Home > FirsTier Bank > Income and Expense
FirsTier Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $31,497,000 | 966 |
| Total interest expense | $15,006,000 | 521 |
| Net interest income | $16,491,000 | 1,355 |
| Provision for loan and lease losses | $27,100,000 | 279 |
| Total noninterest income | $4,542,000 | 1,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $330,000 | 3,449 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,212,000 | 840 |
| Total noninterest expense | $22,717,000 | 890 |
| Salaries and employee benefits | $7,189,000 | 1,363 |
| Premises and equipment expense | $2,418,000 | 1,073 |
| Additional noninterest expense | $13,110,000 | 580 |
| Pre-tax net operating income | $-28,784,000 | 7,564 |
| Securities gains (losses) | $481,000 | 921 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-28,303,000 | 7,557 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-28,303,000 | 7,557 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-28,303,000 | 7,557 |
| Net charge-offs | $28,000,000 | 256 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-28,784,000 | 7,557 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $24,863,000 | 937 |
| Total interest expense | $11,803,000 | 517 |
| Net interest income | $13,060,000 | 1,299 |
| Provision for loan and lease losses | $16,500,000 | 326 |
| Total noninterest income | $4,002,000 | 999 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $247,000 | 3,520 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,755,000 | 700 |
| Total noninterest expense | $16,936,000 | 876 |
| Salaries and employee benefits | $5,512,000 | 1,336 |
| Premises and equipment expense | $1,826,000 | 1,075 |
| Additional noninterest expense | $9,598,000 | 572 |
| Pre-tax net operating income | $-16,374,000 | 7,634 |
| Securities gains (losses) | $318,000 | 1,038 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-16,056,000 | 7,636 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-16,056,000 | 7,636 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-16,056,000 | 7,636 |
| Net charge-offs | $16,144,000 | 304 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-16,374,000 | 7,637 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $17,387,000 | 893 |
| Total interest expense | $8,331,000 | 508 |
| Net interest income | $9,056,000 | 1,260 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $365,000 | 3,827 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $170,000 | 3,465 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $195,000 | 3,542 |
| Total noninterest expense | $9,530,000 | 1,032 |
| Salaries and employee benefits | $3,742,000 | 1,319 |
| Premises and equipment expense | $1,234,000 | 1,080 |
| Additional noninterest expense | $4,554,000 | 786 |
| Pre-tax net operating income | $-109,000 | 6,293 |
| Securities gains (losses) | $320,000 | 680 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $211,000 | 4,823 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $211,000 | 4,824 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $211,000 | 4,823 |
| Net charge-offs | $11,500,000 | 294 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-109,000 | 6,358 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $9,293,000 | 848 |
| Total interest expense | $4,411,000 | 506 |
| Net interest income | $4,882,000 | 1,160 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $148,000 | 4,310 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $82,000 | 3,542 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $66,000 | 4,229 |
| Total noninterest expense | $4,765,000 | 1,041 |
| Salaries and employee benefits | $1,895,000 | 1,322 |
| Premises and equipment expense | $628,000 | 1,087 |
| Additional noninterest expense | $2,242,000 | 804 |
| Pre-tax net operating income | $265,000 | 3,584 |
| Securities gains (losses) | $-2,000 | 7,398 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $263,000 | 3,386 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $263,000 | 3,384 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $263,000 | 3,386 |
| Net charge-offs | $3,332,000 | 451 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $265,000 | 3,252 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $43,715,000 | 760 |
| Total interest expense | $22,278,000 | 503 |
| Net interest income | $21,437,000 | 1,020 |
| Provision for loan and lease losses | $39,350,000 | 305 |
| Total noninterest income | $195,000 | 6,267 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $427,000 | 3,202 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-232,000 | 7,703 |
| Total noninterest expense | $18,327,000 | 1,134 |
| Salaries and employee benefits | $7,550,000 | 1,318 |
| Premises and equipment expense | $2,313,000 | 1,175 |
