Home > Gulf Coast Community Bank > Income and Expense
Gulf Coast Community Bank, Income and Expense
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $5,141,000 | 3,761 |
| Total interest expense | $410,000 | 3,980 |
| Net interest income | $4,731,000 | 3,685 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $-8,338,000 | 5,912 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $274,000 | 3,092 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $-8,612,000 | 5,921 |
| Total noninterest expense | $7,265,000 | 2,481 |
| Salaries and employee benefits | $3,488,000 | 2,755 |
| Premises and equipment expense | $674,000 | 2,809 |
| Additional noninterest expense | $3,103,000 | 1,923 |
| Pre-tax net operating income | $-10,872,000 | 5,914 |
| Securities gains (losses) | $81,000 | 1,502 |
| Applicable income taxes | $0 | 4,278 |
| Income before extraordinary items | $-10,791,000 | 5,906 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-10,791,000 | 5,905 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-10,791,000 | 5,905 |
| Net charge-offs | $-46,000 | 5,346 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $-10,872,000 | 5,906 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $3,884,000 | 3,759 |
| Total interest expense | $318,000 | 3,946 |
| Net interest income | $3,566,000 | 3,695 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $1,162,000 | 2,449 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $203,000 | 3,140 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $959,000 | 2,098 |
| Total noninterest expense | $4,905,000 | 2,684 |
| Salaries and employee benefits | $2,477,000 | 2,851 |
| Premises and equipment expense | $506,000 | 2,809 |
| Additional noninterest expense | $1,922,000 | 2,255 |
| Pre-tax net operating income | $-177,000 | 5,812 |
| Securities gains (losses) | $81,000 | 1,417 |
| Applicable income taxes | $0 | 4,325 |
| Income before extraordinary items | $-96,000 | 5,793 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-96,000 | 5,793 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-96,000 | 5,793 |
| Net charge-offs | $9,000 | 3,453 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $-177,000 | 5,817 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $2,568,000 | 3,792 |
| Total interest expense | $215,000 | 3,937 |
| Net interest income | $2,353,000 | 3,733 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $820,000 | 2,349 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $125,000 | 3,266 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $695,000 | 1,961 |
| Total noninterest expense | $3,228,000 | 2,714 |
| Salaries and employee benefits | $1,640,000 | 2,885 |
| Premises and equipment expense | $327,000 | 2,881 |
| Additional noninterest expense | $1,261,000 | 2,301 |
| Pre-tax net operating income | $-55,000 | 5,833 |
| Securities gains (losses) | $81,000 | 1,111 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $26,000 | 5,720 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $26,000 | 5,719 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $26,000 | 5,719 |
| Net charge-offs | $52,000 | 2,116 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $-55,000 | 5,833 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 3,759 |
| Total interest expense | $114,000 | 3,873 |
| Net interest income | $1,193,000 | 3,707 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $348,000 | 2,526 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $65,000 | 3,192 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $283,000 | 2,164 |
| Total noninterest expense | $1,647,000 | 2,686 |
| Salaries and employee benefits | $831,000 | 2,873 |
| Premises and equipment expense | $168,000 | 2,856 |
| Additional noninterest expense | $648,000 | 2,233 |
| Pre-tax net operating income | $-106,000 | 5,967 |
| Securities gains (losses) | $64,000 | 712 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $-42,000 | 5,914 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $-42,000 | 5,914 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $-42,000 | 5,914 |
| Net charge-offs | $-38,000 | 5,657 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $-106,000 | 5,961 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $5,236,000 | 3,744 |
| Total interest expense | $548,000 | 3,565 |
| Net interest income | $4,688,000 | 3,738 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $1,154,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $288,000 | 3,110 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $866,000 | 2,556 |
| Total noninterest expense | $6,395,000 | 2,738 |
| Salaries and employee benefits | $3,131,000 | 2,952 |
| Premises and equipment expense | $701,000 | 2,816 |
| Additional noninterest expense | $2,563,000 | 2,285 |
| Pre-tax net operating income | $-553,000 | 6,047 |
| Securities gains (losses) | $77,000 | 1,325 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $-476,000 | 6,041 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-476,000 | 6,042 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-476,000 | 6,042 |
| Net charge-offs | $-81,000 | 5,681 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $-553,000 | 6,048 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 3,782 |
| Total interest expense | $419,000 | 3,581 |
| Net interest income | $3,508,000 | 3,779 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $886,000 | 2,827 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $215,000 | 3,138 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $671,000 | 2,528 |
| Total noninterest expense | $4,784,000 | 2,750 |
| Salaries and employee benefits | $2,335,000 | 2,989 |
| Premises and equipment expense | $535,000 | 2,836 |
| Additional noninterest expense | $1,914,000 | 2,294 |
| Pre-tax net operating income | $-390,000 | 6,140 |
| Securities gains (losses) | $77,000 | 1,188 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $-313,000 | 6,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-313,000 | 6,134 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-313,000 | 6,134 |
| Net charge-offs | $-61,000 | 5,677 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $-390,000 | 6,137 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 3,793 |
| Total interest expense | $278,000 | 3,619 |
| Net interest income | $2,341,000 | 3,789 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $605,000 | 2,808 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $139,000 | 3,169 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $466,000 | 2,487 |
| Total noninterest expense | $3,180,000 | 2,777 |
| Salaries and employee benefits | $1,536,000 | 3,030 |
| Premises and equipment expense | $354,000 | 2,849 |
| Additional noninterest expense | $1,290,000 | 2,281 |
