Home > First National Bank of Baldwin County > Income and Expense
First National Bank of Baldwin County, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 3,392 |
| Total interest expense | $327,000 | 2,592 |
| Net interest income | $1,372,000 | 3,516 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $150,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $69,000 | 3,493 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $81,000 | 4,075 |
| Total noninterest expense | $1,963,000 | 2,410 |
| Salaries and employee benefits | $784,000 | 3,094 |
| Premises and equipment expense | $251,000 | 2,306 |
| Additional noninterest expense | $928,000 | 1,721 |
| Pre-tax net operating income | $-441,000 | 6,843 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-441,000 | 6,859 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-441,000 | 6,860 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-441,000 | 6,860 |
| Net charge-offs | $-94,000 | 6,829 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-441,000 | 6,844 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,609,000 | 3,242 |
| Total interest expense | $1,719,000 | 2,437 |
| Net interest income | $5,890,000 | 3,414 |
| Provision for loan and lease losses | $526,000 | 2,653 |
| Total noninterest income | $332,000 | 5,074 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $313,000 | 3,411 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $19,000 | 6,279 |
| Total noninterest expense | $6,961,000 | 2,667 |
| Salaries and employee benefits | $3,165,000 | 3,013 |
| Premises and equipment expense | $1,144,000 | 2,029 |
| Additional noninterest expense | $2,652,000 | 2,442 |
| Pre-tax net operating income | $-1,265,000 | 6,709 |
| Securities gains (losses) | $53,000 | 2,698 |
| Applicable income taxes | $-143,000 | 6,745 |
| Income before extraordinary items | $-1,069,000 | 6,731 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,069,000 | 6,726 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,069,000 | 6,727 |
| Net charge-offs | $1,005,000 | 1,809 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,115,640 | 6,705 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,792,000 | 3,263 |
| Total interest expense | $1,365,000 | 2,407 |
| Net interest income | $4,427,000 | 3,462 |
| Provision for loan and lease losses | $526,000 | 2,206 |
| Total noninterest income | $149,000 | 5,776 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $232,000 | 3,462 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-83,000 | 6,890 |
| Total noninterest expense | $5,079,000 | 2,745 |
| Salaries and employee benefits | $2,390,000 | 3,019 |
| Premises and equipment expense | $870,000 | 2,028 |
| Additional noninterest expense | $1,819,000 | 2,636 |
| Pre-tax net operating income | $-1,029,000 | 6,839 |
| Securities gains (losses) | $53,000 | 2,416 |
| Applicable income taxes | $-143,000 | 6,942 |
| Income before extraordinary items | $-833,000 | 6,843 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-833,000 | 6,841 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-833,000 | 6,842 |
| Net charge-offs | $948,000 | 1,519 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-878,050 | 6,814 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,910,000 | 3,251 |
| Total interest expense | $948,000 | 2,400 |
| Net interest income | $2,962,000 | 3,464 |
| Provision for loan and lease losses | $526,000 | 1,746 |
| Total noninterest income | $465,000 | 3,371 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $155,000 | 3,444 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $310,000 | 3,025 |
| Total noninterest expense | $3,440,000 | 2,720 |
| Salaries and employee benefits | $1,619,000 | 2,991 |
| Premises and equipment expense | $590,000 | 1,994 |
| Additional noninterest expense | $1,231,000 | 2,622 |
| Pre-tax net operating income | $-539,000 | 6,835 |
| Securities gains (losses) | $53,000 | 2,024 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-486,000 | 6,863 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-486,000 | 6,864 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-486,000 | 6,864 |
| Net charge-offs | $904,000 | 1,219 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-539,000 | 6,851 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 3,257 |
| Total interest expense | $476,000 | 2,478 |
| Net interest income | $1,490,000 | 3,474 |
| Provision for loan and lease losses | $526,000 | 1,015 |
| Total noninterest income | $207,000 | 3,579 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $84,000 | 3,280 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $123,000 | 3,383 |
| Total noninterest expense | $1,719,000 | 2,715 |
| Salaries and employee benefits | $803,000 | 3,021 |
| Premises and equipment expense | $288,000 | 2,045 |
| Additional noninterest expense | $628,000 | 2,541 |
| Pre-tax net operating income | $-548,000 | 7,061 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-548,000 | 7,084 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-548,000 | 7,083 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-548,000 | 7,084 |
| Net charge-offs | $669,000 | 905 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-548,000 | 7,067 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,525,000 | 3,161 |
| Total interest expense | $2,315,000 | 2,470 |
| Net interest income | $6,210,000 | 3,382 |