| Additional noninterest expense | $8,464,000 | 935 |
| Pre-tax net operating income | $-36,045,000 | 7,827 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-36,045,000 | 7,836 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-36,249,000 | 7,838 |
| Minority interest net income | $204,000 | 56 |
| Net income of bank and minority interests. | $-36,045,000 | 7,836 |
| Net charge-offs | $9,809,000 | 697 |
| Cash dividends | $1,230,000 | 1,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-36,045,000 | 7,841 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $34,548,000 | 737 |
| Total interest expense | $17,209,000 | 517 |
| Net interest income | $17,339,000 | 936 |
| Provision for loan and lease losses | $16,250,000 | 444 |
| Total noninterest income | $1,289,000 | 2,403 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $333,000 | 3,130 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $956,000 | 1,883 |
| Total noninterest expense | $11,045,000 | 1,384 |
| Salaries and employee benefits | $5,697,000 | 1,331 |
| Premises and equipment expense | $1,730,000 | 1,191 |
| Additional noninterest expense | $3,618,000 | 1,491 |
| Pre-tax net operating income | $-8,667,000 | 7,698 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-8,667,000 | 7,745 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-8,812,000 | 7,748 |
| Minority interest net income | $145,000 | 63 |
| Net income of bank and minority interests. | $-8,667,000 | 7,744 |
| Net charge-offs | $7,258,000 | 636 |
| Cash dividends | $1,230,000 | 1,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-8,667,000 | 7,749 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $23,298,000 | 747 |
| Total interest expense | $12,213,000 | 523 |
| Net interest income | $11,085,000 | 970 |
| Provision for loan and lease losses | $14,750,000 | 364 |
| Total noninterest income | $934,000 | 2,289 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $212,000 | 3,207 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $722,000 | 1,781 |
| Total noninterest expense | $7,335,000 | 1,412 |
| Salaries and employee benefits | $3,797,000 | 1,366 |
| Premises and equipment expense | $1,189,000 | 1,189 |
| Additional noninterest expense | $2,349,000 | 1,558 |
| Pre-tax net operating income | $-10,066,000 | 7,921 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-10,066,000 | 7,951 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-9,886,000 | 7,946 |
| Minority interest net income | $-180,000 | 8,184 |
| Net income of bank and minority interests. | $-10,066,000 | 7,950 |
| Net charge-offs | $6,189,000 | 509 |
| Cash dividends | $1,190,000 | 766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-10,066,000 | 7,953 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $11,374,000 | 771 |
| Total interest expense | $6,264,000 | 521 |
| Net interest income | $5,110,000 | 1,066 |
| Provision for loan and lease losses | $5,700,000 | 370 |
| Total noninterest income | $512,000 | 2,104 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $87,000 | 3,531 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $425,000 | 1,555 |
| Total noninterest expense | $3,311,000 | 1,509 |
| Salaries and employee benefits | $1,932,000 | 1,340 |
| Premises and equipment expense | $582,000 | 1,228 |
| Additional noninterest expense | $797,000 | 2,005 |
| Pre-tax net operating income | $-3,389,000 | 7,970 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-3,389,000 | 7,999 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,317,000 | 7,993 |
| Minority interest net income | $-72,000 | 8,237 |
| Net income of bank and minority interests. | $-3,389,000 | 8,000 |
| Net charge-offs | $122,000 | 2,654 |
| Cash dividends | $650,000 | 672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,389,000 | 8,006 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $43,497,000 | 865 |
| Total interest expense | $23,781,000 | 669 |
| Net interest income | $19,716,000 | 1,111 |
| Provision for loan and lease losses | $5,195,000 | 981 |
| Total noninterest income | $834,000 | 3,788 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $181,000 | 4,975 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $653,000 | 2,753 |
| Total noninterest expense | $13,233,000 | 1,471 |
| Salaries and employee benefits | $8,014,000 | 1,256 |
| Premises and equipment expense | $1,956,000 | 1,415 |
| Additional noninterest expense | $3,263,000 | 1,876 |
| Pre-tax net operating income | $2,122,000 | 2,339 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $2,122,000 | 1,878 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,122,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,319,000 | 1,176 |