| Pre-tax net operating income | $-234,000 | 6,185 |
| Securities gains (losses) | $77,000 | 967 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $-157,000 | 6,177 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-157,000 | 6,177 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $-157,000 | 6,177 |
| Net charge-offs | $72,000 | 2,015 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $-234,000 | 6,187 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,282,000 | 3,858 |
| Total interest expense | $138,000 | 3,656 |
| Net interest income | $1,144,000 | 3,848 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $288,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $69,000 | 3,159 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $219,000 | 2,509 |
| Total noninterest expense | $1,546,000 | 2,843 |
| Salaries and employee benefits | $729,000 | 3,158 |
| Premises and equipment expense | $178,000 | 2,869 |
| Additional noninterest expense | $639,000 | 2,282 |
| Pre-tax net operating income | $-114,000 | 6,236 |
| Securities gains (losses) | $55,000 | 806 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $-59,000 | 6,198 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $-59,000 | 6,199 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $-59,000 | 6,199 |
| Net charge-offs | $-19,000 | 5,660 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $-114,000 | 6,237 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $5,626,000 | 3,677 |
| Total interest expense | $642,000 | 3,472 |
| Net interest income | $4,984,000 | 3,659 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $1,651,000 | 2,379 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $287,000 | 3,294 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,364,000 | 1,892 |
| Total noninterest expense | $6,439,000 | 2,773 |
| Salaries and employee benefits | $2,877,000 | 3,168 |
| Premises and equipment expense | $728,000 | 2,843 |
| Additional noninterest expense | $2,834,000 | 2,137 |
| Pre-tax net operating income | $196,000 | 5,678 |
| Securities gains (losses) | $19,000 | 2,350 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $215,000 | 5,631 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $215,000 | 5,631 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $215,000 | 5,632 |
| Net charge-offs | $-21,000 | 5,807 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $2,696,000 | 119 |
| Net operating income | $196,000 | 5,631 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $4,308,000 | 3,654 |
| Total interest expense | $504,000 | 3,435 |
| Net interest income | $3,804,000 | 3,634 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $1,259,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $207,000 | 3,400 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,052,000 | 1,874 |
| Total noninterest expense | $4,776,000 | 2,811 |
| Salaries and employee benefits | $2,168,000 | 3,177 |
| Premises and equipment expense | $558,000 | 2,826 |
| Additional noninterest expense | $2,050,000 | 2,188 |
| Pre-tax net operating income | $287,000 | 5,383 |
| Securities gains (losses) | $19,000 | 2,046 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $306,000 | 5,216 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $306,000 | 5,216 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $306,000 | 5,218 |
| Net charge-offs | $-11,000 | 5,639 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $2,694,000 | 91 |
| Net operating income | $287,000 | 5,239 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 3,589 |
| Total interest expense | $360,000 | 3,336 |
| Net interest income | $2,602,000 | 3,583 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $657,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $128,000 | 3,522 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $529,000 | 2,240 |
| Total noninterest expense | $3,110,000 | 2,870 |
| Salaries and employee benefits | $1,405,000 | 3,258 |
| Premises and equipment expense | $378,000 | 2,819 |
| Additional noninterest expense | $1,327,000 | 2,246 |
| Pre-tax net operating income | $149,000 | 5,561 |
| Securities gains (losses) | $19,000 | 1,669 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $168,000 | 5,374 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $168,000 | 5,376 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $168,000 | 5,377 |
| Net charge-offs | $-1,000 | 5,059 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $2,676,000 | 62 |
| Net operating income | $149,000 | 5,441 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 3,596 |
| Total interest expense | $192,000 | 3,263 |
| Net interest income | $1,299,000 | 3,596 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $291,000 | 2,849 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $62,000 | 3,563 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $229,000 | 2,366 |
| Total noninterest expense | $1,528,000 | 2,936 |
| Salaries and employee benefits | $702,000 | 3,275 |
| Premises and equipment expense | $184,000 | 2,918 |
| Additional noninterest expense | $642,000 | 2,331 |
| Pre-tax net operating income | $62,000 | 5,639 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $62,000 | 5,581 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $62,000 | 5,581 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $62,000 | 5,581 |
| Net charge-offs | $63,000 | 1,685 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $2,676,000 | 36 |
| Net operating income | $62,000 | 5,545 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,354,000 | 3,488 |
| Total interest expense | $1,264,000 | 2,473 |
| Net interest income | $5,090,000 | 3,669 |
| Provision for loan and lease losses | $193,000 | 3,012 |
| Total noninterest income | $1,596,000 | 2,482 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $267,000 | 3,580 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,329,000 | 2,001 |
| Total noninterest expense | $6,862,000 | 2,680 |
| Salaries and employee benefits | $2,938,000 | 3,161 |
| Premises and equipment expense | $876,000 | 2,526 |
| Additional noninterest expense | $3,048,000 | 2,056 |
| Pre-tax net operating income | $-369,000 | 6,433 |
| Securities gains (losses) | $47,000 | 1,839 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-322,000 | 6,440 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-322,000 | 6,440 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-322,000 | 6,441 |
| Net charge-offs | $673,000 | 1,683 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 580 |
| Net operating income | $-369,000 | 6,446 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,779,000 | 3,510 |
| Total interest expense | $1,027,000 | 2,397 |
| Net interest income | $3,752,000 | 3,719 |
| Provision for loan and lease losses | $193,000 | 2,638 |
