
| Net charge-offs | $15,264,000 | 497 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $553,160 | 3,638 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $58,670,000 | 444 |
| Total interest expense | $22,881,000 | 395 |
| Net interest income | $35,789,000 | 460 |
| Provision for loan and lease losses | $13,651,000 | 489 |
| Total noninterest income | $13,846,000 | 420 |
| Gross Fiduciary activities income | $6,573,000 | 97 |
| Service charges on deposit accounts | $891,000 | 1,440 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $6,382,000 | 502 |
| Total noninterest expense | $35,584,000 | 453 |
| Salaries and employee benefits | $20,155,000 | 374 |
| Premises and equipment expense | $5,069,000 | 413 |
| Additional noninterest expense | $10,360,000 | 568 |
| Pre-tax net operating income | $400,000 | 4,189 |
| Securities gains (losses) | $387,000 | 833 |
| Applicable income taxes | $546,000 | 1,321 |
| Income before extraordinary items | $241,000 | 4,669 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $241,000 | 4,667 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $241,000 | 4,670 |
| Net charge-offs | $11,182,000 | 466 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,680 | 5,727 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $39,155,000 | 453 |
| Total interest expense | $15,616,000 | 408 |
| Net interest income | $23,539,000 | 464 |
| Provision for loan and lease losses | $5,966,000 | 661 |
| Total noninterest income | $8,898,000 | 430 |
| Gross Fiduciary activities income | $4,415,000 | 100 |
| Service charges on deposit accounts | $600,000 | 1,423 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,883,000 | 530 |
| Total noninterest expense | $23,597,000 | 468 |
| Salaries and employee benefits | $13,205,000 | 387 |
| Premises and equipment expense | $3,406,000 | 416 |
| Additional noninterest expense | $6,986,000 | 570 |
| Pre-tax net operating income | $2,874,000 | 812 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $957,000 | 641 |
| Income before extraordinary items | $1,917,000 | 990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,917,000 | 990 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,917,000 | 990 |
| Net charge-offs | $5,857,000 | 525 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,917,000 | 957 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $19,625,000 | 453 |
| Total interest expense | $7,851,000 | 427 |
| Net interest income | $11,774,000 | 458 |
| Provision for loan and lease losses | $3,039,000 | 561 |
| Total noninterest income | $4,343,000 | 418 |
| Gross Fiduciary activities income | $2,181,000 | 98 |
| Service charges on deposit accounts | $327,000 | 1,258 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,835,000 | 537 |
| Total noninterest expense | $11,485,000 | 450 |
| Salaries and employee benefits | $6,749,000 | 374 |
| Premises and equipment expense | $1,661,000 | 434 |
| Additional noninterest expense | $3,075,000 | 568 |
| Pre-tax net operating income | $1,593,000 | 800 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $585,000 | 572 |
| Income before extraordinary items | $1,008,000 | 1,076 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,008,000 | 1,076 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,008,000 | 1,078 |
| Net charge-offs | $1,480,000 | 743 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,008,000 | 998 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $81,266,000 | 477 |
| Total interest expense | $35,653,000 | 456 |
| Net interest income | $45,613,000 | 487 |
| Provision for loan and lease losses | $29,174,000 | 274 |
| Total noninterest income | $23,121,000 | 321 |
| Gross Fiduciary activities income | $9,350,000 | 105 |
| Service charges on deposit accounts | $1,000,000 | 1,759 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $12,771,000 | 323 |
| Total noninterest expense | $48,899,000 | 440 |
| Salaries and employee benefits | $28,228,000 | 346 |
| Premises and equipment expense | $7,290,000 | 379 |
| Additional noninterest expense | $13,381,000 | 520 |
| Pre-tax net operating income | $-9,339,000 | 7,975 |
| Securities gains (losses) | $-1,987,000 | 7,898 |
| Applicable income taxes | $-4,450,000 | 8,083 |
| Income before extraordinary items | $-6,876,000 | 7,906 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,876,000 | 7,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,230,000 | 305 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-5,604,320 | 7,899 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $61,073,000 | 490 |
| Total interest expense | $27,727,000 | 464 |
| Net interest income | $33,346,000 | 507 |
| Provision for loan and lease losses | $10,527,000 | 391 |
| Total noninterest income | $18,358,000 | 327 |
| Gross Fiduciary activities income | $7,114,000 | 105 |
| Service charges on deposit accounts | $716,000 | 1,837 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $10,528,000 | 325 |
| Total noninterest expense | $37,149,000 | 426 |
| Salaries and employee benefits | $22,222,000 | 342 |
| Premises and equipment expense | $5,414,000 | 395 |
| Additional noninterest expense | $9,513,000 | 514 |
| Pre-tax net operating income | $4,028,000 | 1,248 |
| Securities gains (losses) | $-3,000 | 7,226 |
| Applicable income taxes | $1,275,000 | 949 |