| Cash dividends | $2,407,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,122,000 | 2,003 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $31,326,000 | 929 |
| Total interest expense | $17,303,000 | 721 |
| Net interest income | $14,023,000 | 1,206 |
| Provision for loan and lease losses | $1,995,000 | 1,195 |
| Total noninterest income | $764,000 | 3,448 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $123,000 | 5,189 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $641,000 | 2,442 |
| Total noninterest expense | $9,920,000 | 1,466 |
| Salaries and employee benefits | $6,042,000 | 1,269 |
| Premises and equipment expense | $1,647,000 | 1,251 |
| Additional noninterest expense | $2,231,000 | 1,957 |
| Pre-tax net operating income | $2,872,000 | 1,696 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $2,872,000 | 1,292 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,872,000 | 1,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $773,000 | 1,529 |
| Cash dividends | $1,589,000 | 1,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,872,000 | 1,365 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,866,000 | 980 |
| Total interest expense | $11,133,000 | 767 |
| Net interest income | $8,733,000 | 1,278 |
| Provision for loan and lease losses | $1,200,000 | 1,093 |
| Total noninterest income | $326,000 | 4,453 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $78,000 | 5,295 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $248,000 | 3,361 |
| Total noninterest expense | $6,261,000 | 1,546 |
| Salaries and employee benefits | $3,846,000 | 1,358 |
| Premises and equipment expense | $1,037,000 | 1,334 |
| Additional noninterest expense | $1,378,000 | 2,066 |
| Pre-tax net operating income | $1,598,000 | 2,068 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,598,000 | 1,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,598,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $821,000 | 970 |
| Cash dividends | $1,289,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,598,000 | 1,666 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,757,000 | 1,033 |
| Total interest expense | $5,392,000 | 842 |
| Net interest income | $4,365,000 | 1,270 |
| Provision for loan and lease losses | $550,000 | 955 |
| Total noninterest income | $173,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $34,000 | 5,506 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $139,000 | 3,174 |
| Total noninterest expense | $3,121,000 | 1,538 |
| Salaries and employee benefits | $1,959,000 | 1,325 |
| Premises and equipment expense | $526,000 | 1,314 |
| Additional noninterest expense | $636,000 | 2,198 |
| Pre-tax net operating income | $867,000 | 2,019 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $867,000 | 1,703 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $867,000 | 1,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $684,000 | 1,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $867,000 | 1,642 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $34,267,000 | 1,224 |
| Total interest expense | $16,289,000 | 1,222 |
| Net interest income | $17,978,000 | 1,242 |
| Provision for loan and lease losses | $2,300,000 | 751 |
| Total noninterest income | $393,000 | 5,528 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $142,000 | 5,509 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $251,000 | 4,580 |
| Total noninterest expense | $11,180,000 | 1,651 |
| Salaries and employee benefits | $7,047,000 | 1,438 |
| Premises and equipment expense | $1,716,000 | 1,547 |
| Additional noninterest expense | $2,417,000 | 2,239 |
| Pre-tax net operating income | $4,891,000 | 1,674 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,891,000 | 1,309 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,891,000 | 1,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 1,540 |
| Cash dividends | $2,402,000 | 1,417 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 828 |
| Net operating income | $4,891,000 | 1,296 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,346,000 | 1,310 |
| Total interest expense | $11,337,000 | 1,321 |
| Net interest income | $13,009,000 | 1,289 |
| Provision for loan and lease losses | $1,700,000 | 591 |
| Total noninterest income | $268,000 | 5,757 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $100,000 | 5,632 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $168,000 | 4,854 |
| Total noninterest expense | $7,983,000 | 1,724 |
| Salaries and employee benefits | $4,983,000 | 1,514 |
| Premises and equipment expense | $1,183,000 | 1,668 |
| Additional noninterest expense | $1,817,000 | 2,194 |
| Pre-tax net operating income | $3,594,000 | 1,823 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $3,594,000 | 1,421 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,594,000 | 1,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,015 |