| Total noninterest income | $1,299,000 | 2,404 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $192,000 | 3,683 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,107,000 | 1,914 |
| Total noninterest expense | $5,073,000 | 2,711 |
| Salaries and employee benefits | $2,175,000 | 3,199 |
| Premises and equipment expense | $688,000 | 2,444 |
| Additional noninterest expense | $2,210,000 | 2,110 |
| Pre-tax net operating income | $-215,000 | 6,490 |
| Securities gains (losses) | $47,000 | 1,704 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-168,000 | 6,501 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-168,000 | 6,503 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-168,000 | 6,502 |
| Net charge-offs | $690,000 | 1,302 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 558 |
| Net operating income | $-215,000 | 6,505 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 3,503 |
| Total interest expense | $735,000 | 2,309 |
| Net interest income | $2,468,000 | 3,747 |
| Provision for loan and lease losses | $187,000 | 2,198 |
| Total noninterest income | $952,000 | 2,283 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $121,000 | 3,766 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $831,000 | 1,812 |
| Total noninterest expense | $3,457,000 | 2,662 |
| Salaries and employee benefits | $1,510,000 | 3,145 |
| Premises and equipment expense | $510,000 | 2,239 |
| Additional noninterest expense | $1,437,000 | 2,159 |
| Pre-tax net operating income | $-224,000 | 6,569 |
| Securities gains (losses) | $47,000 | 1,557 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-177,000 | 6,590 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-177,000 | 6,591 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-177,000 | 6,591 |
| Net charge-offs | $708,000 | 986 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 536 |
| Net operating income | $-224,000 | 6,590 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 3,499 |
| Total interest expense | $384,000 | 2,285 |
| Net interest income | $1,246,000 | 3,740 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $580,000 | 2,006 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $58,000 | 3,830 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $522,000 | 1,528 |
| Total noninterest expense | $1,638,000 | 2,811 |
| Salaries and employee benefits | $710,000 | 3,286 |
| Premises and equipment expense | $262,000 | 2,226 |
| Additional noninterest expense | $666,000 | 2,327 |
| Pre-tax net operating income | $188,000 | 4,561 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $188,000 | 4,372 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $188,000 | 4,375 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $188,000 | 4,374 |
| Net charge-offs | $-491,000 | 6,974 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 482 |
| Net operating income | $188,000 | 4,275 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,522,000 | 3,274 |
| Total interest expense | $1,868,000 | 2,259 |
| Net interest income | $5,654,000 | 3,510 |
| Provision for loan and lease losses | $146,000 | 4,312 |
| Total noninterest income | $-2,545,000 | 7,056 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $287,000 | 3,570 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-2,832,000 | 7,057 |
| Total noninterest expense | $7,485,000 | 2,512 |
| Salaries and employee benefits | $3,038,000 | 3,105 |
| Premises and equipment expense | $896,000 | 2,494 |
| Additional noninterest expense | $3,551,000 | 1,858 |
| Pre-tax net operating income | $-4,522,000 | 6,948 |
| Securities gains (losses) | $1,224,000 | 428 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-3,298,000 | 6,910 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,298,000 | 6,908 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-3,298,000 | 6,908 |
| Net charge-offs | $714,000 | 2,208 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 621 |
| Net operating income | $-4,522,000 | 6,942 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,732,000 | 3,296 |
| Total interest expense | $1,442,000 | 2,286 |
| Net interest income | $4,290,000 | 3,545 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $-2,234,000 | 7,162 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $215,000 | 3,610 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-2,449,000 | 7,161 |
| Total noninterest expense | $5,678,000 | 2,496 |
| Salaries and employee benefits | $2,244,000 | 3,156 |
| Premises and equipment expense | $750,000 | 2,301 |
| Additional noninterest expense | $2,684,000 | 1,850 |
| Pre-tax net operating income | $-3,622,000 | 7,056 |
| Securities gains (losses) | $1,154,000 | 346 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-2,468,000 | 7,025 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,468,000 | 7,022 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,468,000 | 7,024 |
| Net charge-offs | $753,000 | 1,738 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 606 |
| Net operating income | $-3,622,000 | 7,056 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,936,000 | 3,233 |
| Total interest expense | $1,011,000 | 2,265 |
| Net interest income | $2,925,000 | 3,500 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $-1,325,000 | 7,219 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $142,000 | 3,620 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,467,000 | 7,219 |
| Total noninterest expense | $4,002,000 | 2,364 |
| Salaries and employee benefits | $1,554,000 | 3,089 |
| Premises and equipment expense | $454,000 | 2,504 |
| Additional noninterest expense | $1,994,000 | 1,679 |
| Pre-tax net operating income | $-2,402,000 | 7,114 |
| Securities gains (losses) | $984,000 | 283 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,418,000 | 7,056 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,418,000 | 7,055 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,418,000 | 7,056 |
| Net charge-offs | $599,000 | 1,600 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 605 |
| Net operating income | $-2,402,000 | 7,122 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,945,000 | 3,295 |
| Total interest expense | $545,000 | 2,194 |
| Net interest income | $1,400,000 | 3,630 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $11,000 | 6,905 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $69,000 | 3,673 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-58,000 | 7,112 |
| Total noninterest expense | $1,949,000 | 2,427 |
| Salaries and employee benefits | $743,000 | 3,199 |
| Premises and equipment expense | $220,000 | 2,591 |
| Additional noninterest expense | $986,000 | 1,687 |
| Pre-tax net operating income | $-538,000 | 7,057 |
