Home > HarVest Bank of Maryland > Income and Expense
HarVest Bank of Maryland, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,206,000 | 4,562 |
| Total interest expense | $557,000 | 2,155 |
| Net interest income | $649,000 | 5,538 |
| Provision for loan and lease losses | $312,000 | 1,465 |
| Total noninterest income | $22,000 | 6,584 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $11,000 | 6,444 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $11,000 | 6,162 |
| Total noninterest expense | $1,895,000 | 2,488 |
| Salaries and employee benefits | $404,000 | 4,754 |
| Premises and equipment expense | $343,000 | 1,726 |
| Additional noninterest expense | $1,148,000 | 1,469 |
| Pre-tax net operating income | $-1,536,000 | 7,210 |
| Securities gains (losses) | $62,000 | 1,137 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,474,000 | 7,217 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,474,000 | 7,218 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,474,000 | 7,217 |
| Net charge-offs | $623,000 | 946 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,536,000 | 7,214 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,588,000 | 4,263 |
| Total interest expense | $2,341,000 | 2,447 |
| Net interest income | $3,247,000 | 5,077 |
| Provision for loan and lease losses | $1,395,000 | 1,984 |
| Total noninterest income | $69,000 | 6,665 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $49,000 | 6,336 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $20,000 | 6,376 |
| Total noninterest expense | $7,325,000 | 2,557 |
| Salaries and employee benefits | $1,802,000 | 4,442 |
| Premises and equipment expense | $1,362,000 | 1,824 |
| Additional noninterest expense | $4,161,000 | 1,649 |
| Pre-tax net operating income | $-5,404,000 | 7,078 |
| Securities gains (losses) | $199,000 | 1,459 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-5,205,000 | 7,070 |
| Extraordinary gains, net | $2,405,000 | 7 |
| Net income | $-2,800,000 | 6,928 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,800,000 | 6,928 |
| Net charge-offs | $1,380,000 | 1,991 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,049 |
| Net operating income | $-5,404,000 | 7,075 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,228,000 | 4,294 |
| Total interest expense | $1,789,000 | 2,501 |
| Net interest income | $2,439,000 | 5,116 |
| Provision for loan and lease losses | $1,461,000 | 1,539 |
| Total noninterest income | $37,000 | 6,904 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $37,000 | 6,370 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $0 | 6,843 |
| Total noninterest expense | $4,474,000 | 3,076 |
| Salaries and employee benefits | $1,348,000 | 4,445 |
| Premises and equipment expense | $1,033,000 | 1,825 |
| Additional noninterest expense | $2,093,000 | 2,362 |
| Pre-tax net operating income | $-3,459,000 | 7,141 |
| Securities gains (losses) | $96,000 | 1,825 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,363,000 | 7,178 |
| Extraordinary gains, net | $2,405,000 | 6 |
| Net income | $-958,000 | 6,847 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-958,000 | 6,846 |
| Net charge-offs | $880,000 | 2,036 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 973 |
| Net operating income | $-3,459,000 | 7,174 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,869,000 | 4,285 |
| Total interest expense | $1,242,000 | 2,484 |
| Net interest income | $1,627,000 | 5,138 |
| Provision for loan and lease losses | $1,540,000 | 1,096 |
| Total noninterest income | $21,000 | 7,014 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $25,000 | 6,372 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-4,000 | 6,997 |
| Total noninterest expense | $3,072,000 | 3,034 |
| Salaries and employee benefits | $863,000 | 4,611 |
| Premises and equipment expense | $692,000 | 1,833 |
| Additional noninterest expense | $1,517,000 | 2,219 |
| Pre-tax net operating income | $-2,964,000 | 7,259 |
| Securities gains (losses) | $9,000 | 2,392 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,955,000 | 7,290 |
| Extraordinary gains, net | $1,825,000 | 4 |
| Net income | $-1,130,000 | 7,068 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,130,000 | 7,069 |
| Net charge-offs | $425,000 | 2,301 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 903 |
| Net operating income | $-2,964,000 | 7,280 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 4,345 |
| Total interest expense | $635,000 | 2,518 |
| Net interest income | $779,000 | 5,240 |
| Provision for loan and lease losses | $714,000 | 1,112 |
| Total noninterest income | $-25,000 | 7,365 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $14,000 | 6,236 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-39,000 | 7,276 |
| Total noninterest expense | $1,735,000 | 2,727 |
| Salaries and employee benefits | $505,000 | 4,195 |
| Premises and equipment expense | $346,000 | 1,867 |
| Additional noninterest expense | $884,000 | 1,915 |