| Cash dividends | $1,612,000 | 1,421 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 665 |
| Net operating income | $3,594,000 | 1,408 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,997,000 | 1,448 |
| Total interest expense | $7,017,000 | 1,423 |
| Net interest income | $7,980,000 | 1,436 |
| Provision for loan and lease losses | $1,100,000 | 543 |
| Total noninterest income | $170,000 | 5,899 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $65,000 | 5,696 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $105,000 | 5,037 |
| Total noninterest expense | $5,033,000 | 1,831 |
| Salaries and employee benefits | $3,073,000 | 1,666 |
| Premises and equipment expense | $790,000 | 1,688 |
| Additional noninterest expense | $1,170,000 | 2,271 |
| Pre-tax net operating income | $2,017,000 | 2,143 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,017,000 | 1,719 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,017,000 | 1,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,576 |
| Cash dividends | $894,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $6,151,000 | 130 |
| Net operating income | $2,017,000 | 1,697 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,893,000 | 1,584 |
| Total interest expense | $3,180,000 | 1,562 |
| Net interest income | $3,713,000 | 1,556 |
| Provision for loan and lease losses | $600,000 | 449 |
| Total noninterest income | $72,000 | 6,185 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $32,000 | 5,690 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $40,000 | 5,516 |
| Total noninterest expense | $2,371,000 | 1,948 |
| Salaries and employee benefits | $1,472,000 | 1,759 |
| Premises and equipment expense | $361,000 | 1,839 |
| Additional noninterest expense | $538,000 | 2,454 |
| Pre-tax net operating income | $814,000 | 2,534 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $814,000 | 2,033 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $814,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $331,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 118 |
| Net operating income | $814,000 | 2,023 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,315,000 | 1,953 |
| Total interest expense | $8,322,000 | 1,983 |
| Net interest income | $11,993,000 | 1,935 |
| Provision for loan and lease losses | $2,205,000 | 514 |
| Total noninterest income | $223,000 | 6,734 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $103,000 | 6,121 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $120,000 | 6,013 |
| Total noninterest expense | $7,046,000 | 2,501 |
| Salaries and employee benefits | $4,464,000 | 2,192 |
| Premises and equipment expense | $1,056,000 | 2,336 |
| Additional noninterest expense | $1,526,000 | 3,251 |
| Pre-tax net operating income | $2,965,000 | 2,800 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,965,000 | 2,302 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,965,000 | 2,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,059,000 | 650 |
| Cash dividends | $1,479,000 | 1,965 |
| Sale, conversion, retirement of capital stock, net | $3,895,000 | 341 |
| Net operating income | $2,965,000 | 2,281 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,768,000 | 2,133 |
| Total interest expense | $5,502,000 | 2,147 |
| Net interest income | $8,266,000 | 2,125 |
| Provision for loan and lease losses | $1,005,000 | 753 |
| Total noninterest income | $142,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $72,000 | 6,280 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 6,429 |
| Total noninterest expense | $5,066,000 | 2,595 |
| Salaries and employee benefits | $3,183,000 | 2,311 |
| Premises and equipment expense | $785,000 | 2,373 |
| Additional noninterest expense | $1,098,000 | 3,364 |
| Pre-tax net operating income | $2,337,000 | 2,806 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,337,000 | 2,276 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,337,000 | 2,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,262 |
| Cash dividends | $955,000 | 1,996 |
| Sale, conversion, retirement of capital stock, net | $1,996,000 | 315 |
| Net operating income | $2,337,000 | 2,260 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,212,000 | 2,314 |
| Total interest expense | $3,156,000 | 2,322 |
| Net interest income | $5,056,000 | 2,306 |
| Provision for loan and lease losses | $559,000 | 891 |
| Total noninterest income | $82,000 | 7,294 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,322 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 6,919 |
| Total noninterest expense | $3,122,000 | 2,793 |
| Salaries and employee benefits | $1,951,000 | 2,495 |