| Provision for loan and lease losses | $977,000 | 2,447 |
| Total noninterest income | $-2,196,000 | 7,303 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $335,000 | 3,380 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-2,531,000 | 7,297 |
| Total noninterest expense | $7,593,000 | 2,485 |
| Salaries and employee benefits | $3,361,000 | 2,839 |
| Premises and equipment expense | $1,274,000 | 1,944 |
| Additional noninterest expense | $2,958,000 | 2,229 |
| Pre-tax net operating income | $-4,556,000 | 7,031 |
| Securities gains (losses) | $115,000 | 1,951 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-4,441,000 | 7,043 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,441,000 | 7,044 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,441,000 | 7,044 |
| Net charge-offs | $2,689,000 | 1,295 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-4,556,000 | 7,040 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,417,000 | 3,182 |
| Total interest expense | $1,799,000 | 2,487 |
| Net interest income | $4,618,000 | 3,410 |
| Provision for loan and lease losses | $795,000 | 2,280 |
| Total noninterest income | $-2,193,000 | 7,396 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $252,000 | 3,382 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-2,445,000 | 7,393 |
| Total noninterest expense | $5,873,000 | 2,427 |
| Salaries and employee benefits | $2,538,000 | 2,818 |
| Premises and equipment expense | $993,000 | 1,892 |
| Additional noninterest expense | $2,342,000 | 2,135 |
| Pre-tax net operating income | $-4,243,000 | 7,197 |
| Securities gains (losses) | $115,000 | 1,658 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-4,128,000 | 7,218 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,128,000 | 7,217 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-4,128,000 | 7,218 |
| Net charge-offs | $2,378,000 | 1,086 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-4,243,000 | 7,210 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,312,000 | 3,198 |
| Total interest expense | $1,244,000 | 2,481 |
| Net interest income | $3,068,000 | 3,425 |
| Provision for loan and lease losses | $795,000 | 1,736 |
| Total noninterest income | $-1,986,000 | 7,479 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $166,000 | 3,400 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-2,152,000 | 7,475 |
| Total noninterest expense | $3,963,000 | 2,432 |
| Salaries and employee benefits | $1,728,000 | 2,789 |
| Premises and equipment expense | $654,000 | 1,929 |
| Additional noninterest expense | $1,581,000 | 2,142 |
| Pre-tax net operating income | $-3,676,000 | 7,309 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-3,676,000 | 7,324 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,676,000 | 7,324 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,676,000 | 7,324 |
| Net charge-offs | $2,205,000 | 857 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-3,676,000 | 7,322 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,162,000 | 3,205 |
| Total interest expense | $645,000 | 2,486 |
| Net interest income | $1,517,000 | 3,436 |
| Provision for loan and lease losses | $583,000 | 1,306 |
| Total noninterest income | $-141,000 | 7,446 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $78,000 | 3,476 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-219,000 | 7,442 |
| Total noninterest expense | $2,006,000 | 2,413 |
| Salaries and employee benefits | $853,000 | 2,841 |
| Premises and equipment expense | $331,000 | 1,948 |
| Additional noninterest expense | $822,000 | 2,051 |
| Pre-tax net operating income | $-1,213,000 | 7,313 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,213,000 | 7,331 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,213,000 | 7,331 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,213,000 | 7,332 |
| Net charge-offs | $1,861,000 | 565 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,213,000 | 7,328 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,554,000 | 3,068 |
| Total interest expense | $2,967,000 | 2,630 |
| Net interest income | $6,587,000 | 3,233 |
| Provision for loan and lease losses | $4,955,000 | 1,156 |
| Total noninterest income | $823,000 | 3,591 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $344,000 | 3,377 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $479,000 | 3,253 |
| Total noninterest expense | $8,018,000 | 2,413 |
| Salaries and employee benefits | $3,811,000 | 2,521 |
| Premises and equipment expense | $1,404,000 | 1,831 |
| Additional noninterest expense | $2,803,000 | 2,418 |
| Pre-tax net operating income | $-5,563,000 | 7,150 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $4,991,000 | 362 |
| Income before extraordinary items | $-10,554,000 | 7,392 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-10,554,000 | 7,391 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-10,554,000 | 7,392 |
| Net charge-offs | $5,041,000 | 1,005 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-10,554,000 | 7,384 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,260,000 | 3,089 |
| Total interest expense | $2,255,000 | 2,693 |
| Net interest income | $5,005,000 | 3,244 |
| Provision for loan and lease losses | $4,500,000 | 948 |
| Total noninterest income | $648,000 | 3,536 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $269,000 | 3,365 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $379,000 | 3,189 |