| Securities gains (losses) | $517,000 | 271 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-21,000 | 6,632 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-21,000 | 6,632 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-21,000 | 6,632 |
| Net charge-offs | $-345,000 | 7,262 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 505 |
| Net operating income | $-538,000 | 7,064 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,770,000 | 3,090 |
| Total interest expense | $2,848,000 | 2,050 |
| Net interest income | $5,922,000 | 3,492 |
| Provision for loan and lease losses | $3,107,000 | 1,167 |
| Total noninterest income | $-1,940,000 | 7,295 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $259,000 | 3,887 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-2,199,000 | 7,284 |
| Total noninterest expense | $7,720,000 | 2,448 |
| Salaries and employee benefits | $3,240,000 | 2,934 |
| Premises and equipment expense | $916,000 | 2,601 |
| Additional noninterest expense | $3,564,000 | 1,888 |
| Pre-tax net operating income | $-6,845,000 | 7,141 |
| Securities gains (losses) | $238,000 | 1,318 |
| Applicable income taxes | $-116,000 | 6,838 |
| Income before extraordinary items | $-6,491,000 | 7,128 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,491,000 | 7,126 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-6,491,000 | 7,129 |
| Net charge-offs | $4,046,000 | 960 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 724 |
| Net operating income | $-6,724,240 | 7,130 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,666,000 | 3,092 |
| Total interest expense | $2,237,000 | 2,050 |
| Net interest income | $4,429,000 | 3,520 |
| Provision for loan and lease losses | $2,377,000 | 1,099 |
| Total noninterest income | $982,000 | 2,653 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $180,000 | 4,064 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $802,000 | 2,034 |
| Total noninterest expense | $6,276,000 | 2,281 |
| Salaries and employee benefits | $2,398,000 | 2,959 |
| Premises and equipment expense | $907,000 | 2,063 |
| Additional noninterest expense | $2,971,000 | 1,717 |
| Pre-tax net operating income | $-3,242,000 | 7,125 |
| Securities gains (losses) | $238,000 | 1,082 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,004,000 | 7,152 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,004,000 | 7,152 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,004,000 | 7,153 |
| Net charge-offs | $3,528,000 | 836 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $-696,000 | 7,420 |
| Net operating income | $-3,242,000 | 7,156 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,444,000 | 3,124 |
| Total interest expense | $1,572,000 | 2,019 |
| Net interest income | $2,872,000 | 3,608 |
| Provision for loan and lease losses | $1,747,000 | 1,009 |
| Total noninterest income | $644,000 | 2,688 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $115,000 | 4,126 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $529,000 | 2,024 |
| Total noninterest expense | $4,393,000 | 2,195 |
| Salaries and employee benefits | $1,648,000 | 2,907 |
| Premises and equipment expense | $548,000 | 2,254 |
| Additional noninterest expense | $2,197,000 | 1,575 |
| Pre-tax net operating income | $-2,624,000 | 7,238 |
| Securities gains (losses) | $238,000 | 647 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,386,000 | 7,243 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,386,000 | 7,243 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,386,000 | 7,244 |
| Net charge-offs | $1,978,000 | 930 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 682 |
| Net operating income | $-2,624,000 | 7,255 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,216,000 | 3,138 |
| Total interest expense | $833,000 | 1,984 |
| Net interest income | $1,383,000 | 3,678 |
| Provision for loan and lease losses | $247,000 | 2,195 |
| Total noninterest income | $-52,000 | 7,392 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $55,000 | 4,170 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-107,000 | 7,368 |
| Total noninterest expense | $1,837,000 | 2,592 |
| Salaries and employee benefits | $760,000 | 3,122 |
| Premises and equipment expense | $277,000 | 2,283 |
| Additional noninterest expense | $800,000 | 2,104 |
| Pre-tax net operating income | $-753,000 | 7,198 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-753,000 | 7,232 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-753,000 | 7,232 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-753,000 | 7,233 |
| Net charge-offs | $1,664,000 | 611 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-753,000 | 7,225 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,236,000 | 2,904 |
| Total interest expense | $3,993,000 | 1,999 |
| Net interest income | $6,243,000 | 3,374 |
| Provision for loan and lease losses | $9,620,000 | 682 |
| Total noninterest income | $1,131,000 | 3,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $232,000 | 4,149 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $899,000 | 2,321 |
| Total noninterest expense | $9,014,000 | 2,153 |
| Salaries and employee benefits | $3,234,000 | 2,925 |
| Premises and equipment expense | $1,105,000 | 2,271 |
| Additional noninterest expense | $4,675,000 | 1,540 |
| Pre-tax net operating income | $-11,260,000 | 7,384 |
| Securities gains (losses) | $302,000 | 1,259 |
| Applicable income taxes | $1,169,000 | 1,094 |
| Income before extraordinary items | $-12,127,000 | 7,425 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,127,000 | 7,425 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,127,000 | 7,425 |
| Net charge-offs | $10,949,000 | 563 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 873 |
| Net operating income | $-12,429,000 | 7,424 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,861,000 | 2,886 |
| Total interest expense | $3,086,000 | 2,029 |
| Net interest income | $4,775,000 | 3,369 |
| Provision for loan and lease losses | $6,007,000 | 760 |
| Total noninterest income | $1,153,000 | 2,494 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $211,000 | 3,832 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $942,000 | 1,872 |
| Total noninterest expense | $6,895,000 | 2,103 |
| Salaries and employee benefits | $2,369,000 | 2,999 |
| Premises and equipment expense | $843,000 | 2,280 |
| Additional noninterest expense | $3,683,000 | 1,442 |
| Pre-tax net operating income | $-6,974,000 | 7,460 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-6,974,000 | 7,507 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,974,000 | 7,507 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,974,000 | 7,507 |
| Net charge-offs | $8,156,000 | 538 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 830 |
