Home > First National Bank of New York > Income and Expense
First National Bank of New York, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,629,000 | 2,774 |
| Total interest expense | $2,854,000 | 1,187 |
| Net interest income | $5,775,000 | 3,355 |
| Provision for loan and lease losses | $2,713,000 | 476 |
| Total noninterest income | $685,000 | 3,904 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $121,000 | 4,940 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $564,000 | 3,208 |
| Total noninterest expense | $13,203,000 | 1,476 |
| Salaries and employee benefits | $6,263,000 | 1,640 |
| Premises and equipment expense | $2,515,000 | 958 |
| Additional noninterest expense | $4,425,000 | 1,494 |
| Pre-tax net operating income | $-9,456,000 | 6,791 |
| Securities gains (losses) | $394,000 | 557 |
| Applicable income taxes | $3,426,000 | 607 |
| Income before extraordinary items | $-12,488,000 | 6,791 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,488,000 | 6,791 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-12,488,000 | 6,791 |
| Net charge-offs | $3,277,000 | 503 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $2,700,000 | 134 |
| Net operating income | $-12,882,000 | 6,791 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,711,000 | 2,702 |
| Total interest expense | $2,206,000 | 1,188 |
| Net interest income | $4,505,000 | 3,292 |
| Provision for loan and lease losses | $724,000 | 1,154 |
| Total noninterest income | $574,000 | 3,771 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $91,000 | 4,977 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $483,000 | 3,067 |
| Total noninterest expense | $10,242,000 | 1,441 |
| Salaries and employee benefits | $4,887,000 | 1,597 |
| Premises and equipment expense | $1,916,000 | 952 |
| Additional noninterest expense | $3,439,000 | 1,438 |
| Pre-tax net operating income | $-5,887,000 | 6,867 |
| Securities gains (losses) | $394,000 | 513 |
| Applicable income taxes | $28,000 | 3,971 |
| Income before extraordinary items | $-5,521,000 | 6,861 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-5,521,000 | 6,862 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-5,521,000 | 6,862 |
| Net charge-offs | $553,000 | 1,491 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $2,700,000 | 97 |
| Net operating income | $-5,915,000 | 6,862 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,737,000 | 2,566 |
| Total interest expense | $1,505,000 | 1,190 |
| Net interest income | $3,232,000 | 3,110 |
| Provision for loan and lease losses | $476,000 | 1,210 |
| Total noninterest income | $306,000 | 4,184 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $58,000 | 5,050 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $248,000 | 3,455 |
| Total noninterest expense | $7,062,000 | 1,393 |
| Salaries and employee benefits | $3,330,000 | 1,563 |
| Premises and equipment expense | $1,242,000 | 980 |
| Additional noninterest expense | $2,490,000 | 1,330 |
| Pre-tax net operating income | $-4,000,000 | 6,911 |
| Securities gains (losses) | $3,000 | 2,553 |
| Applicable income taxes | $17,000 | 4,005 |
| Income before extraordinary items | $-4,014,000 | 6,908 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-4,014,000 | 6,909 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-4,014,000 | 6,909 |
| Net charge-offs | $480,000 | 1,287 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $2,700,000 | 65 |
| Net operating income | $-4,017,000 | 6,907 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,349,000 | 2,596 |
| Total interest expense | $735,000 | 1,251 |
| Net interest income | $1,614,000 | 3,116 |
| Provision for loan and lease losses | $116,000 | 1,936 |
| Total noninterest income | $77,000 | 5,219 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $28,000 | 5,093 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $49,000 | 4,733 |
| Total noninterest expense | $3,454,000 | 1,429 |
| Salaries and employee benefits | $1,738,000 | 1,521 |
| Premises and equipment expense | $601,000 | 1,018 |
| Additional noninterest expense | $1,115,000 | 1,456 |
| Pre-tax net operating income | $-1,879,000 | 6,974 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $8,000 | 4,015 |
| Income before extraordinary items | $-1,887,000 | 6,978 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-1,887,000 | 6,979 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-1,887,000 | 6,979 |
| Net charge-offs | $215,000 | 1,303 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-1,887,000 | 6,972 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $11,220,000 | 2,315 |
| Total interest expense | $3,288,000 | 1,355 |
| Net interest income | $7,932,000 | 2,681 |
| Provision for loan and lease losses | $4,713,000 | 534 |
| Total noninterest income | $705,000 | 3,878 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $77,000 | 5,778 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $628,000 | 3,043 |