| Premises and equipment expense | $488,000 | 2,532 |
| Additional noninterest expense | $683,000 | 3,552 |
| Pre-tax net operating income | $1,457,000 | 2,935 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,457,000 | 2,391 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,457,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $829,000 | 1,676 |
| Sale, conversion, retirement of capital stock, net | $542,000 | 318 |
| Net operating income | $1,457,000 | 2,377 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 2,568 |
| Total interest expense | $1,288,000 | 2,654 |
| Net interest income | $2,302,000 | 2,478 |
| Provision for loan and lease losses | $310,000 | 751 |
| Total noninterest income | $28,000 | 7,735 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $21,000 | 6,441 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $1,463,000 | 2,945 |
| Salaries and employee benefits | $912,000 | 2,654 |
| Premises and equipment expense | $235,000 | 2,617 |
| Additional noninterest expense | $316,000 | 3,749 |
| Pre-tax net operating income | $557,000 | 3,503 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $557,000 | 2,903 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $557,000 | 2,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $382,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $507,000 | 181 |
| Net operating income | $557,000 | 2,890 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,227,000 | 3,682 |
| Total interest expense | $2,738,000 | 3,577 |
| Net interest income | $5,489,000 | 3,691 |
| Provision for loan and lease losses | $946,000 | 1,103 |
| Total noninterest income | $90,000 | 8,036 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $66,000 | 6,819 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $24,000 | 8,023 |
| Total noninterest expense | $3,914,000 | 3,923 |
| Salaries and employee benefits | $2,529,000 | 3,449 |
| Premises and equipment expense | $457,000 | 4,446 |
| Additional noninterest expense | $928,000 | 4,669 |
| Pre-tax net operating income | $719,000 | 6,103 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $719,000 | 5,611 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $719,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $382,000 | 4,069 |
| Sale, conversion, retirement of capital stock, net | $10,650,000 | 179 |
| Net operating income | $719,000 | 5,582 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,208,000 | 4,115 |
| Total interest expense | $1,711,000 | 3,931 |
| Net interest income | $3,497,000 | 4,157 |
| Provision for loan and lease losses | $671,000 | 1,114 |
| Total noninterest income | $63,000 | 8,150 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 6,963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 8,051 |
| Total noninterest expense | $2,623,000 | 4,257 |
| Salaries and employee benefits | $1,668,000 | 3,791 |
| Premises and equipment expense | $327,000 | 4,564 |
| Additional noninterest expense | $628,000 | 4,969 |
| Pre-tax net operating income | $266,000 | 7,347 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $266,000 | 7,091 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $266,000 | 7,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $195,000 | 4,115 |
| Sale, conversion, retirement of capital stock, net | $4,550,000 | 228 |
| Net operating income | $266,000 | 7,061 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,994,000 | 4,509 |
| Total interest expense | $928,000 | 4,360 |
| Net interest income | $2,066,000 | 4,518 |
| Provision for loan and lease losses | $413,000 | 1,160 |
| Total noninterest income | $36,000 | 8,267 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $23,000 | 7,185 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $13,000 | 7,996 |
| Total noninterest expense | $1,569,000 | 4,588 |
| Salaries and employee benefits | $1,005,000 | 4,063 |
| Premises and equipment expense | $198,000 | 4,857 |
| Additional noninterest expense | $366,000 | 5,383 |
| Pre-tax net operating income | $120,000 | 7,736 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $120,000 | 7,588 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $120,000 | 7,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $74,000 | 4,539 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 197 |
| Net operating income | $120,000 | 7,545 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 4,974 |
| Total interest expense | $371,000 | 4,892 |
| Net interest income | $907,000 | 4,934 |
| Provision for loan and lease losses | $148,000 | 1,498 |
| Total noninterest income | $16,000 | 8,407 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $726,000 | 4,861 |
| Salaries and employee benefits | $474,000 | 4,261 |