| Net operating income | $-6,974,000 | 7,488 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,290,000 | 2,900 |
| Total interest expense | $2,141,000 | 2,026 |
| Net interest income | $3,149,000 | 3,414 |
| Provision for loan and lease losses | $3,107,000 | 922 |
| Total noninterest income | $877,000 | 2,229 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $111,000 | 4,294 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $766,000 | 1,569 |
| Total noninterest expense | $4,334,000 | 2,230 |
| Salaries and employee benefits | $1,503,000 | 3,138 |
| Premises and equipment expense | $494,000 | 2,566 |
| Additional noninterest expense | $2,337,000 | 1,520 |
| Pre-tax net operating income | $-3,415,000 | 7,432 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,415,000 | 7,481 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,415,000 | 7,481 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,415,000 | 7,481 |
| Net charge-offs | $4,912,000 | 581 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 718 |
| Net operating income | $-3,415,000 | 7,474 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,762,000 | 2,852 |
| Total interest expense | $1,113,000 | 2,058 |
| Net interest income | $1,649,000 | 3,287 |
| Provision for loan and lease losses | $981,000 | 1,191 |
| Total noninterest income | $313,000 | 2,787 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $54,000 | 4,328 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $259,000 | 2,020 |
| Total noninterest expense | $1,724,000 | 2,805 |
| Salaries and employee benefits | $764,000 | 3,135 |
| Premises and equipment expense | $220,000 | 2,891 |
| Additional noninterest expense | $740,000 | 2,280 |
| Pre-tax net operating income | $-743,000 | 7,310 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-743,000 | 7,382 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-743,000 | 7,382 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-743,000 | 7,383 |
| Net charge-offs | $575,000 | 1,478 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 652 |
| Net operating income | $-743,000 | 7,366 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,714,000 | 2,591 |
| Total interest expense | $6,646,000 | 1,761 |
| Net interest income | $6,068,000 | 3,429 |
| Provision for loan and lease losses | $3,452,000 | 1,804 |
| Total noninterest income | $1,002,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $262,000 | 4,140 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $740,000 | 2,574 |
| Total noninterest expense | $6,522,000 | 2,971 |
| Salaries and employee benefits | $3,139,000 | 3,048 |
| Premises and equipment expense | $937,000 | 2,731 |
| Additional noninterest expense | $2,446,000 | 2,795 |
| Pre-tax net operating income | $-2,904,000 | 6,877 |
| Securities gains (losses) | $44,000 | 2,697 |
| Applicable income taxes | $-2,000 | 6,165 |
| Income before extraordinary items | $-2,858,000 | 6,963 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,858,000 | 6,962 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,858,000 | 6,962 |
| Net charge-offs | $2,003,000 | 2,031 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 951 |
| Net operating income | $-2,902,000 | 6,982 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,622,000 | 2,629 |
| Total interest expense | $5,347,000 | 1,733 |
| Net interest income | $4,275,000 | 3,618 |
| Provision for loan and lease losses | $2,700,000 | 1,577 |
| Total noninterest income | $735,000 | 3,431 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $197,000 | 4,145 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $538,000 | 2,701 |
| Total noninterest expense | $4,749,000 | 3,056 |
| Salaries and employee benefits | $2,288,000 | 3,158 |
| Premises and equipment expense | $623,000 | 3,061 |
| Additional noninterest expense | $1,838,000 | 2,755 |
| Pre-tax net operating income | $-2,439,000 | 7,171 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,000 | 6,572 |
| Income before extraordinary items | $-2,437,000 | 7,283 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,437,000 | 7,282 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,437,000 | 7,283 |
| Net charge-offs | $1,347,000 | 1,880 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 880 |
| Net operating income | $-2,437,000 | 7,272 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,447,000 | 2,641 |
| Total interest expense | $3,747,000 | 1,729 |
| Net interest income | $2,700,000 | 3,750 |
| Provision for loan and lease losses | $2,700,000 | 1,160 |
| Total noninterest income | $505,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $124,000 | 4,244 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $381,000 | 2,627 |
| Total noninterest expense | $3,202,000 | 3,050 |
| Salaries and employee benefits | $1,520,000 | 3,199 |
| Premises and equipment expense | $457,000 | 2,859 |
| Additional noninterest expense | $1,225,000 | 2,765 |
| Pre-tax net operating income | $-2,697,000 | 7,518 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-2,000 | 6,717 |
| Income before extraordinary items | $-2,695,000 | 7,595 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,695,000 | 7,594 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,695,000 | 7,594 |
| Net charge-offs | $1,227,000 | 1,494 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 868 |
| Net operating income | $-2,695,000 | 7,605 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 2,678 |
| Total interest expense | $1,987,000 | 1,712 |
| Net interest income | $1,232,000 | 3,985 |
| Provision for loan and lease losses | $200,000 | 2,838 |
| Total noninterest income | $281,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $58,000 | 4,312 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $223,000 | 2,361 |
| Total noninterest expense | $1,604,000 | 2,956 |
| Salaries and employee benefits | $802,000 | 3,096 |
| Premises and equipment expense | $223,000 | 2,965 |
| Additional noninterest expense | $579,000 | 2,645 |
| Pre-tax net operating income | $-291,000 | 7,046 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-2,000 | 7,082 |
| Income before extraordinary items | $-289,000 | 7,182 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-289,000 | 7,182 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-289,000 | 7,183 |
| Net charge-offs | $1,233,000 | 850 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 634 |
| Net operating income | $-289,000 | 7,122 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,861,000 | 2,353 |
| Total interest expense | $9,407,000 | 1,718 |
| Net interest income | $6,454,000 | 3,278 |
| Provision for loan and lease losses | $3,458,000 | 1,275 |