| Total noninterest expense | $12,649,000 | 1,538 |
| Salaries and employee benefits | $5,893,000 | 1,716 |
| Premises and equipment expense | $2,386,000 | 1,000 |
| Additional noninterest expense | $4,370,000 | 1,543 |
| Pre-tax net operating income | $-8,725,000 | 7,015 |
| Securities gains (losses) | $863,000 | 603 |
| Applicable income taxes | $-1,692,000 | 6,996 |
| Income before extraordinary items | $-6,170,000 | 6,989 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,170,000 | 6,988 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-6,170,000 | 6,988 |
| Net charge-offs | $5,596,000 | 527 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $1,016,000 | 220 |
| Net operating income | $-6,843,140 | 6,984 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,694,000 | 2,295 |
| Total interest expense | $2,568,000 | 1,358 |
| Net interest income | $6,126,000 | 2,665 |
| Provision for loan and lease losses | $4,775,000 | 422 |
| Total noninterest income | $481,000 | 4,084 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $59,000 | 5,818 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $422,000 | 3,196 |
| Total noninterest expense | $9,316,000 | 1,568 |
| Salaries and employee benefits | $4,171,000 | 1,810 |
| Premises and equipment expense | $1,705,000 | 1,057 |
| Additional noninterest expense | $3,440,000 | 1,473 |
| Pre-tax net operating income | $-7,484,000 | 7,124 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-2,391,000 | 7,130 |
| Income before extraordinary items | $-5,093,000 | 7,101 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-5,093,000 | 7,101 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-5,093,000 | 7,101 |
| Net charge-offs | $5,189,000 | 448 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $1,015,000 | 163 |
| Net operating income | $-5,093,000 | 7,088 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,067,000 | 2,199 |
| Total interest expense | $1,769,000 | 1,372 |
| Net interest income | $4,298,000 | 2,532 |
| Provision for loan and lease losses | $4,725,000 | 314 |
| Total noninterest income | $362,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $37,000 | 5,917 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $325,000 | 2,963 |
| Total noninterest expense | $6,044,000 | 1,614 |
| Salaries and employee benefits | $2,702,000 | 1,849 |
| Premises and equipment expense | $1,099,000 | 1,091 |
| Additional noninterest expense | $2,243,000 | 1,508 |
| Pre-tax net operating income | $-6,109,000 | 7,200 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-1,939,000 | 7,204 |
| Income before extraordinary items | $-4,170,000 | 7,176 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,170,000 | 7,176 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-4,170,000 | 7,176 |
| Net charge-offs | $5,176,000 | 334 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $1,016,000 | 117 |
| Net operating income | $-4,170,000 | 7,173 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,231,000 | 2,097 |
| Total interest expense | $921,000 | 1,368 |
| Net interest income | $2,310,000 | 2,372 |
| Provision for loan and lease losses | $275,000 | 1,672 |
| Total noninterest income | $50,000 | 5,838 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $19,000 | 5,880 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $31,000 | 5,311 |
| Total noninterest expense | $2,802,000 | 1,722 |
| Salaries and employee benefits | $1,138,000 | 2,197 |
| Premises and equipment expense | $521,000 | 1,151 |
| Additional noninterest expense | $1,143,000 | 1,476 |
| Pre-tax net operating income | $-717,000 | 7,109 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-120,000 | 7,185 |
| Income before extraordinary items | $-597,000 | 7,103 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-597,000 | 7,102 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-597,000 | 7,103 |
| Net charge-offs | $66,000 | 2,806 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 537 |
| Net operating income | $-597,000 | 7,090 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,199,000 | 1,850 |
| Total interest expense | $4,342,000 | 1,394 |
| Net interest income | $10,857,000 | 2,012 |
| Provision for loan and lease losses | $1,550,000 | 1,850 |
| Total noninterest income | $2,380,000 | 1,781 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $88,000 | 5,691 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,292,000 | 1,241 |
| Total noninterest expense | $10,324,000 | 1,857 |
| Salaries and employee benefits | $4,750,000 | 2,040 |
| Premises and equipment expense | $2,100,000 | 1,190 |
| Additional noninterest expense | $3,474,000 | 1,939 |
| Pre-tax net operating income | $1,363,000 | 3,188 |
| Securities gains (losses) | $358,000 | 1,007 |
| Applicable income taxes | $1,160,000 | 1,222 |
| Income before extraordinary items | $561,000 | 4,492 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $561,000 | 4,495 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $561,000 | 4,494 |