| Total noninterest expense | $6,067,000 | 2,391 |
| Salaries and employee benefits | $2,947,000 | 2,453 |
| Premises and equipment expense | $1,047,000 | 1,864 |
| Additional noninterest expense | $2,073,000 | 2,409 |
| Pre-tax net operating income | $-4,914,000 | 7,355 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-833,000 | 7,459 |
| Income before extraordinary items | $-4,081,000 | 7,366 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,081,000 | 7,366 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,081,000 | 7,367 |
| Net charge-offs | $5,029,000 | 777 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-4,081,000 | 7,345 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,911,000 | 3,088 |
| Total interest expense | $1,517,000 | 2,762 |
| Net interest income | $3,394,000 | 3,175 |
| Provision for loan and lease losses | $3,972,000 | 769 |
| Total noninterest income | $454,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $187,000 | 3,282 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $267,000 | 3,027 |
| Total noninterest expense | $4,060,000 | 2,390 |
| Salaries and employee benefits | $2,035,000 | 2,396 |
| Premises and equipment expense | $699,000 | 1,871 |
| Additional noninterest expense | $1,326,000 | 2,499 |
| Pre-tax net operating income | $-4,184,000 | 7,509 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-833,000 | 7,584 |
| Income before extraordinary items | $-3,351,000 | 7,476 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,351,000 | 7,476 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,351,000 | 7,476 |
| Net charge-offs | $3,388,000 | 741 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,351,000 | 7,468 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,488,000 | 3,119 |
| Total interest expense | $772,000 | 2,839 |
| Net interest income | $1,716,000 | 3,188 |
| Provision for loan and lease losses | $2,199,000 | 701 |
| Total noninterest income | $331,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $98,000 | 3,183 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $233,000 | 2,175 |
| Total noninterest expense | $2,045,000 | 2,396 |
| Salaries and employee benefits | $1,080,000 | 2,284 |
| Premises and equipment expense | $348,000 | 1,935 |
| Additional noninterest expense | $617,000 | 2,643 |
| Pre-tax net operating income | $-2,197,000 | 7,624 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-835,000 | 7,772 |
| Income before extraordinary items | $-1,362,000 | 7,548 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,362,000 | 7,549 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,362,000 | 7,549 |
| Net charge-offs | $974,000 | 1,058 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,362,000 | 7,544 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,014,000 | 2,967 |
| Total interest expense | $4,036,000 | 2,714 |
| Net interest income | $6,978,000 | 3,076 |
| Provision for loan and lease losses | $7,368,000 | 1,084 |
| Total noninterest income | $-446,000 | 7,874 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $402,000 | 3,322 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-848,000 | 7,859 |
| Total noninterest expense | $8,408,000 | 2,351 |
| Salaries and employee benefits | $4,577,000 | 2,146 |
| Premises and equipment expense | $1,386,000 | 1,943 |
| Additional noninterest expense | $2,445,000 | 2,797 |
| Pre-tax net operating income | $-9,244,000 | 7,458 |
| Securities gains (losses) | $44,000 | 2,697 |
| Applicable income taxes | $-3,508,000 | 7,665 |
| Income before extraordinary items | $-5,692,000 | 7,322 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,692,000 | 7,322 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,692,000 | 7,322 |
| Net charge-offs | $8,037,000 | 808 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-5,720,160 | 7,343 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,352,000 | 2,987 |
| Total interest expense | $3,170,000 | 2,718 |
| Net interest income | $5,182,000 | 3,094 |
| Provision for loan and lease losses | $5,013,000 | 1,044 |
| Total noninterest income | $1,080,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $300,000 | 3,347 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $780,000 | 2,154 |
| Total noninterest expense | $6,285,000 | 2,350 |
| Salaries and employee benefits | $3,480,000 | 2,139 |
| Premises and equipment expense | $1,053,000 | 1,937 |
| Additional noninterest expense | $1,752,000 | 2,876 |
| Pre-tax net operating income | $-5,036,000 | 7,510 |
| Securities gains (losses) | $44,000 | 2,377 |
| Applicable income taxes | $-2,196,000 | 7,741 |
| Income before extraordinary items | $-2,796,000 | 7,342 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,796,000 | 7,342 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,796,000 | 7,342 |
| Net charge-offs | $4,922,000 | 826 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,824,160 | 7,335 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,623,000 | 2,992 |
| Total interest expense | $2,287,000 | 2,657 |
| Net interest income | $3,336,000 | 3,173 |
| Provision for loan and lease losses | $3,501,000 | 981 |
| Total noninterest income | $644,000 | 2,900 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $194,000 | 3,378 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $450,000 | 2,377 |
| Total noninterest expense | $4,267,000 | 2,343 |
