Home > First Commerce Community Bank > Income and Expense
First Commerce Community Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,388,000 | 3,400 |
| Total interest expense | $3,280,000 | 1,367 |
| Net interest income | $1,108,000 | 6,164 |
| Provision for loan and lease losses | $7,710,000 | 438 |
| Total noninterest income | $-14,000 | 7,561 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $27,000 | 6,278 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-41,000 | 7,435 |
| Total noninterest expense | $4,701,000 | 2,068 |
| Salaries and employee benefits | $742,000 | 5,141 |
| Premises and equipment expense | $231,000 | 4,483 |
| Additional noninterest expense | $3,728,000 | 956 |
| Pre-tax net operating income | $-11,317,000 | 7,701 |
| Securities gains (losses) | $41,000 | 2,004 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-11,276,000 | 7,704 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-11,276,000 | 7,704 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-11,276,000 | 7,704 |
| Net charge-offs | $5,426,000 | 538 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-11,317,000 | 7,703 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 3,504 |
| Total interest expense | $1,726,000 | 1,367 |
| Net interest income | $435,000 | 6,658 |
| Provision for loan and lease losses | $1,300,000 | 978 |
| Total noninterest income | $-106,000 | 7,812 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $12,000 | 6,416 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-118,000 | 7,754 |
| Total noninterest expense | $1,559,000 | 3,047 |
| Salaries and employee benefits | $540,000 | 4,125 |
| Premises and equipment expense | $109,000 | 4,723 |
| Additional noninterest expense | $910,000 | 1,882 |
| Pre-tax net operating income | $-2,530,000 | 7,654 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,530,000 | 7,684 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,530,000 | 7,685 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,530,000 | 7,685 |
| Net charge-offs | $912,000 | 1,100 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,530,000 | 7,682 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,530,000 | 3,104 |
| Total interest expense | $8,943,000 | 1,338 |
| Net interest income | $1,587,000 | 6,796 |
| Provision for loan and lease losses | $5,937,000 | 1,251 |
| Total noninterest income | $-72,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $54,000 | 6,410 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-126,000 | 7,626 |
| Total noninterest expense | $7,323,000 | 2,685 |
| Salaries and employee benefits | $2,359,000 | 3,862 |
| Premises and equipment expense | $492,000 | 4,418 |
| Additional noninterest expense | $4,472,000 | 1,656 |
| Pre-tax net operating income | $-11,745,000 | 7,551 |
| Securities gains (losses) | $573,000 | 798 |
| Applicable income taxes | $-1,720,000 | 7,474 |
| Income before extraordinary items | $-9,452,000 | 7,535 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,452,000 | 7,534 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,452,000 | 7,534 |
| Net charge-offs | $8,028,000 | 809 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,939,050 | 7,560 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,321,000 | 3,001 |
| Total interest expense | $6,977,000 | 1,345 |
| Net interest income | $1,344,000 | 6,619 |
| Provision for loan and lease losses | $2,937,000 | 1,501 |
| Total noninterest income | $-78,000 | 7,907 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $40,000 | 6,466 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-118,000 | 7,826 |
| Total noninterest expense | $4,874,000 | 2,983 |
| Salaries and employee benefits | $1,812,000 | 3,832 |
| Premises and equipment expense | $384,000 | 4,358 |
| Additional noninterest expense | $2,678,000 | 1,974 |
| Pre-tax net operating income | $-6,545,000 | 7,596 |
| Securities gains (losses) | $573,000 | 629 |
| Applicable income taxes | $-2,279,000 | 7,752 |
| Income before extraordinary items | $-3,693,000 | 7,452 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,693,000 | 7,452 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,693,000 | 7,452 |
| Net charge-offs | $5,055,000 | 808 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,059,720 | 7,499 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,823,000 | 2,904 |
| Total interest expense | $4,831,000 | 1,374 |
| Net interest income | $992,000 | 6,411 |
| Provision for loan and lease losses | $667,000 | 2,556 |
| Total noninterest income | $-13,000 | 7,989 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $26,000 | 6,518 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-39,000 | 7,889 |
| Total noninterest expense | $3,265,000 | 2,999 |
| Salaries and employee benefits | $1,234,000 | 3,806 |