| Net charge-offs | $2,975,000 | 1,205 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $1,925,000 | 247 |
| Net operating income | $331,880 | 5,032 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,540,000 | 1,845 |
| Total interest expense | $3,374,000 | 1,407 |
| Net interest income | $8,166,000 | 2,016 |
| Provision for loan and lease losses | $1,550,000 | 1,477 |
| Total noninterest income | $1,280,000 | 2,236 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $67,000 | 5,681 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,213,000 | 1,547 |
| Total noninterest expense | $7,178,000 | 2,002 |
| Salaries and employee benefits | $3,378,000 | 2,150 |
| Premises and equipment expense | $1,585,000 | 1,192 |
| Additional noninterest expense | $2,215,000 | 2,247 |
| Pre-tax net operating income | $718,000 | 3,924 |
| Securities gains (losses) | $358,000 | 802 |
| Applicable income taxes | $502,000 | 1,736 |
| Income before extraordinary items | $574,000 | 4,102 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $574,000 | 4,104 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $574,000 | 4,104 |
| Net charge-offs | $2,295,000 | 1,113 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $1,910,000 | 213 |
| Net operating income | $344,880 | 4,754 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,804,000 | 1,837 |
| Total interest expense | $2,286,000 | 1,432 |
| Net interest income | $5,518,000 | 1,991 |
| Provision for loan and lease losses | $550,000 | 2,190 |
| Total noninterest income | $148,000 | 5,332 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $47,000 | 5,624 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 4,526 |
| Total noninterest expense | $4,847,000 | 1,999 |
| Salaries and employee benefits | $2,247,000 | 2,174 |
| Premises and equipment expense | $1,024,000 | 1,253 |
| Additional noninterest expense | $1,576,000 | 2,150 |
| Pre-tax net operating income | $269,000 | 4,753 |
| Securities gains (losses) | $358,000 | 476 |
| Applicable income taxes | $301,000 | 1,791 |
| Income before extraordinary items | $326,000 | 4,325 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $326,000 | 4,324 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $326,000 | 4,326 |
| Net charge-offs | $1,170,000 | 1,341 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $1,894,000 | 122 |
| Net operating income | $96,880 | 5,639 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,016,000 | 1,797 |
| Total interest expense | $1,168,000 | 1,456 |
| Net interest income | $2,848,000 | 1,935 |
| Provision for loan and lease losses | $400,000 | 1,629 |
| Total noninterest income | $44,000 | 6,090 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $25,000 | 5,503 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 5,847 |
| Total noninterest expense | $2,423,000 | 1,999 |
| Salaries and employee benefits | $1,169,000 | 2,100 |
| Premises and equipment expense | $514,000 | 1,272 |
| Additional noninterest expense | $740,000 | 2,248 |
| Pre-tax net operating income | $69,000 | 5,502 |
| Securities gains (losses) | $286,000 | 259 |
| Applicable income taxes | $171,000 | 1,662 |
| Income before extraordinary items | $184,000 | 4,130 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $184,000 | 4,129 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $184,000 | 4,130 |
| Net charge-offs | $561,000 | 1,249 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $1,561,000 | 73 |
| Net operating income | $960 | 6,347 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,509,000 | 1,832 |
| Total interest expense | $5,136,000 | 1,621 |
| Net interest income | $11,373,000 | 1,920 |
| Provision for loan and lease losses | $2,700,000 | 1,733 |
| Total noninterest income | $459,000 | 4,730 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $206,000 | 4,351 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $253,000 | 4,230 |
| Total noninterest expense | $9,713,000 | 2,001 |
| Salaries and employee benefits | $4,510,000 | 2,151 |
| Premises and equipment expense | $1,912,000 | 1,345 |
| Additional noninterest expense | $3,291,000 | 2,115 |
| Pre-tax net operating income | $-581,000 | 6,291 |
| Securities gains (losses) | $697,000 | 670 |
| Applicable income taxes | $239,000 | 2,568 |
| Income before extraordinary items | $-123,000 | 6,104 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-123,000 | 6,103 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-123,000 | 6,104 |
| Net charge-offs | $2,903,000 | 1,492 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $1,707,000 | 294 |
| Net operating income | $-569,080 | 6,365 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,501,000 | 1,854 |
| Total interest expense | $3,959,000 | 1,642 |
| Net interest income | $8,542,000 | 1,942 |
| Provision for loan and lease losses | $2,200,000 | 1,557 |