| Pre-tax net operating income | $-1,695,000 | 7,366 |
| Securities gains (losses) | $8,000 | 1,369 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,687,000 | 7,381 |
| Extraordinary gains, net | $1,825,000 | 3 |
| Net income | $138,000 | 4,582 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $138,000 | 4,583 |
| Net charge-offs | $459,000 | 1,408 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 788 |
| Net operating income | $-1,695,000 | 7,378 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,878,000 | 3,596 |
| Total interest expense | $3,785,000 | 2,092 |
| Net interest income | $4,093,000 | 4,520 |
| Provision for loan and lease losses | $4,352,000 | 1,264 |
| Total noninterest income | $278,000 | 5,513 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $117,000 | 5,283 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $161,000 | 4,889 |
| Total noninterest expense | $8,507,000 | 2,274 |
| Salaries and employee benefits | $2,877,000 | 3,227 |
| Premises and equipment expense | $1,302,000 | 1,956 |
| Additional noninterest expense | $4,328,000 | 1,665 |
| Pre-tax net operating income | $-8,488,000 | 7,308 |
| Securities gains (losses) | $433,000 | 998 |
| Applicable income taxes | $4,367,000 | 404 |
| Income before extraordinary items | $-12,422,000 | 7,436 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,422,000 | 7,436 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,422,000 | 7,436 |
| Net charge-offs | $3,285,000 | 1,391 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 882 |
| Net operating income | $-12,855,000 | 7,432 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,145,000 | 3,560 |
| Total interest expense | $3,057,000 | 2,045 |
| Net interest income | $3,088,000 | 4,553 |
| Provision for loan and lease losses | $3,375,000 | 1,175 |
| Total noninterest income | $281,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $98,000 | 5,207 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $183,000 | 4,322 |
| Total noninterest expense | $6,243,000 | 2,327 |
| Salaries and employee benefits | $2,132,000 | 3,273 |
| Premises and equipment expense | $972,000 | 1,984 |
| Additional noninterest expense | $3,139,000 | 1,691 |
| Pre-tax net operating income | $-6,249,000 | 7,432 |
| Securities gains (losses) | $425,000 | 849 |
| Applicable income taxes | $4,367,000 | 322 |
| Income before extraordinary items | $-10,191,000 | 7,579 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-10,191,000 | 7,579 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-10,191,000 | 7,579 |
| Net charge-offs | $2,868,000 | 1,181 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 820 |
| Net operating income | $-10,616,000 | 7,581 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 3,357 |
| Total interest expense | $2,216,000 | 1,955 |
| Net interest income | $2,225,000 | 4,338 |
| Provision for loan and lease losses | $868,000 | 2,099 |
| Total noninterest income | $190,000 | 5,106 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $62,000 | 5,299 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $128,000 | 4,245 |
| Total noninterest expense | $4,022,000 | 2,420 |
| Salaries and employee benefits | $1,446,000 | 3,243 |
| Premises and equipment expense | $645,000 | 2,015 |
| Additional noninterest expense | $1,931,000 | 1,825 |
| Pre-tax net operating income | $-2,475,000 | 7,345 |
| Securities gains (losses) | $171,000 | 1,041 |
| Applicable income taxes | $-909,000 | 7,599 |
| Income before extraordinary items | $-1,395,000 | 7,213 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,395,000 | 7,212 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,395,000 | 7,213 |
| Net charge-offs | $572,000 | 2,287 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 751 |
| Net operating income | $-1,504,440 | 7,233 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,514,000 | 3,092 |
| Total interest expense | $1,193,000 | 1,920 |
| Net interest income | $1,321,000 | 3,889 |
| Provision for loan and lease losses | $600,000 | 1,610 |
| Total noninterest income | $86,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $31,000 | 5,310 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $55,000 | 4,521 |
| Total noninterest expense | $1,699,000 | 2,835 |
| Salaries and employee benefits | $738,000 | 3,230 |
| Premises and equipment expense | $296,000 | 2,227 |
| Additional noninterest expense | $665,000 | 2,477 |
| Pre-tax net operating income | $-892,000 | 7,380 |
| Securities gains (losses) | $20,000 | 1,521 |
| Applicable income taxes | $-344,000 | 7,656 |
| Income before extraordinary items | $-528,000 | 7,284 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-528,000 | 7,284 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-528,000 | 7,285 |
| Net charge-offs | $505,000 | 1,573 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 685 |
| Net operating income | $-540,800 | 7,270 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,048,000 | 3,223 |
| Total interest expense | $5,591,000 | 2,042 |