| Total noninterest income | $932,000 | 3,561 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $216,000 | 4,650 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $716,000 | 2,620 |
| Total noninterest expense | $5,819,000 | 3,167 |
| Salaries and employee benefits | $2,804,000 | 3,443 |
| Premises and equipment expense | $719,000 | 3,446 |
| Additional noninterest expense | $2,296,000 | 2,513 |
| Pre-tax net operating income | $-1,891,000 | 7,324 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-156,000 | 7,165 |
| Income before extraordinary items | $-1,735,000 | 7,297 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,735,000 | 7,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,079,000 | 1,877 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $5,969,000 | 213 |
| Net operating income | $-1,735,000 | 7,397 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,164,000 | 2,356 |
| Total interest expense | $7,150,000 | 1,768 |
| Net interest income | $5,014,000 | 3,213 |
| Provision for loan and lease losses | $1,611,000 | 1,359 |
| Total noninterest income | $708,000 | 3,615 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $169,000 | 4,605 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $539,000 | 2,687 |
| Total noninterest expense | $4,340,000 | 3,159 |
| Salaries and employee benefits | $2,140,000 | 3,429 |
| Premises and equipment expense | $545,000 | 3,437 |
| Additional noninterest expense | $1,655,000 | 2,544 |
| Pre-tax net operating income | $-229,000 | 7,050 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-189,000 | 7,650 |
| Income before extraordinary items | $-40,000 | 6,681 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-40,000 | 6,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $957,000 | 1,344 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $5,969,000 | 143 |
| Net operating income | $-40,000 | 6,857 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,235,000 | 2,363 |
| Total interest expense | $4,808,000 | 1,820 |
| Net interest income | $3,427,000 | 3,123 |
| Provision for loan and lease losses | $1,195,000 | 1,104 |
| Total noninterest income | $467,000 | 3,673 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $112,000 | 4,627 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $355,000 | 2,761 |
| Total noninterest expense | $2,977,000 | 3,078 |
| Salaries and employee benefits | $1,474,000 | 3,375 |
| Premises and equipment expense | $352,000 | 3,535 |
| Additional noninterest expense | $1,151,000 | 2,428 |
| Pre-tax net operating income | $-278,000 | 7,408 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-146,000 | 7,928 |
| Income before extraordinary items | $-132,000 | 7,298 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-132,000 | 7,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $860,000 | 944 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $1,049,000 | 204 |
| Net operating income | $-132,000 | 7,278 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,353,000 | 2,314 |
| Total interest expense | $2,463,000 | 1,886 |
| Net interest income | $1,890,000 | 2,845 |
| Provision for loan and lease losses | $295,000 | 1,427 |
| Total noninterest income | $206,000 | 3,945 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $151,000 | 3,028 |
| Total noninterest expense | $1,460,000 | 3,144 |
| Salaries and employee benefits | $785,000 | 3,222 |
| Premises and equipment expense | $176,000 | 3,552 |
| Additional noninterest expense | $499,000 | 2,729 |
| Pre-tax net operating income | $341,000 | 3,868 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $109,000 | 2,682 |
| Income before extraordinary items | $232,000 | 4,356 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $232,000 | 4,358 |
| 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 | $31,000 | 584 |
| Net operating income | $232,000 | 4,252 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,998,000 | 2,419 |
| Total interest expense | $8,608,000 | 2,189 |
| Net interest income | $8,390,000 | 2,609 |
| Provision for loan and lease losses | $1,037,000 | 1,384 |
| Total noninterest income | $947,000 | 3,645 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $328,000 | 3,911 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $619,000 | 2,960 |
| Total noninterest expense | $4,864,000 | 3,522 |
| Salaries and employee benefits | $2,654,000 | 3,561 |
| Premises and equipment expense | $590,000 | 3,884 |
| Additional noninterest expense | $1,620,000 | 3,210 |
| Pre-tax net operating income | $3,436,000 | 2,229 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,189,000 | 1,657 |
| Income before extraordinary items | $2,247,000 | 2,584 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,247,000 | 2,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 2,067 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $131,000 | 863 |
| Net operating income | $2,247,000 | 2,577 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,315,000 | 2,494 |
| Total interest expense | $6,060,000 | 2,300 |
| Net interest income | $6,255,000 | 2,638 |
| Provision for loan and lease losses | $724,000 | 1,178 |
| Total noninterest income | $704,000 | 3,675 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $245,000 | 3,900 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $459,000 | 2,982 |
| Total noninterest expense | $3,646,000 | 3,498 |
| Salaries and employee benefits | $2,019,000 | 3,505 |
| Premises and equipment expense | $455,000 | 3,811 |
| Additional noninterest expense | $1,172,000 | 3,251 |
| Pre-tax net operating income | $2,589,000 | 2,372 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $945,000 | 1,711 |
| Income before extraordinary items | $1,644,000 | 2,791 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,644,000 | 2,789 |
| 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 | $110,000 | 735 |
| Net operating income | $1,644,000 | 2,772 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,783,000 | 2,617 |
| Total interest expense | $3,718,000 | 2,479 |
| Net interest income | $4,065,000 | 2,708 |
| Provision for loan and lease losses | $287,000 | 1,624 |
| Total noninterest income | $455,000 | 3,748 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $163,000 | 3,923 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $292,000 | 3,058 |
| Total noninterest expense | $2,381,000 | 3,590 |
| Salaries and employee benefits | $1,346,000 | 3,534 |
| Premises and equipment expense | $309,000 | 3,777 |
| Additional noninterest expense | $726,000 | 3,456 |
| Pre-tax net operating income | $1,852,000 | 2,298 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $685,000 | 1,685 |
| Income before extraordinary items | $1,167,000 | 2,694 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,167,000 | 2,693 |
| 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 | $90,000 | 625 |