| Salaries and employee benefits | $2,389,000 | 2,109 |
| Premises and equipment expense | $679,000 | 2,024 |
| Additional noninterest expense | $1,199,000 | 2,831 |
| Pre-tax net operating income | $-3,788,000 | 7,644 |
| Securities gains (losses) | $44,000 | 1,988 |
| Applicable income taxes | $-1,446,000 | 7,833 |
| Income before extraordinary items | $-2,298,000 | 7,536 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,298,000 | 7,535 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,298,000 | 7,535 |
| Net charge-offs | $2,045,000 | 1,109 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,326,160 | 7,552 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,818,000 | 3,022 |
| Total interest expense | $1,244,000 | 2,538 |
| Net interest income | $1,574,000 | 3,311 |
| Provision for loan and lease losses | $2,081,000 | 737 |
| Total noninterest income | $264,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $94,000 | 3,374 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $170,000 | 2,743 |
| Total noninterest expense | $2,107,000 | 2,314 |
| Salaries and employee benefits | $1,239,000 | 2,064 |
| Premises and equipment expense | $330,000 | 2,110 |
| Additional noninterest expense | $538,000 | 2,826 |
| Pre-tax net operating income | $-2,350,000 | 7,876 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-893,000 | 7,978 |
| Income before extraordinary items | $-1,457,000 | 7,824 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,457,000 | 7,825 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,457,000 | 7,825 |
| Net charge-offs | $1,659,000 | 687 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,457,000 | 7,813 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,048,000 | 2,633 |
| Total interest expense | $6,342,000 | 2,400 |
| Net interest income | $7,706,000 | 2,804 |
| Provision for loan and lease losses | $8,391,000 | 677 |
| Total noninterest income | $960,000 | 3,498 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $375,000 | 3,585 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $585,000 | 2,930 |
| Total noninterest expense | $8,282,000 | 2,309 |
| Salaries and employee benefits | $4,634,000 | 2,191 |
| Premises and equipment expense | $1,268,000 | 2,132 |
| Additional noninterest expense | $2,380,000 | 2,448 |
| Pre-tax net operating income | $-8,007,000 | 7,939 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-2,938,000 | 8,011 |
| Income before extraordinary items | $-5,069,000 | 7,815 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,069,000 | 7,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,607,000 | 741 |
| Cash dividends | $300,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-5,069,000 | 7,867 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,767,000 | 2,629 |
| Total interest expense | $4,908,000 | 2,413 |
| Net interest income | $5,859,000 | 2,778 |
| Provision for loan and lease losses | $4,704,000 | 663 |
| Total noninterest income | $778,000 | 3,402 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $273,000 | 3,668 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $505,000 | 2,793 |
| Total noninterest expense | $6,109,000 | 2,332 |
| Salaries and employee benefits | $3,586,000 | 2,149 |
| Premises and equipment expense | $921,000 | 2,198 |
| Additional noninterest expense | $1,602,000 | 2,621 |
| Pre-tax net operating income | $-4,176,000 | 8,093 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,587,000 | 8,146 |
| Income before extraordinary items | $-2,589,000 | 7,962 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,589,000 | 7,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,005,000 | 527 |
| Cash dividends | $300,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,589,000 | 8,021 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,256,000 | 2,627 |
| Total interest expense | $3,383,000 | 2,428 |
| Net interest income | $3,873,000 | 2,792 |
| Provision for loan and lease losses | $4,291,000 | 483 |
| Total noninterest income | $542,000 | 3,342 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $179,000 | 3,703 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $363,000 | 2,723 |
| Total noninterest expense | $4,059,000 | 2,349 |
| Salaries and employee benefits | $2,427,000 | 2,136 |
| Premises and equipment expense | $589,000 | 2,294 |
| Additional noninterest expense | $1,043,000 | 2,650 |
| Pre-tax net operating income | $-3,935,000 | 8,268 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,495,000 | 8,304 |
| Income before extraordinary items | $-2,440,000 | 8,247 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,440,000 | 8,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,506,000 | 484 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,440,000 | 8,240 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 2,615 |
| Total interest expense | $1,820,000 | 2,435 |
| Net interest income | $1,926,000 | 2,796 |
| Provision for loan and lease losses | $3,575,000 | 273 |
| Total noninterest income | $260,000 | 3,427 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $80,000 | 3,888 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $180,000 | 2,725 |
| Total noninterest expense | $2,061,000 | 2,309 |
| Salaries and employee benefits | $1,226,000 | 2,137 |
| Premises and equipment expense | $292,000 | 2,324 |
| Additional noninterest expense | $543,000 | 2,528 |