| Net interest income | $4,457,000 | 4,261 |
| Provision for loan and lease losses | $2,236,000 | 2,339 |
| Total noninterest income | $-25,000 | 7,735 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $106,000 | 5,668 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-131,000 | 7,633 |
| Total noninterest expense | $6,108,000 | 3,135 |
| Salaries and employee benefits | $2,712,000 | 3,461 |
| Premises and equipment expense | $1,320,000 | 2,023 |
| Additional noninterest expense | $2,076,000 | 3,209 |
| Pre-tax net operating income | $-3,912,000 | 7,047 |
| Securities gains (losses) | $615,000 | 754 |
| Applicable income taxes | $-1,682,000 | 7,467 |
| Income before extraordinary items | $-1,615,000 | 6,619 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,615,000 | 6,619 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,615,000 | 6,619 |
| Net charge-offs | $2,155,000 | 1,944 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 1,079 |
| Net operating income | $-2,008,600 | 6,757 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,470,000 | 3,295 |
| Total interest expense | $4,236,000 | 2,105 |
| Net interest income | $3,234,000 | 4,364 |
| Provision for loan and lease losses | $1,521,000 | 2,188 |
| Total noninterest income | $-46,000 | 7,887 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $78,000 | 5,742 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-124,000 | 7,830 |
| Total noninterest expense | $4,456,000 | 3,214 |
| Salaries and employee benefits | $2,000,000 | 3,538 |
| Premises and equipment expense | $916,000 | 2,206 |
| Additional noninterest expense | $1,540,000 | 3,220 |
| Pre-tax net operating income | $-2,789,000 | 7,242 |
| Securities gains (losses) | $395,000 | 826 |
| Applicable income taxes | $-1,445,000 | 7,652 |
| Income before extraordinary items | $-949,000 | 6,721 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-949,000 | 6,722 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-949,000 | 6,722 |
| Net charge-offs | $1,366,000 | 1,866 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,004 |
| Net operating income | $-1,201,800 | 6,842 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,852,000 | 3,381 |
| Total interest expense | $2,787,000 | 2,227 |
| Net interest income | $2,065,000 | 4,492 |
| Provision for loan and lease losses | $1,081,000 | 1,980 |
| Total noninterest income | $-94,000 | 8,039 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $53,000 | 5,721 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-147,000 | 7,995 |
| Total noninterest expense | $3,033,000 | 3,193 |
| Salaries and employee benefits | $1,342,000 | 3,575 |
| Premises and equipment expense | $653,000 | 2,098 |
| Additional noninterest expense | $1,038,000 | 3,204 |
| Pre-tax net operating income | $-2,143,000 | 7,421 |
| Securities gains (losses) | $302,000 | 763 |
| Applicable income taxes | $-978,000 | 7,749 |
| Income before extraordinary items | $-863,000 | 7,069 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-863,000 | 7,068 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-863,000 | 7,068 |
| Net charge-offs | $1,071,000 | 1,580 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 993 |
| Net operating income | $-1,056,280 | 7,164 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,563,000 | 3,278 |
| Total interest expense | $1,414,000 | 2,260 |
| Net interest income | $1,149,000 | 4,139 |
| Provision for loan and lease losses | $826,000 | 1,320 |
| Total noninterest income | $-1,000 | 8,087 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $27,000 | 5,653 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-28,000 | 8,057 |
| Total noninterest expense | $1,248,000 | 3,659 |
| Salaries and employee benefits | $647,000 | 3,700 |
| Premises and equipment expense | $306,000 | 2,259 |
| Additional noninterest expense | $295,000 | 4,466 |
| Pre-tax net operating income | $-926,000 | 7,609 |
| Securities gains (losses) | $181,000 | 711 |
| Applicable income taxes | $-296,000 | 7,789 |
| Income before extraordinary items | $-449,000 | 7,393 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-449,000 | 7,394 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-449,000 | 7,394 |
| Net charge-offs | $918,000 | 1,002 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $672,000 | 186 |
| Net operating income | $-564,840 | 7,477 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,463,000 | 3,414 |
| Total interest expense | $5,622,000 | 2,662 |
| Net interest income | $4,841,000 | 4,040 |
| Provision for loan and lease losses | $1,993,000 | 1,803 |
| Total noninterest income | $268,000 | 6,019 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $94,000 | 5,981 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $174,000 | 5,076 |
| Total noninterest expense | $4,337,000 | 3,993 |
| Salaries and employee benefits | $2,156,000 | 4,212 |
| Premises and equipment expense | $898,000 | 2,876 |
| Additional noninterest expense | $1,283,000 | 4,063 |
| Pre-tax net operating income | $-1,221,000 | 7,113 |