| Premises and equipment expense | $238,000 | 4,593 |
| Additional noninterest expense | $1,793,000 | 1,992 |
| Pre-tax net operating income | $-2,953,000 | 7,561 |
| Securities gains (losses) | $344,000 | 683 |
| Applicable income taxes | $-1,000,000 | 7,753 |
| Income before extraordinary items | $-1,609,000 | 7,365 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,609,000 | 7,363 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,609,000 | 7,363 |
| Net charge-offs | $3,589,000 | 736 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,829,160 | 7,433 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 2,678 |
| Total interest expense | $2,506,000 | 1,376 |
| Net interest income | $713,000 | 5,532 |
| Provision for loan and lease losses | $275,000 | 2,441 |
| Total noninterest income | $37,000 | 6,760 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $24,000 | 5,949 |
| Total noninterest expense | $1,509,000 | 3,132 |
| Salaries and employee benefits | $625,000 | 3,800 |
| Premises and equipment expense | $122,000 | 4,572 |
| Additional noninterest expense | $762,000 | 2,080 |
| Pre-tax net operating income | $-1,034,000 | 7,642 |
| Securities gains (losses) | $63,000 | 1,197 |
| Applicable income taxes | $-374,000 | 7,850 |
| Income before extraordinary items | $-597,000 | 7,524 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-597,000 | 7,526 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-597,000 | 7,525 |
| Net charge-offs | $2,335,000 | 540 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-637,320 | 7,534 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,785,000 | 2,251 |
| Total interest expense | $11,122,000 | 1,462 |
| Net interest income | $5,663,000 | 3,625 |
| Provision for loan and lease losses | $5,808,000 | 903 |
| Total noninterest income | $170,000 | 6,712 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 6,172 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $88,000 | 6,092 |
| Total noninterest expense | $5,216,000 | 3,443 |
| Salaries and employee benefits | $2,338,000 | 3,970 |
| Premises and equipment expense | $500,000 | 4,455 |
| Additional noninterest expense | $2,378,000 | 2,449 |
| Pre-tax net operating income | $-5,191,000 | 7,813 |
| Securities gains (losses) | $58,000 | 1,498 |
| Applicable income taxes | $-1,960,000 | 7,913 |
| Income before extraordinary items | $-3,173,000 | 7,637 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,173,000 | 7,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,105,000 | 976 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,210,120 | 7,710 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,143,000 | 2,219 |
| Total interest expense | $8,472,000 | 1,497 |
| Net interest income | $4,671,000 | 3,389 |
| Provision for loan and lease losses | $5,405,000 | 624 |
| Total noninterest income | $88,000 | 7,240 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $61,000 | 6,207 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $27,000 | 7,207 |
| Total noninterest expense | $3,925,000 | 3,439 |
| Salaries and employee benefits | $1,733,000 | 4,027 |
| Premises and equipment expense | $380,000 | 4,446 |
| Additional noninterest expense | $1,812,000 | 2,347 |
| Pre-tax net operating income | $-4,571,000 | 8,108 |
| Securities gains (losses) | $58,000 | 1,318 |
| Applicable income taxes | $-1,724,000 | 8,157 |
| Income before extraordinary items | $-2,789,000 | 7,988 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,789,000 | 7,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,690,000 | 687 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,826,120 | 8,053 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,154,000 | 2,152 |
| Total interest expense | $5,839,000 | 1,507 |
| Net interest income | $3,315,000 | 3,223 |
| Provision for loan and lease losses | $3,185,000 | 580 |
| Total noninterest income | $131,000 | 6,222 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $41,000 | 6,214 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $90,000 | 5,223 |
| Total noninterest expense | $2,348,000 | 3,761 |
| Salaries and employee benefits | $1,134,000 | 4,122 |
| Premises and equipment expense | $253,000 | 4,474 |
| Additional noninterest expense | $961,000 | 2,843 |
| Pre-tax net operating income | $-2,087,000 | 8,171 |
| Securities gains (losses) | $58,000 | 1,332 |
| Applicable income taxes | $-780,000 | 8,246 |
| Income before extraordinary items | $-1,249,000 | 8,090 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,249,000 | 8,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $940,000 | 899 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,286,120 | 8,087 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,907,000 | 2,078 |