| Premises and equipment expense | $91,000 | 5,179 |
| Additional noninterest expense | $161,000 | 5,778 |
| Pre-tax net operating income | $49,000 | 7,909 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $49,000 | 7,780 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $49,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 93 |
| Net operating income | $49,000 | 7,751 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,729,000 | 6,676 |
| Total interest expense | $689,000 | 6,634 |
| Net interest income | $2,040,000 | 6,574 |
| Provision for loan and lease losses | $441,000 | 2,182 |
| Total noninterest income | $89,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $45,000 | 7,372 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,564 |
| Total noninterest expense | $1,903,000 | 6,172 |
| Salaries and employee benefits | $1,133,000 | 5,882 |
| Premises and equipment expense | $301,000 | 5,671 |
| Additional noninterest expense | $469,000 | 6,741 |
| Pre-tax net operating income | $-215,000 | 8,542 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-215,000 | 8,592 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-215,000 | 8,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,299,000 | 329 |
| Net operating income | $-215,000 | 8,556 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 7,591 |
| Total interest expense | $475,000 | 6,825 |
| Net interest income | $898,000 | 7,780 |
| Provision for loan and lease losses | $187,000 | 3,110 |
| Total noninterest income | $73,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $31,000 | 7,464 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 7,283 |
| Total noninterest expense | $1,149,000 | 6,803 |
| Salaries and employee benefits | $685,000 | 6,519 |
| Premises and equipment expense | $178,000 | 6,308 |
| Additional noninterest expense | $286,000 | 7,207 |
| Pre-tax net operating income | $-365,000 | 8,724 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-365,000 | 8,760 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-365,000 | 8,762 |
| 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 | $2,299,000 | 238 |
| Net operating income | $-365,000 | 8,736 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $778,000 | 7,904 |
| Total interest expense | $294,000 | 7,018 |
| Net interest income | $484,000 | 8,151 |
| Provision for loan and lease losses | $101,000 | 3,440 |
| Total noninterest income | $53,000 | 8,120 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $16,000 | 7,629 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,000 | 6,933 |
| Total noninterest expense | $717,000 | 7,015 |
| Salaries and employee benefits | $377,000 | 7,097 |
| Premises and equipment expense | $137,000 | 5,939 |
| Additional noninterest expense | $203,000 | 7,091 |
| Pre-tax net operating income | $-281,000 | 8,805 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-281,000 | 8,843 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-281,000 | 8,843 |
| 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 | $150,000 | 366 |
| Net operating income | $-281,000 | 8,816 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $389,000 | 7,950 |
| Total interest expense | $117,000 | 7,585 |
| Net interest income | $272,000 | 8,015 |
| Provision for loan and lease losses | $48,000 | 3,379 |
| Total noninterest income | $16,000 | 8,578 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $360,000 | 7,045 |
| Salaries and employee benefits | $159,000 | 7,560 |
| Premises and equipment expense | $109,000 | 4,538 |
| Additional noninterest expense | $92,000 | 7,332 |
| Pre-tax net operating income | $-120,000 | 8,824 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-120,000 | 8,868 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-120,000 | 8,869 |
| 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 | $-120,000 | 8,835 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $88,000 | 9,115 |
| Total interest expense | $36,000 | 9,062 |
| Net interest income | $52,000 | 9,121 |
| Provision for loan and lease losses | $162,000 | 4,453 |
| Total noninterest income | $4,000 | 9,093 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,000 | 8,956 |
| Total noninterest expense | $281,000 | 9,082 |
| Salaries and employee benefits | $58,000 | 9,144 |
| Premises and equipment expense | $33,000 | 8,976 |
| Additional noninterest expense | $190,000 | 8,506 |
| Pre-tax net operating income | $-387,000 | 8,774 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-387,000 | 8,859 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-387,000 | 8,860 |
| 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 | $5,000,000 | 189 |
| Net operating income | $-387,000 | 8,797 |
* 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.