| Net operating income | $1,167,000 | 2,680 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,720,000 | 2,711 |
| Total interest expense | $1,733,000 | 2,635 |
| Net interest income | $1,987,000 | 2,775 |
| Provision for loan and lease losses | $205,000 | 1,140 |
| Total noninterest income | $204,000 | 3,968 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $82,000 | 3,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $122,000 | 3,401 |
| Total noninterest expense | $1,244,000 | 3,466 |
| Salaries and employee benefits | $723,000 | 3,365 |
| Premises and equipment expense | $147,000 | 3,913 |
| Additional noninterest expense | $374,000 | 3,354 |
| Pre-tax net operating income | $742,000 | 2,697 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $276,000 | 1,967 |
| Income before extraordinary items | $466,000 | 3,179 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $466,000 | 3,179 |
| 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 | $75,000 | 409 |
| Net operating income | $466,000 | 3,151 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,216,000 | 3,264 |
| Total interest expense | $4,707,000 | 3,179 |
| Net interest income | $6,509,000 | 3,309 |
| Provision for loan and lease losses | $448,000 | 2,089 |
| Total noninterest income | $850,000 | 3,911 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $264,000 | 4,382 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $586,000 | 3,059 |
| Total noninterest expense | $4,026,000 | 3,977 |
| Salaries and employee benefits | $2,176,000 | 4,013 |
| Premises and equipment expense | $597,000 | 3,786 |
| Additional noninterest expense | $1,253,000 | 3,811 |
| Pre-tax net operating income | $2,885,000 | 2,848 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,086,000 | 2,082 |
| Income before extraordinary items | $1,799,000 | 3,348 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,799,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $6,645,000 | 270 |
| Net operating income | $1,799,000 | 3,329 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,904,000 | 3,410 |
| Total interest expense | $3,259,000 | 3,285 |
| Net interest income | $4,645,000 | 3,462 |
| Provision for loan and lease losses | $259,000 | 2,405 |
| Total noninterest income | $636,000 | 3,919 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $171,000 | 4,756 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $465,000 | 2,964 |
| Total noninterest expense | $3,043,000 | 3,939 |
| Salaries and employee benefits | $1,675,000 | 3,922 |
| Premises and equipment expense | $467,000 | 3,667 |
| Additional noninterest expense | $901,000 | 3,920 |
| Pre-tax net operating income | $1,979,000 | 3,144 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $746,000 | 2,304 |
| Income before extraordinary items | $1,233,000 | 3,666 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,233,000 | 3,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $6,644,000 | 204 |
| Net operating income | $1,233,000 | 3,653 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,985,000 | 3,502 |
| Total interest expense | $2,052,000 | 3,310 |
| Net interest income | $2,933,000 | 3,610 |
| Provision for loan and lease losses | $212,000 | 2,010 |
| Total noninterest income | $434,000 | 3,848 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $104,000 | 4,933 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $330,000 | 2,842 |
| Total noninterest expense | $1,986,000 | 4,020 |
| Salaries and employee benefits | $1,068,000 | 4,066 |
| Premises and equipment expense | $285,000 | 3,923 |
| Additional noninterest expense | $633,000 | 3,756 |
| Pre-tax net operating income | $1,169,000 | 3,417 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $440,000 | 2,479 |
| Income before extraordinary items | $729,000 | 3,968 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $729,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $1,635,000 | 233 |
| Net operating income | $729,000 | 3,954 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,295,000 | 3,675 |
| Total interest expense | $905,000 | 3,527 |
| Net interest income | $1,390,000 | 3,752 |
| Provision for loan and lease losses | $137,000 | 1,578 |
| Total noninterest income | $173,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $49,000 | 5,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $124,000 | 3,323 |
| Total noninterest expense | $950,000 | 4,156 |
| Salaries and employee benefits | $532,000 | 4,109 |
| Premises and equipment expense | $128,000 | 4,229 |
| Additional noninterest expense | $290,000 | 4,009 |
| Pre-tax net operating income | $476,000 | 3,864 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $179,000 | 2,763 |
| Income before extraordinary items | $297,000 | 4,447 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $297,000 | 4,433 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,236,000 | 4,504 |
| Total interest expense | $1,903,000 | 4,579 |
| Net interest income | $4,333,000 | 4,384 |
| Provision for loan and lease losses | $453,000 | 2,053 |
| Total noninterest income | $583,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $136,000 | 5,799 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $447,000 | 3,570 |
| Total noninterest expense | $2,967,000 | 4,800 |
| Salaries and employee benefits | $1,652,000 | 4,754 |
| Premises and equipment expense | $458,000 | 4,439 |
| Additional noninterest expense | $857,000 | 4,935 |
| Pre-tax net operating income | $1,496,000 | 4,386 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,496,000 | 3,794 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,496,000 | 3,795 |
| 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 | $40,000 | 820 |
| Net operating income | $1,496,000 | 3,760 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 4,768 |
| Total interest expense | $1,178,000 | 4,984 |
| Net interest income | $3,024,000 | 4,610 |
| Provision for loan and lease losses | $340,000 | 1,992 |
| Total noninterest income | $439,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $343,000 | 3,563 |
| Total noninterest expense | $2,167,000 | 4,870 |
| Salaries and employee benefits | $1,203,000 | 4,822 |
| Premises and equipment expense | $344,000 | 4,415 |
| Additional noninterest expense | $620,000 | 5,006 |
| Pre-tax net operating income | $956,000 | 4,888 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $956,000 | 4,289 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $956,000 | 4,290 |
| 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 | $0 | 769 |
| Net operating income | $956,000 | 4,238 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,553,000 | 4,995 |
| Total interest expense | $690,000 | 5,191 |
| Net interest income | $1,863,000 | 4,834 |