| Total interest expense | $3,073,000 | 1,532 |
| Net interest income | $1,834,000 | 2,923 |
| Provision for loan and lease losses | $995,000 | 624 |
| Total noninterest income | $61,000 | 6,336 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $40,000 | 5,445 |
| Total noninterest expense | $1,182,000 | 3,748 |
| Salaries and employee benefits | $605,000 | 3,952 |
| Premises and equipment expense | $133,000 | 4,350 |
| Additional noninterest expense | $444,000 | 3,011 |
| Pre-tax net operating income | $-282,000 | 7,886 |
| Securities gains (losses) | $40,000 | 1,206 |
| Applicable income taxes | $-97,000 | 8,133 |
| Income before extraordinary items | $-145,000 | 7,744 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-145,000 | 7,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,179 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-170,600 | 7,750 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,613,000 | 1,870 |
| Total interest expense | $12,081,000 | 1,652 |
| Net interest income | $10,532,000 | 2,151 |
| Provision for loan and lease losses | $2,421,000 | 718 |
| Total noninterest income | $324,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $93,000 | 6,110 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $231,000 | 4,763 |
| Total noninterest expense | $4,323,000 | 3,886 |
| Salaries and employee benefits | $2,358,000 | 3,894 |
| Premises and equipment expense | $493,000 | 4,410 |
| Additional noninterest expense | $1,472,000 | 3,474 |
| Pre-tax net operating income | $4,112,000 | 1,941 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,481,000 | 1,429 |
| Income before extraordinary items | $2,631,000 | 2,260 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,631,000 | 2,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $573,000 | 1,534 |
| Cash dividends | $636,000 | 3,344 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,122 |
| Net operating income | $2,631,000 | 2,246 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,007,000 | 1,870 |
| Total interest expense | $8,860,000 | 1,693 |
| Net interest income | $8,147,000 | 2,095 |
| Provision for loan and lease losses | $441,000 | 1,744 |
| Total noninterest income | $252,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $71,000 | 6,124 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $181,000 | 4,690 |
| Total noninterest expense | $3,150,000 | 3,947 |
| Salaries and employee benefits | $1,791,000 | 3,842 |
| Premises and equipment expense | $381,000 | 4,300 |
| Additional noninterest expense | $978,000 | 3,777 |
| Pre-tax net operating income | $4,808,000 | 1,406 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,798,000 | 1,044 |
| Income before extraordinary items | $3,010,000 | 1,690 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,010,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,069 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,010,000 | 1,673 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,145,000 | 1,919 |
| Total interest expense | $5,700,000 | 1,756 |
| Net interest income | $5,445,000 | 2,125 |
| Provision for loan and lease losses | $286,000 | 1,625 |
| Total noninterest income | $178,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $46,000 | 6,201 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $132,000 | 4,559 |
| Total noninterest expense | $2,080,000 | 4,010 |
| Salaries and employee benefits | $1,207,000 | 3,852 |
| Premises and equipment expense | $249,000 | 4,401 |
| Additional noninterest expense | $624,000 | 3,906 |
| Pre-tax net operating income | $3,257,000 | 1,437 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,221,000 | 1,087 |
| Income before extraordinary items | $2,036,000 | 1,698 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,036,000 | 1,698 |
| 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 | $0 | 1,051 |
| Net operating income | $2,036,000 | 1,676 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,371,000 | 1,980 |
| Total interest expense | $2,763,000 | 1,796 |
| Net interest income | $2,608,000 | 2,202 |
| Provision for loan and lease losses | $143,000 | 1,556 |
| Total noninterest income | $95,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $24,000 | 6,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $71,000 | 4,430 |
| Total noninterest expense | $1,020,000 | 4,083 |
| Salaries and employee benefits | $597,000 | 3,908 |
| Premises and equipment expense | $121,000 | 4,484 |
| Additional noninterest expense | $302,000 | 3,952 |
| Pre-tax net operating income | $1,540,000 | 1,504 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $575,000 | 1,154 |
| Income before extraordinary items | $965,000 | 1,771 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $965,000 | 1,771 |