| Total noninterest income | $312,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $143,000 | 4,574 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $169,000 | 4,466 |
| Total noninterest expense | $7,165,000 | 2,025 |
| Salaries and employee benefits | $3,445,000 | 2,103 |
| Premises and equipment expense | $1,437,000 | 1,360 |
| Additional noninterest expense | $2,283,000 | 2,240 |
| Pre-tax net operating income | $-511,000 | 6,557 |
| Securities gains (losses) | $190,000 | 1,410 |
| Applicable income taxes | $-36,000 | 6,939 |
| Income before extraordinary items | $-285,000 | 6,515 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-285,000 | 6,516 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-285,000 | 6,515 |
| Net charge-offs | $2,273,000 | 1,386 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $192,000 | 513 |
| Net operating income | $-454,100 | 6,577 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,500,000 | 1,838 |
| Total interest expense | $2,680,000 | 1,682 |
| Net interest income | $5,820,000 | 1,917 |
| Provision for loan and lease losses | $2,200,000 | 1,193 |
| Total noninterest income | $192,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $76,000 | 4,972 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $116,000 | 4,389 |
| Total noninterest expense | $4,832,000 | 2,019 |
| Salaries and employee benefits | $2,389,000 | 2,031 |
| Premises and equipment expense | $950,000 | 1,395 |
| Additional noninterest expense | $1,493,000 | 2,265 |
| Pre-tax net operating income | $-1,020,000 | 7,022 |
| Securities gains (losses) | $190,000 | 979 |
| Applicable income taxes | $-260,000 | 7,370 |
| Income before extraordinary items | $-570,000 | 6,904 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-570,000 | 6,904 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-570,000 | 6,904 |
| Net charge-offs | $2,506,000 | 949 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $176,000 | 390 |
| Net operating income | $-701,100 | 6,927 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,423,000 | 1,808 |
| Total interest expense | $1,370,000 | 1,725 |
| Net interest income | $3,053,000 | 1,858 |
| Provision for loan and lease losses | $2,200,000 | 694 |
| Total noninterest income | $81,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $32,000 | 5,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $49,000 | 4,728 |
| Total noninterest expense | $2,357,000 | 2,071 |
| Salaries and employee benefits | $1,198,000 | 2,055 |
| Premises and equipment expense | $464,000 | 1,465 |
| Additional noninterest expense | $695,000 | 2,391 |
| Pre-tax net operating income | $-1,423,000 | 7,507 |
| Securities gains (losses) | $190,000 | 536 |
| Applicable income taxes | $-455,000 | 7,697 |
| Income before extraordinary items | $-778,000 | 7,402 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-778,000 | 7,402 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-778,000 | 7,403 |
| Net charge-offs | $2,427,000 | 565 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 312 |
| Net operating income | $-899,600 | 7,429 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,653,000 | 2,045 |
| Total interest expense | $6,230,000 | 1,871 |
| Net interest income | $10,423,000 | 2,107 |
| Provision for loan and lease losses | $3,760,000 | 1,719 |
| Total noninterest income | $314,000 | 5,531 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $127,000 | 5,421 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $187,000 | 4,742 |
| Total noninterest expense | $8,212,000 | 2,409 |
| Salaries and employee benefits | $4,215,000 | 2,341 |
| Premises and equipment expense | $1,611,000 | 1,678 |
| Additional noninterest expense | $2,386,000 | 2,860 |
| Pre-tax net operating income | $-1,235,000 | 6,347 |
| Securities gains (losses) | $628,000 | 744 |
| Applicable income taxes | $-2,870,000 | 7,616 |
| Income before extraordinary items | $2,263,000 | 1,474 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,263,000 | 1,472 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,263,000 | 1,473 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $338,000 | 611 |
| Net operating income | $1,861,080 | 1,753 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,160,000 | 2,128 |
| Total interest expense | $4,697,000 | 1,933 |
| Net interest income | $7,463,000 | 2,200 |
| Provision for loan and lease losses | $3,335,000 | 1,387 |
| Total noninterest income | $218,000 | 5,725 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $77,000 | 5,761 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $141,000 | 4,874 |
| Total noninterest expense | $5,926,000 | 2,492 |
| Salaries and employee benefits | $3,046,000 | 2,446 |
| Premises and equipment expense | $1,132,000 | 1,811 |
| Additional noninterest expense | $1,748,000 | 2,884 |
| Pre-tax net operating income | $-1,580,000 | 6,898 |
| Securities gains (losses) | $628,000 | 578 |