| Provision for loan and lease losses | $186,000 | 2,267 |
| Total noninterest income | $242,000 | 5,293 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $61,000 | 5,980 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $181,000 | 3,933 |
| Total noninterest expense | $1,328,000 | 5,138 |
| Salaries and employee benefits | $736,000 | 5,093 |
| Premises and equipment expense | $224,000 | 4,445 |
| Additional noninterest expense | $368,000 | 5,368 |
| Pre-tax net operating income | $591,000 | 5,042 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $591,000 | 4,454 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $591,000 | 4,455 |
| 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 | $0 | 643 |
| Net operating income | $591,000 | 4,403 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 5,258 |
| Total interest expense | $289,000 | 5,583 |
| Net interest income | $880,000 | 5,023 |
| Provision for loan and lease losses | $104,000 | 2,003 |
| Total noninterest income | $125,000 | 5,157 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $25,000 | 6,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $100,000 | 3,737 |
| Total noninterest expense | $639,000 | 5,296 |
| Salaries and employee benefits | $379,000 | 5,007 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $154,000 | 5,920 |
| Pre-tax net operating income | $262,000 | 5,336 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $262,000 | 4,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $262,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $262,000 | 4,693 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 6,574 |
| Total interest expense | $764,000 | 6,371 |
| Net interest income | $2,094,000 | 6,495 |
| Provision for loan and lease losses | $440,000 | 2,189 |
| Total noninterest income | $381,000 | 5,895 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $109,000 | 6,343 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $272,000 | 4,457 |
| Total noninterest expense | $2,382,000 | 5,463 |
| Salaries and employee benefits | $1,345,000 | 5,322 |
| Premises and equipment expense | $331,000 | 5,397 |
| Additional noninterest expense | $706,000 | 5,501 |
| Pre-tax net operating income | $-347,000 | 8,593 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-347,000 | 8,646 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-347,000 | 8,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-347,000 | 8,619 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 6,941 |
| Total interest expense | $505,000 | 6,678 |
| Net interest income | $1,333,000 | 6,938 |
| Provision for loan and lease losses | $354,000 | 1,989 |
| Total noninterest income | $253,000 | 6,203 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $83,000 | 6,357 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $170,000 | 4,841 |
| Total noninterest expense | $1,707,000 | 5,571 |
| Salaries and employee benefits | $1,019,000 | 5,255 |
| Premises and equipment expense | $246,000 | 5,392 |
| Additional noninterest expense | $442,000 | 5,991 |
| Pre-tax net operating income | $-475,000 | 8,765 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-475,000 | 8,800 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-475,000 | 8,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-475,000 | 8,773 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $998,000 | 7,447 |
| Total interest expense | $252,000 | 7,386 |
| Net interest income | $746,000 | 7,380 |
| Provision for loan and lease losses | $224,000 | 2,019 |
| Total noninterest income | $130,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $80,000 | 5,602 |
| Total noninterest expense | $1,110,000 | 5,679 |
| Salaries and employee benefits | $651,000 | 5,438 |
| Premises and equipment expense | $162,000 | 5,446 |
| Additional noninterest expense | $297,000 | 6,004 |
| Pre-tax net operating income | $-458,000 | 8,884 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-458,000 | 8,919 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-458,000 | 8,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-458,000 | 8,895 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $425,000 | 7,803 |
| Total interest expense | $105,000 | 7,759 |
| Net interest income | $320,000 | 7,720 |
| Provision for loan and lease losses | $91,000 | 2,243 |
| Total noninterest income | $52,000 | 7,147 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $521,000 | 5,913 |
| Salaries and employee benefits | $297,000 | 5,763 |
| Premises and equipment expense | $72,000 | 5,806 |
| Additional noninterest expense | $152,000 | 5,957 |
| Pre-tax net operating income | $-240,000 | 8,937 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-240,000 | 8,967 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-240,000 | 8,967 |
| 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 | $-240,000 | 8,943 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $471,000 | 8,970 |
| Total interest expense | $115,000 | 8,926 |
| Net interest income | $356,000 | 8,948 |
| Provision for loan and lease losses | $214,000 | 3,905 |
| Total noninterest income | $25,000 | 8,975 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $9,000 | 7,947 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $16,000 | 8,557 |
| Total noninterest expense | $1,459,000 | 6,966 |
| Salaries and employee benefits | $736,000 | 7,164 |
| Premises and equipment expense | $182,000 | 6,996 |
| Additional noninterest expense | $541,000 | 6,305 |
| Pre-tax net operating income | $-1,292,000 | 9,020 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,292,000 | 9,072 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,292,000 | 9,073 |
| 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 | $12,791,000 | 55 |
| Net operating income | $-1,292,000 | 9,030 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $148,000 | 9,155 |
| Total interest expense | $34,000 | 9,122 |
| Net interest income | $114,000 | 9,147 |
| Provision for loan and lease losses | $64,000 | 5,444 |
| Total noninterest income | $5,000 | 9,138 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,000 | 8,072 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,000 | 9,005 |
| Total noninterest expense | $905,000 | 7,449 |
| Salaries and employee benefits | $420,000 | 7,827 |
| Premises and equipment expense | $69,000 | 8,186 |
| Additional noninterest expense | $416,000 | 6,222 |
| Pre-tax net operating income | $-850,000 | 9,058 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-850,000 | 9,106 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-850,000 | 9,104 |
| 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 | $12,774,000 | 38 |
| Net operating income | $-850,000 | 9,064 |
* 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.