| 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 | $0 | 885 |
| Net operating income | $965,000 | 1,757 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,178,000 | 2,263 |
| Total interest expense | $7,874,000 | 2,074 |
| Net interest income | $9,304,000 | 2,441 |
| Provision for loan and lease losses | $983,000 | 1,055 |
| Total noninterest income | $240,000 | 6,601 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $106,000 | 6,077 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 5,839 |
| Total noninterest expense | $3,514,000 | 4,396 |
| Salaries and employee benefits | $2,001,000 | 4,261 |
| Premises and equipment expense | $360,000 | 5,247 |
| Additional noninterest expense | $1,153,000 | 4,064 |
| Pre-tax net operating income | $5,047,000 | 1,860 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,850,000 | 1,417 |
| Income before extraordinary items | $3,197,000 | 2,163 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,197,000 | 2,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,225 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,087 |
| Net operating income | $3,197,000 | 2,152 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,988,000 | 2,411 |
| Total interest expense | $5,299,000 | 2,216 |
| Net interest income | $6,689,000 | 2,564 |
| Provision for loan and lease losses | $727,000 | 1,016 |
| Total noninterest income | $184,000 | 6,620 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $82,000 | 6,089 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $102,000 | 5,813 |
| Total noninterest expense | $2,484,000 | 4,561 |
| Salaries and employee benefits | $1,436,000 | 4,385 |
| Premises and equipment expense | $236,000 | 5,646 |
| Additional noninterest expense | $812,000 | 4,215 |
| Pre-tax net operating income | $3,662,000 | 1,985 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,362,000 | 1,498 |
| Income before extraordinary items | $2,300,000 | 2,306 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,300,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,300,000 | 2,292 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,381,000 | 2,546 |
| Total interest expense | $3,137,000 | 2,336 |
| Net interest income | $4,244,000 | 2,668 |
| Provision for loan and lease losses | $400,000 | 1,166 |
| Total noninterest income | $118,000 | 6,707 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $57,000 | 6,055 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,057 |
| Total noninterest expense | $1,526,000 | 4,821 |
| Salaries and employee benefits | $924,000 | 4,529 |
| Premises and equipment expense | $113,000 | 6,491 |
| Additional noninterest expense | $489,000 | 4,560 |
| Pre-tax net operating income | $2,436,000 | 1,998 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $906,000 | 1,514 |
| Income before extraordinary items | $1,530,000 | 2,306 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,530,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,530,000 | 2,289 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,413,000 | 2,661 |
| Total interest expense | $1,446,000 | 2,399 |
| Net interest income | $1,967,000 | 2,816 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $66,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,852 |
| Total noninterest expense | $740,000 | 4,952 |
| Salaries and employee benefits | $449,000 | 4,646 |
| Premises and equipment expense | $60,000 | 6,361 |
| Additional noninterest expense | $231,000 | 4,705 |
| Pre-tax net operating income | $1,143,000 | 2,061 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $425,000 | 1,584 |
| Income before extraordinary items | $718,000 | 2,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $718,000 | 2,400 |
| 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 | $718,000 | 2,372 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,749,000 | 3,207 |
| Total interest expense | $3,889,000 | 2,714 |
| Net interest income | $5,860,000 | 3,494 |
| Provision for loan and lease losses | $807,000 | 1,251 |
| Total noninterest income | $248,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $108,000 | 6,181 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $140,000 | 5,848 |
| Total noninterest expense | $2,519,000 | 5,358 |
| Salaries and employee benefits | $1,505,000 | 5,035 |
| Premises and equipment expense | $222,000 | 6,506 |
| Additional noninterest expense | $792,000 | 5,202 |
| Pre-tax net operating income | $2,782,000 | 2,939 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $978,000 | 2,294 |
| Income before extraordinary items | $1,804,000 | 3,351 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,804,000 | 3,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,517 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,804,000 | 3,321 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,666,000 | 3,400 |