| Applicable income taxes | $-3,007,000 | 7,815 |
| Income before extraordinary items | $2,055,000 | 1,304 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,055,000 | 1,303 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,055,000 | 1,304 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $236,000 | 553 |
| Net operating income | $1,653,080 | 1,577 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,909,000 | 2,210 |
| Total interest expense | $3,293,000 | 1,936 |
| Net interest income | $4,616,000 | 2,361 |
| Provision for loan and lease losses | $2,590,000 | 1,195 |
| Total noninterest income | $110,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $46,000 | 5,925 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $64,000 | 5,483 |
| Total noninterest expense | $3,917,000 | 2,549 |
| Salaries and employee benefits | $1,958,000 | 2,562 |
| Premises and equipment expense | $690,000 | 1,993 |
| Additional noninterest expense | $1,269,000 | 2,701 |
| Pre-tax net operating income | $-1,781,000 | 7,329 |
| Securities gains (losses) | $497,000 | 507 |
| Applicable income taxes | $-3,138,000 | 7,981 |
| Income before extraordinary items | $1,854,000 | 1,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,854,000 | 1,027 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,854,000 | 1,028 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $133,000 | 546 |
| Net operating income | $1,535,920 | 1,197 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 2,265 |
| Total interest expense | $1,719,000 | 1,926 |
| Net interest income | $2,152,000 | 2,514 |
| Provision for loan and lease losses | $555,000 | 1,684 |
| Total noninterest income | $36,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $18,000 | 6,172 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $18,000 | 6,276 |
| Total noninterest expense | $1,865,000 | 2,580 |
| Salaries and employee benefits | $962,000 | 2,627 |
| Premises and equipment expense | $334,000 | 2,084 |
| Additional noninterest expense | $569,000 | 2,683 |
| Pre-tax net operating income | $-232,000 | 6,944 |
| Securities gains (losses) | $199,000 | 672 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-33,000 | 6,582 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-33,000 | 6,583 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-33,000 | 6,583 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 379 |
| Net operating income | $-232,000 | 7,019 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,585,000 | 3,133 |
| Total interest expense | $5,485,000 | 2,734 |
| Net interest income | $6,100,000 | 3,432 |
| Provision for loan and lease losses | $1,300,000 | 2,331 |
| Total noninterest income | $117,000 | 7,143 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 7,038 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $97,000 | 5,960 |
| Total noninterest expense | $5,931,000 | 3,111 |
| Salaries and employee benefits | $3,008,000 | 3,243 |
| Premises and equipment expense | $1,217,000 | 2,214 |
| Additional noninterest expense | $1,706,000 | 3,289 |
| Pre-tax net operating income | $-1,014,000 | 7,023 |
| Securities gains (losses) | $321,000 | 519 |
| Applicable income taxes | $19,000 | 4,294 |
| Income before extraordinary items | $-712,000 | 6,836 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-712,000 | 6,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $366,000 | 619 |
| Net operating income | $-1,033,000 | 7,133 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,836,000 | 3,478 |
| Total interest expense | $3,656,000 | 3,127 |
| Net interest income | $4,180,000 | 3,692 |
| Provision for loan and lease losses | $925,000 | 1,919 |
| Total noninterest income | $62,000 | 7,603 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $13,000 | 7,126 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $49,000 | 6,608 |
| Total noninterest expense | $4,251,000 | 3,217 |
| Salaries and employee benefits | $2,151,000 | 3,418 |
| Premises and equipment expense | $846,000 | 2,378 |
| Additional noninterest expense | $1,254,000 | 3,259 |
| Pre-tax net operating income | $-934,000 | 7,489 |
| Securities gains (losses) | $142,000 | 779 |
| Applicable income taxes | $12,000 | 4,805 |
| Income before extraordinary items | $-804,000 | 7,406 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-804,000 | 7,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 502 |
| Net operating income | $-946,000 | 7,591 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,599,000 | 3,867 |
| Total interest expense | $2,229,000 | 3,471 |
| Net interest income | $2,370,000 | 4,110 |
| Provision for loan and lease losses | $610,000 | 1,675 |
| Total noninterest income | $26,000 | 7,934 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $8,000 | 7,191 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $18,000 | 7,278 |
| Total noninterest expense | $2,803,000 | 3,268 |
| Salaries and employee benefits | $1,385,000 | 3,543 |