| Pre-tax net operating income | $-3,450,000 | 8,412 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-1,311,000 | 8,416 |
| Income before extraordinary items | $-2,139,000 | 8,394 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,139,000 | 8,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 856 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,139,000 | 8,391 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,194,000 | 2,394 |
| Total interest expense | $8,189,000 | 2,272 |
| Net interest income | $9,005,000 | 2,443 |
| Provision for loan and lease losses | $495,000 | 2,336 |
| Total noninterest income | $1,150,000 | 3,224 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $327,000 | 3,921 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $823,000 | 2,522 |
| Total noninterest expense | $6,637,000 | 2,713 |
| Salaries and employee benefits | $3,693,000 | 2,674 |
| Premises and equipment expense | $1,072,000 | 2,424 |
| Additional noninterest expense | $1,872,000 | 2,829 |
| Pre-tax net operating income | $3,023,000 | 2,458 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,051,000 | 1,800 |
| Income before extraordinary items | $1,972,000 | 2,851 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,972,000 | 2,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,919 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,972,000 | 2,834 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,979,000 | 2,386 |
| Total interest expense | $6,105,000 | 2,286 |
| Net interest income | $6,874,000 | 2,434 |
| Provision for loan and lease losses | $220,000 | 2,856 |
| Total noninterest income | $955,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $244,000 | 3,912 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $711,000 | 2,299 |
| Total noninterest expense | $4,970,000 | 2,694 |
| Salaries and employee benefits | $2,752,000 | 2,681 |
| Premises and equipment expense | $801,000 | 2,411 |
| Additional noninterest expense | $1,417,000 | 2,747 |
| Pre-tax net operating income | $2,639,000 | 2,335 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $990,000 | 1,662 |
| Income before extraordinary items | $1,649,000 | 2,782 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,649,000 | 2,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,831 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,649,000 | 2,762 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,496,000 | 2,443 |
| Total interest expense | $3,952,000 | 2,349 |
| Net interest income | $4,544,000 | 2,481 |
| Provision for loan and lease losses | $185,000 | 2,274 |
| Total noninterest income | $669,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $160,000 | 3,966 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $509,000 | 2,216 |
| Total noninterest expense | $3,262,000 | 2,761 |
| Salaries and employee benefits | $1,823,000 | 2,725 |
| Premises and equipment expense | $527,000 | 2,448 |
| Additional noninterest expense | $912,000 | 2,846 |
| Pre-tax net operating income | $1,766,000 | 2,373 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $666,000 | 1,723 |
| Income before extraordinary items | $1,100,000 | 2,827 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,100,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,211 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,100,000 | 2,807 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,105,000 | 2,506 |
| Total interest expense | $1,877,000 | 2,437 |
| Net interest income | $2,228,000 | 2,523 |
| Provision for loan and lease losses | $80,000 | 2,339 |
| Total noninterest income | $276,000 | 3,301 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $83,000 | 3,831 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $193,000 | 2,596 |
| Total noninterest expense | $1,574,000 | 2,862 |
| Salaries and employee benefits | $880,000 | 2,839 |
| Premises and equipment expense | $256,000 | 2,532 |
| Additional noninterest expense | $438,000 | 2,931 |
| Pre-tax net operating income | $850,000 | 2,458 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $323,000 | 1,770 |
| Income before extraordinary items | $527,000 | 2,894 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $527,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,038 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $527,000 | 2,882 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,734,000 | 2,592 |
| Total interest expense | $6,552,000 | 2,404 |
| Net interest income | $8,182,000 | 2,698 |
| Provision for loan and lease losses | $275,000 | 2,942 |
| Total noninterest income | $1,193,000 | 3,136 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $299,000 | 4,140 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $894,000 | 2,400 |
| Total noninterest expense | $5,782,000 | 2,964 |
| Salaries and employee benefits | $3,337,000 | 2,847 |
| Premises and equipment expense | $954,000 | 2,581 |
| Additional noninterest expense | $1,491,000 | 3,302 |
| Pre-tax net operating income | $3,318,000 | 2,594 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,271,000 | 1,887 |
| Income before extraordinary items | $2,047,000 | 3,050 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,047,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,669 |
| Cash dividends | $50,000 | 5,682 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 989 |
| Net operating income | $2,047,000 | 3,043 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,729,000 | 2,644 |