| Securities gains (losses) | $240,000 | 639 |
| Applicable income taxes | $-553,000 | 7,533 |
| Income before extraordinary items | $-428,000 | 6,668 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-428,000 | 6,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,295,000 | 1,696 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $2,108,000 | 318 |
| Net operating income | $-581,600 | 6,896 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,610,000 | 3,551 |
| Total interest expense | $4,114,000 | 2,839 |
| Net interest income | $3,496,000 | 4,163 |
| Provision for loan and lease losses | $530,000 | 2,652 |
| Total noninterest income | $221,000 | 5,915 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $71,000 | 6,004 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $150,000 | 4,951 |
| Total noninterest expense | $3,183,000 | 4,039 |
| Salaries and employee benefits | $1,594,000 | 4,272 |
| Premises and equipment expense | $660,000 | 2,945 |
| Additional noninterest expense | $929,000 | 4,101 |
| Pre-tax net operating income | $4,000 | 6,718 |
| Securities gains (losses) | $213,000 | 589 |
| Applicable income taxes | $33,000 | 4,365 |
| Income before extraordinary items | $184,000 | 5,785 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $184,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,840 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $1,880,000 | 236 |
| Net operating income | $2,950 | 6,754 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,841,000 | 3,727 |
| Total interest expense | $2,662,000 | 3,019 |
| Net interest income | $2,179,000 | 4,341 |
| Provision for loan and lease losses | $275,000 | 2,680 |
| Total noninterest income | $164,000 | 5,824 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $50,000 | 5,955 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $114,000 | 4,822 |
| Total noninterest expense | $2,074,000 | 4,130 |
| Salaries and employee benefits | $1,061,000 | 4,324 |
| Premises and equipment expense | $434,000 | 2,986 |
| Additional noninterest expense | $579,000 | 4,293 |
| Pre-tax net operating income | $-6,000 | 6,967 |
| Securities gains (losses) | $194,000 | 630 |
| Applicable income taxes | $44,000 | 4,166 |
| Income before extraordinary items | $144,000 | 6,015 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,235 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $1,814,000 | 163 |
| Net operating income | $-5,380 | 6,994 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,344,000 | 3,888 |
| Total interest expense | $1,322,000 | 3,204 |
| Net interest income | $1,022,000 | 4,548 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $54,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $36,000 | 5,627 |
| Total noninterest expense | $998,000 | 4,238 |
| Salaries and employee benefits | $498,000 | 4,564 |
| Premises and equipment expense | $210,000 | 3,095 |
| Additional noninterest expense | $290,000 | 4,222 |
| Pre-tax net operating income | $-27,000 | 7,317 |
| Securities gains (losses) | $97,000 | 725 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $70,000 | 6,273 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $70,000 | 6,274 |
| 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 | $7,000 | 866 |
| Net operating income | $-27,000 | 7,352 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,575,000 | 4,524 |
| Total interest expense | $4,382,000 | 3,785 |
| Net interest income | $3,193,000 | 5,330 |
| Provision for loan and lease losses | $309,000 | 3,136 |
| Total noninterest income | $237,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $75,000 | 6,371 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $162,000 | 5,445 |
| Total noninterest expense | $3,541,000 | 4,477 |
| Salaries and employee benefits | $1,723,000 | 4,890 |
| Premises and equipment expense | $825,000 | 2,998 |
| Additional noninterest expense | $993,000 | 4,691 |
| Pre-tax net operating income | $-420,000 | 7,765 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,102,000 | 8,460 |
| Income before extraordinary items | $1,682,000 | 3,187 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,682,000 | 3,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $1,260,000 | 404 |
| Net operating income | $1,682,000 | 3,174 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,341,000 | 4,713 |
| Total interest expense | $3,037,000 | 3,981 |
| Net interest income | $2,304,000 | 5,469 |
| Provision for loan and lease losses | $184,000 | 3,124 |
| Total noninterest income | $112,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $56,000 | 6,413 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $56,000 | 6,645 |
| Total noninterest expense | $2,654,000 | 4,467 |
| Salaries and employee benefits | $1,321,000 | 4,791 |
| Premises and equipment expense | $617,000 | 3,007 |
| Additional noninterest expense | $716,000 | 4,731 |
| Pre-tax net operating income | $-422,000 | 8,031 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-2,079,000 | 8,524 |