| Total interest expense | $2,609,000 | 2,830 |
| Net interest income | $4,057,000 | 3,722 |
| Provision for loan and lease losses | $572,000 | 1,246 |
| Total noninterest income | $179,000 | 6,793 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $74,000 | 6,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,862 |
| Total noninterest expense | $1,829,000 | 5,426 |
| Salaries and employee benefits | $1,103,000 | 5,088 |
| Premises and equipment expense | $164,000 | 6,507 |
| Additional noninterest expense | $562,000 | 5,331 |
| Pre-tax net operating income | $1,835,000 | 3,255 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $655,000 | 2,498 |
| Income before extraordinary items | $1,180,000 | 3,702 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,180,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,651 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,180,000 | 3,667 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,013,000 | 3,623 |
| Total interest expense | $1,563,000 | 2,956 |
| Net interest income | $2,450,000 | 3,988 |
| Provision for loan and lease losses | $370,000 | 1,277 |
| Total noninterest income | $122,000 | 6,711 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $45,000 | 6,448 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $77,000 | 5,690 |
| Total noninterest expense | $1,191,000 | 5,500 |
| Salaries and employee benefits | $720,000 | 5,152 |
| Premises and equipment expense | $110,000 | 6,495 |
| Additional noninterest expense | $361,000 | 5,430 |
| Pre-tax net operating income | $1,011,000 | 3,672 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $354,000 | 2,800 |
| Income before extraordinary items | $657,000 | 4,175 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $657,000 | 4,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $657,000 | 4,120 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 3,857 |
| Total interest expense | $699,000 | 3,119 |
| Net interest income | $1,133,000 | 4,235 |
| Provision for loan and lease losses | $165,000 | 1,303 |
| Total noninterest income | $48,000 | 7,143 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $17,000 | 6,822 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $567,000 | 5,681 |
| Salaries and employee benefits | $356,000 | 5,233 |
| Premises and equipment expense | $58,000 | 6,415 |
| Additional noninterest expense | $153,000 | 5,937 |
| Pre-tax net operating income | $449,000 | 3,966 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $143,000 | 3,181 |
| Income before extraordinary items | $306,000 | 4,312 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $306,000 | 4,313 |
| 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 | $306,000 | 4,268 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,668,000 | 5,068 |
| Total interest expense | $1,514,000 | 4,486 |
| Net interest income | $3,154,000 | 5,267 |
| Provision for loan and lease losses | $545,000 | 1,833 |
| Total noninterest income | $110,000 | 7,969 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $50,000 | 7,294 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,192 |
| Total noninterest expense | $1,789,000 | 6,379 |
| Salaries and employee benefits | $1,054,000 | 6,102 |
| Premises and equipment expense | $204,000 | 6,715 |
| Additional noninterest expense | $531,000 | 6,372 |
| Pre-tax net operating income | $930,000 | 5,418 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $930,000 | 4,883 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $930,000 | 4,883 |
| 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 | $0 | 872 |
| Net operating income | $930,000 | 4,821 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 5,426 |
| Total interest expense | $981,000 | 4,833 |
| Net interest income | $2,131,000 | 5,582 |
| Provision for loan and lease losses | $355,000 | 1,982 |
| Total noninterest income | $71,000 | 8,195 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $34,000 | 7,408 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $37,000 | 7,447 |
| Total noninterest expense | $1,291,000 | 6,469 |
| Salaries and employee benefits | $761,000 | 6,189 |
| Premises and equipment expense | $148,000 | 6,758 |
| Additional noninterest expense | $382,000 | 6,446 |
| Pre-tax net operating income | $556,000 | 6,075 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $556,000 | 5,551 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $556,000 | 5,551 |
| 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 | $0 | 738 |
| Net operating income | $556,000 | 5,487 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,858,000 | 5,795 |
| Total interest expense | $580,000 | 5,202 |
| Net interest income | $1,278,000 | 5,950 |