| Total interest expense | $4,674,000 | 2,449 |
| Net interest income | $6,055,000 | 2,762 |
| Provision for loan and lease losses | $235,000 | 2,541 |
| Total noninterest income | $881,000 | 3,182 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $218,000 | 4,231 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $663,000 | 2,401 |
| Total noninterest expense | $4,266,000 | 3,000 |
| Salaries and employee benefits | $2,457,000 | 2,893 |
| Premises and equipment expense | $709,000 | 2,604 |
| Additional noninterest expense | $1,100,000 | 3,357 |
| Pre-tax net operating income | $2,435,000 | 2,712 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $888,000 | 2,043 |
| Income before extraordinary items | $1,547,000 | 3,141 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,547,000 | 3,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 797 |
| Net operating income | $1,547,000 | 3,129 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,833,000 | 2,703 |
| Total interest expense | $2,885,000 | 2,516 |
| Net interest income | $3,948,000 | 2,812 |
| Provision for loan and lease losses | $195,000 | 2,161 |
| Total noninterest income | $587,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $147,000 | 4,180 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $440,000 | 2,399 |
| Total noninterest expense | $2,742,000 | 3,097 |
| Salaries and employee benefits | $1,580,000 | 2,995 |
| Premises and equipment expense | $468,000 | 2,623 |
| Additional noninterest expense | $694,000 | 3,514 |
| Pre-tax net operating income | $1,598,000 | 2,751 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $581,000 | 2,099 |
| Income before extraordinary items | $1,017,000 | 3,171 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,017,000 | 3,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 647 |
| Net operating income | $1,017,000 | 3,161 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,236,000 | 2,774 |
| Total interest expense | $1,354,000 | 2,539 |
| Net interest income | $1,882,000 | 2,933 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $266,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $64,000 | 4,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $202,000 | 2,477 |
| Total noninterest expense | $1,311,000 | 3,236 |
| Salaries and employee benefits | $755,000 | 3,131 |
| Premises and equipment expense | $233,000 | 2,641 |
| Additional noninterest expense | $323,000 | 3,666 |
| Pre-tax net operating income | $732,000 | 2,888 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $264,000 | 2,185 |
| Income before extraordinary items | $468,000 | 3,332 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $468,000 | 3,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 445 |
| Net operating income | $468,000 | 3,310 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,352,000 | 3,323 |
| Total interest expense | $3,244,000 | 3,119 |
| Net interest income | $6,108,000 | 3,371 |
| Provision for loan and lease losses | $520,000 | 1,829 |
| Total noninterest income | $986,000 | 3,598 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $205,000 | 4,982 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $781,000 | 2,583 |
| Total noninterest expense | $4,608,000 | 3,455 |
| Salaries and employee benefits | $2,731,000 | 3,226 |
| Premises and equipment expense | $804,000 | 2,885 |
| Additional noninterest expense | $1,073,000 | 4,186 |
| Pre-tax net operating income | $1,966,000 | 3,721 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $699,000 | 2,819 |
| Income before extraordinary items | $1,267,000 | 4,211 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,267,000 | 4,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $5,263,000 | 291 |
| Net operating income | $1,267,000 | 4,189 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,376,000 | 3,520 |
| Total interest expense | $2,129,000 | 3,330 |
| Net interest income | $4,247,000 | 3,593 |
| Provision for loan and lease losses | $340,000 | 1,992 |
| Total noninterest income | $702,000 | 3,723 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $143,000 | 5,179 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $559,000 | 2,669 |
| Total noninterest expense | $3,367,000 | 3,508 |
| Salaries and employee benefits | $2,000,000 | 3,274 |
| Premises and equipment expense | $580,000 | 2,968 |
| Additional noninterest expense | $787,000 | 4,231 |
| Pre-tax net operating income | $1,242,000 | 4,223 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $455,000 | 3,107 |
| Income before extraordinary items | $787,000 | 4,802 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $787,000 | 4,804 |
| 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 | $4,988,000 | 221 |
| Net operating income | $787,000 | 4,769 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,872,000 | 3,740 |
| Total interest expense | $1,284,000 | 3,465 |
| Net interest income | $2,588,000 | 3,821 |
| Provision for loan and lease losses | $170,000 | 2,439 |
| Total noninterest income | $432,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $89,000 | 5,278 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $343,000 | 2,813 |
| Total noninterest expense | $2,191,000 | 3,559 |
| Salaries and employee benefits | $1,302,000 | 3,326 |
| Premises and equipment expense | $379,000 | 2,991 |
| Additional noninterest expense | $510,000 | 4,311 |