| Income before extraordinary items | $1,657,000 | 2,768 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,657,000 | 2,766 |
| 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 | $1,225,000 | 305 |
| Net operating income | $1,657,000 | 2,752 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,352,000 | 4,893 |
| Total interest expense | $1,876,000 | 4,184 |
| Net interest income | $1,476,000 | 5,598 |
| Provision for loan and lease losses | $124,000 | 2,932 |
| Total noninterest income | $72,000 | 7,263 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $37,000 | 6,450 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $35,000 | 6,783 |
| Total noninterest expense | $1,754,000 | 4,519 |
| Salaries and employee benefits | $858,000 | 4,904 |
| Premises and equipment expense | $419,000 | 2,984 |
| Additional noninterest expense | $477,000 | 4,719 |
| Pre-tax net operating income | $-330,000 | 8,176 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-2,002,000 | 8,597 |
| Income before extraordinary items | $1,672,000 | 2,037 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,672,000 | 2,036 |
| 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 | $10,000 | 965 |
| Net operating income | $1,672,000 | 2,020 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,589,000 | 5,054 |
| Total interest expense | $908,000 | 4,241 |
| Net interest income | $681,000 | 5,828 |
| Provision for loan and lease losses | $64,000 | 2,702 |
| Total noninterest income | $36,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $20,000 | 6,614 |
| Total noninterest expense | $841,000 | 4,651 |
| Salaries and employee benefits | $411,000 | 5,069 |
| Premises and equipment expense | $207,000 | 3,020 |
| Additional noninterest expense | $223,000 | 4,889 |
| Pre-tax net operating income | $-188,000 | 8,290 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-1,937,000 | 8,636 |
| Income before extraordinary items | $1,749,000 | 1,009 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,749,000 | 1,008 |
| 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 | $4,000 | 831 |
| Net operating income | $1,749,000 | 991 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 6,182 |
| Total interest expense | $1,918,000 | 5,523 |
| Net interest income | $1,990,000 | 6,564 |
| Provision for loan and lease losses | $404,000 | 2,242 |
| Total noninterest income | $80,000 | 7,945 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $42,000 | 7,008 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 7,516 |
| Total noninterest expense | $3,218,000 | 4,667 |
| Salaries and employee benefits | $1,663,000 | 4,873 |
| Premises and equipment expense | $705,000 | 3,320 |
| Additional noninterest expense | $850,000 | 5,037 |
| Pre-tax net operating income | $-1,552,000 | 8,534 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-1,552,000 | 8,557 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,552,000 | 8,557 |
| 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 | $5,523,000 | 300 |
| Net operating income | $-1,552,000 | 8,548 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,499,000 | 6,557 |
| Total interest expense | $1,135,000 | 6,040 |
| Net interest income | $1,364,000 | 6,857 |
| Provision for loan and lease losses | $264,000 | 2,386 |
| Total noninterest income | $54,000 | 8,104 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $28,000 | 7,153 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,656 |
| Total noninterest expense | $2,390,000 | 4,676 |
| Salaries and employee benefits | $1,246,000 | 4,848 |
| Premises and equipment expense | $517,000 | 3,380 |
| Additional noninterest expense | $627,000 | 5,070 |
| Pre-tax net operating income | $-1,236,000 | 8,624 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-1,236,000 | 8,639 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,236,000 | 8,639 |
| 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 | $4,629,000 | 249 |
| Net operating income | $-1,236,000 | 8,631 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 7,025 |
| Total interest expense | $588,000 | 6,528 |
| Net interest income | $779,000 | 7,223 |
| Provision for loan and lease losses | $159,000 | 2,501 |
| Total noninterest income | $33,000 | 8,211 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $14,000 | 7,307 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 7,607 |
| Total noninterest expense | $1,616,000 | 4,642 |
| Salaries and employee benefits | $842,000 | 4,832 |
| Premises and equipment expense | $339,000 | 3,408 |
| Additional noninterest expense | $435,000 | 4,936 |
| Pre-tax net operating income | $-963,000 | 8,678 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-963,000 | 8,697 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-963,000 | 8,697 |
| 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 | $3,126,000 | 184 |
| Net operating income | $-963,000 | 8,686 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $523,000 | 7,524 |
| Total interest expense | $197,000 | 7,248 |