| Income before extraordinary items | $2,750,000 | 1,353 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,750,000 | 1,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,068,000 | 351 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,752,040 | 1,418 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $40,592,000 | 496 |
| Total interest expense | $19,182,000 | 463 |
| Net interest income | $21,410,000 | 522 |
| Provision for loan and lease losses | $5,278,000 | 417 |
| Total noninterest income | $13,198,000 | 320 |
| Gross Fiduciary activities income | $4,747,000 | 106 |
| Service charges on deposit accounts | $461,000 | 1,867 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $7,990,000 | 305 |
| Total noninterest expense | $25,966,000 | 412 |
| Salaries and employee benefits | $15,496,000 | 335 |
| Premises and equipment expense | $3,623,000 | 393 |
| Additional noninterest expense | $6,847,000 | 471 |
| Pre-tax net operating income | $3,364,000 | 1,067 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,099,000 | 870 |
| Income before extraordinary items | $2,265,000 | 1,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,265,000 | 1,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,384,000 | 334 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,265,000 | 1,204 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $20,531,000 | 505 |
| Total interest expense | $10,295,000 | 461 |
| Net interest income | $10,236,000 | 541 |
| Provision for loan and lease losses | $1,501,000 | 476 |
| Total noninterest income | $6,630,000 | 326 |
| Gross Fiduciary activities income | $2,295,000 | 109 |
| Service charges on deposit accounts | $208,000 | 2,006 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,127,000 | 306 |
| Total noninterest expense | $13,178,000 | 401 |
| Salaries and employee benefits | $8,051,000 | 327 |
| Premises and equipment expense | $1,809,000 | 398 |
| Additional noninterest expense | $3,318,000 | 464 |
| Pre-tax net operating income | $2,187,000 | 867 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $754,000 | 720 |
| Income before extraordinary items | $1,433,000 | 1,049 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,433,000 | 1,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,059,000 | 449 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,433,000 | 1,010 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $81,422,000 | 532 |
| Total interest expense | $45,683,000 | 451 |
| Net interest income | $35,739,000 | 618 |
| Provision for loan and lease losses | $4,029,000 | 493 |
| Total noninterest income | $31,216,000 | 272 |
| Gross Fiduciary activities income | $9,031,000 | 111 |
| Service charges on deposit accounts | $812,000 | 2,111 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $21,373,000 | 249 |
| Total noninterest expense | $50,163,000 | 409 |
| Salaries and employee benefits | $30,032,000 | 331 |
| Premises and equipment expense | $7,460,000 | 370 |
| Additional noninterest expense | $12,671,000 | 486 |
| Pre-tax net operating income | $12,763,000 | 674 |
| Securities gains (losses) | $-181,000 | 8,244 |
| Applicable income taxes | $3,840,000 | 661 |
| Income before extraordinary items | $8,742,000 | 751 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,742,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,924,000 | 634 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $8,866,890 | 729 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $60,183,000 | 535 |
| Total interest expense | $34,242,000 | 458 |
| Net interest income | $25,941,000 | 643 |
| Provision for loan and lease losses | $2,853,000 | 399 |
| Total noninterest income | $24,920,000 | 258 |
| Gross Fiduciary activities income | $6,707,000 | 109 |
| Service charges on deposit accounts | $594,000 | 2,134 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $17,619,000 | 241 |
| Total noninterest expense | $37,853,000 | 400 |
| Salaries and employee benefits | $22,981,000 | 323 |
| Premises and equipment expense | $5,585,000 | 367 |
| Additional noninterest expense | $9,287,000 | 477 |
| Pre-tax net operating income | $10,155,000 | 690 |
| Securities gains (losses) | $-181,000 | 8,373 |
| Applicable income taxes | $3,202,000 | 659 |
| Income before extraordinary items | $6,772,000 | 781 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,772,000 | 779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,198,000 | 574 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,895,080 | 752 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $39,154,000 | 563 |
| Total interest expense | $22,648,000 | 466 |
| Net interest income | $16,506,000 | 692 |
| Provision for loan and lease losses | $1,845,000 | 344 |
| Total noninterest income | $17,350,000 | 270 |
| Gross Fiduciary activities income | $4,386,000 | 117 |
| Service charges on deposit accounts | $408,000 | 2,077 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $12,556,000 | 243 |
| Total noninterest expense | $25,336,000 | 410 |
| Salaries and employee benefits | $15,682,000 | 326 |
| Premises and equipment expense | $3,737,000 | 383 |
| Additional noninterest expense | $5,917,000 | 499 |
| Pre-tax net operating income | $6,675,000 | 737 |
| Securities gains (losses) | $-181,000 | 8,463 |
| Applicable income taxes | $2,234,000 | 668 |
| Income before extraordinary items | $4,260,000 | 855 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,260,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $733,000 | 552 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,379,460 | 826 |
* 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.