| Pre-tax net operating income | $659,000 | 4,768 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $239,000 | 3,487 |
| Income before extraordinary items | $420,000 | 5,323 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $420,000 | 5,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $4,988,000 | 145 |
| Net operating income | $420,000 | 5,282 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,748,000 | 4,007 |
| Total interest expense | $591,000 | 3,541 |
| Net interest income | $1,157,000 | 4,186 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $182,000 | 4,226 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $44,000 | 5,270 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $138,000 | 3,128 |
| Total noninterest expense | $1,076,000 | 3,633 |
| Salaries and employee benefits | $645,000 | 3,344 |
| Premises and equipment expense | $189,000 | 3,019 |
| Additional noninterest expense | $242,000 | 4,456 |
| Pre-tax net operating income | $218,000 | 5,769 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $80,000 | 4,116 |
| Income before extraordinary items | $138,000 | 6,283 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $138,000 | 6,285 |
| 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 | $728,000 | 139 |
| Net operating income | $138,000 | 6,234 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 4,701 |
| Total interest expense | $1,600,000 | 4,337 |
| Net interest income | $3,628,000 | 4,801 |
| Provision for loan and lease losses | $450,000 | 2,142 |
| Total noninterest income | $826,000 | 3,962 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $165,000 | 5,611 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $661,000 | 2,816 |
| Total noninterest expense | $3,963,000 | 3,773 |
| Salaries and employee benefits | $2,294,000 | 3,572 |
| Premises and equipment expense | $676,000 | 3,222 |
| Additional noninterest expense | $993,000 | 4,378 |
| Pre-tax net operating income | $41,000 | 8,277 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $-409,000 | 8,891 |
| Income before extraordinary items | $454,000 | 6,531 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $454,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,475 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,059,000 | 396 |
| Net operating income | $450,000 | 6,485 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,633,000 | 4,942 |
| Total interest expense | $1,095,000 | 4,553 |
| Net interest income | $2,538,000 | 5,009 |
| Provision for loan and lease losses | $215,000 | 2,865 |
| Total noninterest income | $608,000 | 4,037 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $121,000 | 5,700 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $487,000 | 2,852 |
| Total noninterest expense | $2,927,000 | 3,785 |
| Salaries and employee benefits | $1,723,000 | 3,561 |
| Premises and equipment expense | $482,000 | 3,351 |
| Additional noninterest expense | $722,000 | 4,416 |
| Pre-tax net operating income | $4,000 | 8,448 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $-219,000 | 8,918 |
| Income before extraordinary items | $227,000 | 7,319 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $227,000 | 7,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $121,000 | 504 |
| Net operating income | $223,000 | 7,290 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,209,000 | 5,233 |
| Total interest expense | $674,000 | 4,774 |
| Net interest income | $1,535,000 | 5,330 |
| Provision for loan and lease losses | $110,000 | 3,324 |
| Total noninterest income | $390,000 | 4,155 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $78,000 | 5,773 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $312,000 | 2,923 |
| Total noninterest expense | $1,896,000 | 3,911 |
| Salaries and employee benefits | $1,114,000 | 3,660 |
| Premises and equipment expense | $310,000 | 3,455 |
| Additional noninterest expense | $472,000 | 4,529 |
| Pre-tax net operating income | $-81,000 | 8,671 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $-156,000 | 8,974 |
| Income before extraordinary items | $79,000 | 7,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 418 |
| Net operating income | $76,440 | 7,957 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 5,538 |
| Total interest expense | $325,000 | 4,928 |
| Net interest income | $690,000 | 5,685 |
| Provision for loan and lease losses | $31,000 | 4,037 |
| Total noninterest income | $177,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $139,000 | 3,072 |
| Total noninterest expense | $925,000 | 4,005 |
| Salaries and employee benefits | $553,000 | 3,707 |
| Premises and equipment expense | $136,000 | 3,860 |
| Additional noninterest expense | $236,000 | 4,505 |
| Pre-tax net operating income | $-89,000 | 8,782 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $-65,000 | 8,994 |
| Income before extraordinary items | $-20,000 | 8,689 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-20,000 | 8,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 307 |
| Net operating income | $-22,560 | 8,650 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,978,000 | 6,537 |
| Total interest expense | $925,000 | 6,327 |
| Net interest income | $2,053,000 | 6,514 |
| Provision for loan and lease losses | $503,000 | 2,153 |
| Total noninterest income | $606,000 | 4,939 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $122,000 | 6,246 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $484,000 | 3,640 |