| Net interest income | $326,000 | 7,577 |
| Provision for loan and lease losses | $46,000 | 3,241 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $5,000 | 7,423 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,271 |
| Total noninterest expense | $812,000 | 4,646 |
| Salaries and employee benefits | $412,000 | 4,912 |
| Premises and equipment expense | $170,000 | 3,421 |
| Additional noninterest expense | $230,000 | 4,721 |
| Pre-tax net operating income | $-514,000 | 8,700 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-514,000 | 8,711 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-514,000 | 8,710 |
| 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 | $-514,000 | 8,702 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 8,207 |
| Total interest expense | $272,000 | 8,259 |
| Net interest income | $894,000 | 8,097 |
| Provision for loan and lease losses | $232,000 | 3,334 |
| Total noninterest income | $32,000 | 8,536 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $9,000 | 7,607 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,000 | 8,051 |
| Total noninterest expense | $2,861,000 | 4,944 |
| Salaries and employee benefits | $1,234,000 | 5,703 |
| Premises and equipment expense | $545,000 | 3,931 |
| Additional noninterest expense | $1,082,000 | 4,153 |
| Pre-tax net operating income | $-2,167,000 | 8,767 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-2,167,000 | 8,780 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-2,167,000 | 8,780 |
| 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 | $120,000 | 701 |
| Net operating income | $-2,167,000 | 8,764 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $700,000 | 8,417 |
| Total interest expense | $130,000 | 8,523 |
| Net interest income | $570,000 | 8,317 |
| Provision for loan and lease losses | $74,000 | 4,739 |
| Total noninterest income | $23,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,000 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 8,051 |
| Total noninterest expense | $2,006,000 | 5,133 |
| Salaries and employee benefits | $876,000 | 5,849 |
| Premises and equipment expense | $373,000 | 4,178 |
| Additional noninterest expense | $757,000 | 4,365 |
| Pre-tax net operating income | $-1,487,000 | 8,778 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-1,487,000 | 8,798 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,487,000 | 8,798 |
| 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 | $120,000 | 544 |
| Net operating income | $-1,487,000 | 8,777 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $379,000 | 8,557 |
| Total interest expense | $65,000 | 8,611 |
| Net interest income | $314,000 | 8,477 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $6,000 | 8,715 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,000 | 7,732 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $4,000 | 8,501 |
| Total noninterest expense | $1,271,000 | 5,279 |
| Salaries and employee benefits | $563,000 | 5,952 |
| Premises and equipment expense | $221,000 | 4,481 |
| Additional noninterest expense | $487,000 | 4,471 |
| Pre-tax net operating income | $-971,000 | 8,774 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-971,000 | 8,797 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-971,000 | 8,797 |
| 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 | $120,000 | 411 |
| Net operating income | $-971,000 | 8,778 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $124,000 | 8,770 |
| Total interest expense | $15,000 | 8,808 |
| Net interest income | $109,000 | 8,722 |
| Provision for loan and lease losses | $13,000 | 5,229 |
| Total noninterest income | $2,000 | 8,803 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $633,000 | 5,330 |
| Salaries and employee benefits | $280,000 | 6,012 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $247,000 | 4,407 |
| Pre-tax net operating income | $-535,000 | 8,857 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-535,000 | 8,872 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-535,000 | 8,872 |
| 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 | $120,000 | 250 |
| Net operating income | $-535,000 | 8,858 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $60,000 | 8,941 |
| Total interest expense | $1,000 | 8,945 |
| Net interest income | $59,000 | 8,932 |
| Provision for loan and lease losses | $6,000 | 7,145 |
| Total noninterest income | $0 | 8,923 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $1,380,000 | 7,117 |
| Salaries and employee benefits | $731,000 | 7,175 |
| Premises and equipment expense | $126,000 | 7,636 |
| Additional noninterest expense | $523,000 | 6,409 |
| Pre-tax net operating income | $-1,327,000 | 8,847 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,327,000 | 8,871 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,327,000 | 8,872 |
| 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 | $11,572,000 | 85 |
| Net operating income | $-1,327,000 | 8,849 |
* 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.