| Provision for loan and lease losses | $220,000 | 2,035 |
| Total noninterest income | $29,000 | 8,623 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $21,000 | 7,495 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,431 |
| Total noninterest expense | $806,000 | 6,690 |
| Salaries and employee benefits | $482,000 | 6,416 |
| Premises and equipment expense | $96,000 | 6,873 |
| Additional noninterest expense | $228,000 | 6,815 |
| Pre-tax net operating income | $281,000 | 6,621 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $281,000 | 6,180 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $281,000 | 6,181 |
| 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 | $0 | 638 |
| Net operating income | $281,000 | 6,103 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $856,000 | 6,073 |
| Total interest expense | $266,000 | 5,540 |
| Net interest income | $590,000 | 6,208 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $13,000 | 8,701 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $9,000 | 7,564 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $392,000 | 6,815 |
| Salaries and employee benefits | $244,000 | 6,417 |
| Premises and equipment expense | $44,000 | 7,051 |
| Additional noninterest expense | $104,000 | 7,045 |
| Pre-tax net operating income | $106,000 | 7,051 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $106,000 | 6,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 7,976 |
| Total interest expense | $385,000 | 8,157 |
| Net interest income | $1,207,000 | 7,805 |
| Provision for loan and lease losses | $475,000 | 2,273 |
| Total noninterest income | $36,000 | 8,888 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $13,000 | 7,904 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $23,000 | 8,335 |
| Total noninterest expense | $1,723,000 | 6,481 |
| Salaries and employee benefits | $1,032,000 | 6,156 |
| Premises and equipment expense | $176,000 | 7,072 |
| Additional noninterest expense | $515,000 | 6,465 |
| Pre-tax net operating income | $-955,000 | 8,965 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-955,000 | 9,031 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-955,000 | 9,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 85 |
| Net operating income | $-955,000 | 8,982 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $874,000 | 8,525 |
| Total interest expense | $183,000 | 8,733 |
| Net interest income | $691,000 | 8,303 |
| Provision for loan and lease losses | $330,000 | 2,341 |
| Total noninterest income | $23,000 | 9,010 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,000 | 8,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 8,372 |
| Total noninterest expense | $1,329,000 | 6,372 |
| Salaries and employee benefits | $826,000 | 5,911 |
| Premises and equipment expense | $146,000 | 6,846 |
| Additional noninterest expense | $357,000 | 6,664 |
| Pre-tax net operating income | $-945,000 | 9,074 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-945,000 | 9,120 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-945,000 | 9,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 57 |
| Net operating income | $-945,000 | 9,079 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $381,000 | 8,911 |
| Total interest expense | $68,000 | 9,033 |
| Net interest income | $313,000 | 8,766 |
| Provision for loan and lease losses | $183,000 | 2,661 |
| Total noninterest income | $15,000 | 9,049 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,000 | 8,110 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $976,000 | 6,058 |
| Salaries and employee benefits | $612,000 | 5,553 |
| Premises and equipment expense | $105,000 | 6,641 |
| Additional noninterest expense | $259,000 | 6,424 |
| Pre-tax net operating income | $-831,000 | 9,136 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-831,000 | 9,188 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-831,000 | 9,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 40 |
| Net operating income | $-831,000 | 9,138 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $62,000 | 9,227 |
| Total interest expense | $13,000 | 9,205 |
| Net interest income | $49,000 | 9,214 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $1,000 | 9,226 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $635,000 | 5,154 |
| Salaries and employee benefits | $403,000 | 4,587 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $169,000 | 5,559 |
| Pre-tax net operating income | $-640,000 | 9,235 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-640,000 | 9,268 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-640,000 | 9,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 18 |
| Net operating income | $-640,000 | 9,232 |
* 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.