| Total noninterest expense | $3,217,000 | 4,393 |
| Salaries and employee benefits | $1,979,000 | 3,958 |
| Premises and equipment expense | $433,000 | 4,480 |
| Additional noninterest expense | $805,000 | 5,022 |
| Pre-tax net operating income | $-1,061,000 | 8,987 |
| Securities gains (losses) | $45,000 | 2,612 |
| Applicable income taxes | $-346,000 | 9,066 |
| Income before extraordinary items | $-670,000 | 8,957 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-670,000 | 8,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,961 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 744 |
| Net operating income | $-699,700 | 8,912 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,055,000 | 6,876 |
| Total interest expense | $640,000 | 6,694 |
| Net interest income | $1,415,000 | 6,809 |
| Provision for loan and lease losses | $253,000 | 2,833 |
| Total noninterest income | $460,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $82,000 | 6,466 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $378,000 | 3,633 |
| Total noninterest expense | $2,382,000 | 4,425 |
| Salaries and employee benefits | $1,463,000 | 4,003 |
| Premises and equipment expense | $288,000 | 4,857 |
| Additional noninterest expense | $631,000 | 4,835 |
| Pre-tax net operating income | $-760,000 | 9,031 |
| Securities gains (losses) | $44,000 | 2,422 |
| Applicable income taxes | $-126,000 | 9,085 |
| Income before extraordinary items | $-590,000 | 9,050 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-590,000 | 9,048 |
| 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 | $30,000 | 598 |
| Net operating income | $-626,080 | 9,010 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 7,148 |
| Total interest expense | $410,000 | 6,913 |
| Net interest income | $851,000 | 7,113 |
| Provision for loan and lease losses | $175,000 | 2,769 |
| Total noninterest income | $291,000 | 5,071 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $52,000 | 6,525 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $239,000 | 3,703 |
| Total noninterest expense | $1,516,000 | 4,547 |
| Salaries and employee benefits | $931,000 | 4,146 |
| Premises and equipment expense | $179,000 | 5,067 |
| Additional noninterest expense | $406,000 | 4,954 |
| Pre-tax net operating income | $-549,000 | 9,084 |
| Securities gains (losses) | $45,000 | 2,091 |
| Applicable income taxes | $-88,000 | 9,126 |
| Income before extraordinary items | $-416,000 | 9,100 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-416,000 | 9,099 |
| 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 | $21,000 | 495 |
| Net operating income | $-453,350 | 9,058 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $585,000 | 7,388 |
| Total interest expense | $192,000 | 7,192 |
| Net interest income | $393,000 | 7,336 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $141,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $6,000 | 7,883 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $135,000 | 3,397 |
| Total noninterest expense | $716,000 | 4,726 |
| Salaries and employee benefits | $433,000 | 4,369 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $198,000 | 4,993 |
| Pre-tax net operating income | $-287,000 | 9,137 |
| Securities gains (losses) | $45,000 | 1,448 |
| Applicable income taxes | $-41,000 | 9,167 |
| Income before extraordinary items | $-201,000 | 9,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-201,000 | 9,128 |
| 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 | $11,000 | 345 |
| Net operating income | $-238,350 | 9,103 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 8,683 |
| Total interest expense | $391,000 | 8,684 |
| Net interest income | $810,000 | 8,569 |
| Provision for loan and lease losses | $312,000 | 3,341 |
| Total noninterest income | $196,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $27,000 | 7,890 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $169,000 | 5,349 |
| Total noninterest expense | $2,098,000 | 5,713 |
| Salaries and employee benefits | $1,240,000 | 5,372 |
| Premises and equipment expense | $270,000 | 5,893 |
| Additional noninterest expense | $588,000 | 6,007 |
| Pre-tax net operating income | $-1,404,000 | 9,194 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-278,000 | 9,176 |
| Income before extraordinary items | $-1,126,000 | 9,200 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,126,000 | 9,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,244,000 | 351 |
| Net operating income | $-1,126,000 | 9,166 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $45,000 | 9,592 |
| Total interest expense | $0 | 9,598 |
| Net interest income | $45,000 | 9,579 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $0 | 9,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $574,000 | 8,996 |
| Salaries and employee benefits | $269,000 | 9,185 |
| Premises and equipment expense | $87,000 | 8,512 |
| Additional noninterest expense | $218,000 | 8,521 |
| Pre-tax net operating income | $-560,000 | 9,193 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-560,000 | 9,260 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-560,000 | 9,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $8,670,000 | 88 |
| Net operating income | $-560,000 | 9,222 |
* 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.