| Premises and equipment expense | $543,000 | 2,455 |
| Additional noninterest expense | $875,000 | 3,089 |
| Pre-tax net operating income | $-1,017,000 | 7,927 |
| Securities gains (losses) | $142,000 | 766 |
| Applicable income taxes | $7,000 | 5,127 |
| Income before extraordinary items | $-882,000 | 7,946 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-882,000 | 7,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 434 |
| Net operating income | $-1,024,000 | 7,993 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,824,000 | 4,584 |
| Total interest expense | $933,000 | 4,082 |
| Net interest income | $891,000 | 4,979 |
| Provision for loan and lease losses | $325,000 | 1,299 |
| Total noninterest income | $13,000 | 7,947 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $3,000 | 7,255 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,000 | 7,226 |
| Total noninterest expense | $1,348,000 | 3,374 |
| Salaries and employee benefits | $701,000 | 3,538 |
| Premises and equipment expense | $272,000 | 2,476 |
| Additional noninterest expense | $375,000 | 3,476 |
| Pre-tax net operating income | $-769,000 | 8,222 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-769,000 | 8,263 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-769,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 338 |
| Net operating income | $-769,000 | 8,250 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,506,000 | 6,518 |
| Total interest expense | $2,013,000 | 5,820 |
| Net interest income | $1,493,000 | 7,114 |
| Provision for loan and lease losses | $275,000 | 3,345 |
| Total noninterest income | $11,000 | 8,300 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $7,000 | 7,355 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,000 | 8,218 |
| Total noninterest expense | $5,553,000 | 3,166 |
| Salaries and employee benefits | $2,498,000 | 3,717 |
| Premises and equipment expense | $798,000 | 3,087 |
| Additional noninterest expense | $2,257,000 | 2,388 |
| Pre-tax net operating income | $-4,324,000 | 8,431 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-4,324,000 | 8,439 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,324,000 | 8,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $33,085,000 | 30 |
| Net operating income | $-4,324,000 | 8,436 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,003,000 | 7,112 |
| Total interest expense | $1,043,000 | 6,614 |
| Net interest income | $960,000 | 7,457 |
| Provision for loan and lease losses | $42,000 | 5,286 |
| Total noninterest income | $7,000 | 8,362 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,480 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $6,000 | 8,162 |
| Total noninterest expense | $4,226,000 | 3,093 |
| Salaries and employee benefits | $1,832,000 | 3,791 |
| Premises and equipment expense | $529,000 | 3,400 |
| Additional noninterest expense | $1,865,000 | 2,136 |
| Pre-tax net operating income | $-3,301,000 | 8,501 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-3,301,000 | 8,509 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-3,301,000 | 8,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $32,993,000 | 20 |
| Net operating income | $-3,301,000 | 8,502 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $810,000 | 7,930 |
| Total interest expense | $300,000 | 7,895 |
| Net interest income | $510,000 | 7,836 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $4,000 | 8,439 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,000 | 7,510 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $2,914,000 | 3,039 |
| Salaries and employee benefits | $1,159,000 | 3,959 |
| Premises and equipment expense | $274,000 | 4,110 |
| Additional noninterest expense | $1,481,000 | 1,830 |
| Pre-tax net operating income | $-2,400,000 | 8,565 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-2,400,000 | 8,577 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,400,000 | 8,574 |
| 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 | $32,905,000 | 16 |
| Net operating income | $-2,400,000 | 8,566 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $141,000 | 8,541 |
| Total interest expense | $13,000 | 8,562 |
| Net interest income | $128,000 | 8,445 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,000 | 8,512 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $2,170,000 | 2,132 |
| Salaries and employee benefits | $921,000 | 2,733 |
| Premises and equipment expense | $88,000 | 5,432 |
| Additional noninterest expense | $1,161,000 | 1,175 |
| Pre-tax net operating income | $-2,041,000 | 8,625 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-2,041,000 | 8,622 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-2,041,000 | 8,621 |
| 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 | $33,124,000 | 9 |
| Net operating income | $-2,041,000 | 8,617 |
* 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.