Home > Heritage Bank > Income and Expense

Heritage Bank, Income and Expense

2012-12-31 (YTD Data)		Rank
Total interest income	$397,000	7,021
Total interest expense	$18,000	7,043
Net interest income	$379,000	7,011
Provision for loan and lease losses	$0	5,905
Total noninterest income	$25,000	6,738
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$18,000	6,691
Trading account gains and fees	$0	166
Additional Noninterest Income	$7,000	6,448
Total noninterest expense	$339,000	7,041
Salaries and employee benefits	$74,000	7,059
Premises and equipment expense	$5,000	7,053
Additional noninterest expense	$260,000	6,716
Pre-tax net operating income	$65,000	5,997
Securities gains (losses)	$0	3,810
Applicable income taxes	$27,000	4,099
Income before extraordinary items	$38,000	6,225
Extraordinary gains, net	$0	29
Net income	$38,000	6,219
Minority interest net income	$0	93
Net income of bank and minority interests.	$38,000	6,221
Net charge-offs	$0	5,985
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$38,000	6,077
2012-09-30 (YTD Data)		Rank
Total interest income	$3,647,000	4,455
Total interest expense	$795,000	3,601
Net interest income	$2,852,000	4,610
Provision for loan and lease losses	$0	5,790
Total noninterest income	$762,000	3,255
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$207,000	3,688
Trading account gains and fees	$0	157
Additional Noninterest Income	$555,000	2,784
Total noninterest expense	$3,064,000	4,004
Salaries and employee benefits	$1,768,000	3,724
Premises and equipment expense	$278,000	4,537
Additional noninterest expense	$1,018,000	4,061
Pre-tax net operating income	$550,000	4,594
Securities gains (losses)	$0	3,575
Applicable income taxes	$0	4,802
Income before extraordinary items	$550,000	4,525
Extraordinary gains, net	$0	20
Net income	$550,000	4,524
Minority interest net income	$0	86
Net income of bank and minority interests.	$550,000	4,523
Net charge-offs	$104,000	3,935
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$550,000	4,341
2012-06-30 (YTD Data)		Rank
Total interest income	$2,499,000	4,412
Total interest expense	$542,000	3,639
Net interest income	$1,957,000	4,557
Provision for loan and lease losses	$0	5,619
Total noninterest income	$618,000	2,883
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$139,000	3,661
Trading account gains and fees	$0	153
Additional Noninterest Income	$479,000	2,391
Total noninterest expense	$2,066,000	3,989
Salaries and employee benefits	$1,195,000	3,713
Premises and equipment expense	$182,000	4,598
Additional noninterest expense	$689,000	4,025
Pre-tax net operating income	$509,000	4,091
Securities gains (losses)	$0	3,178
Applicable income taxes	$0	4,770
Income before extraordinary items	$509,000	3,959
Extraordinary gains, net	$0	19
Net income	$509,000	3,961
Minority interest net income	$0	84
Net income of bank and minority interests.	$509,000	3,962
Net charge-offs	$31,000	4,381
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$509,000	3,761
2012-03-31 (YTD Data)		Rank
Total interest income	$1,299,000	4,352
Total interest expense	$279,000	3,676
Net interest income	$1,020,000	4,459
Provision for loan and lease losses	$0	5,254
Total noninterest income	$319,000	2,853
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$75,000	3,513
Trading account gains and fees	$0	148
Additional Noninterest Income	$244,000	2,374
Total noninterest expense	$1,047,000	3,980
Salaries and employee benefits	$603,000	3,725
Premises and equipment expense	$95,000	4,508
Additional noninterest expense	$349,000	3,993
Pre-tax net operating income	$292,000	3,889
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$292,000	3,702
Extraordinary gains, net	$0	19
Net income	$292,000	3,704
Minority interest net income	$0	78
Net income of bank and minority interests.	$292,000	3,705
Net charge-offs	$22,000	3,626
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$292,000	3,533
2011-12-31 (YTD Data)		Rank
Total interest income	$5,723,000	4,212
Total interest expense	$1,630,000	3,236
Net interest income	$4,093,000	4,484
Provision for loan and lease losses	$1,250,000	2,103
Total noninterest income	$513,000	4,347
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$198,000	4,399
Trading account gains and fees	$0	146
Additional Noninterest Income	$315,000	3,780
Total noninterest expense	$6,432,000	2,887
Salaries and employee benefits	$2,142,000	3,982
Premises and equipment expense	$417,000	4,473
Additional noninterest expense	$3,873,000	1,751
Pre-tax net operating income	$-3,076,000	6,925
Securities gains (losses)	$0	3,838
Applicable income taxes	$0	4,719
Income before extraordinary items	$-3,076,000	6,957
Extraordinary gains, net	$0	29
Net income	$-3,076,000	6,958
Minority interest net income	$0	96
Net income of bank and minority interests.	$-3,076,000	6,958
Net charge-offs	$1,635,000	1,765
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-3,076,000	6,940
2011-09-30 (YTD Data)		Rank
Total interest income	$4,397,000	4,192
Total interest expense	$1,330,000	3,145
Net interest income	$3,067,000	4,508
Provision for loan and lease losses	$1,250,000	1,706
Total noninterest income	$231,000	5,238
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$139,000	4,544
Trading account gains and fees	$0	145
Additional Noninterest Income	$92,000	5,182
Total noninterest expense	$4,355,000	3,140
Salaries and employee benefits	$1,522,000	4,148
Premises and equipment expense	$321,000	4,464
Additional noninterest expense	$2,512,000	2,011
Pre-tax net operating income	$-2,307,000	7,044
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$-2,307,000	7,094
Extraordinary gains, net	$0	21
Net income	$-2,307,000	7,095
Minority interest net income	$0	87
Net income of bank and minority interests.	$-2,307,000	7,095
Net charge-offs	$1,670,000	1,385
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-2,307,000	7,078
2011-06-30 (YTD Data)		Rank
Total interest income	$3,008,000	4,136
Total interest expense	$944,000	3,097
Net interest income	$2,064,000	4,494
Provision for loan and lease losses	$500,000	2,302
Total noninterest income	$163,000	5,178
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$85,000	4,685
Trading account gains and fees	$0	153
Additional Noninterest Income	$78,000	4,942
Total noninterest expense	$2,947,000	3,142
Salaries and employee benefits	$973,000	4,277
Premises and equipment expense	$212,000	4,529
Additional noninterest expense	$1,762,000	1,935
Pre-tax net operating income	$-1,220,000	7,034
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$-1,220,000	7,088
Extraordinary gains, net	$0	15
Net income	$-1,220,000	7,088
Minority interest net income	$0	89
Net income of bank and minority interests.	$-1,220,000	7,089
Net charge-offs	$790,000	1,678
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-1,220,000	7,067
2011-03-31 (YTD Data)		Rank
Total interest income	$1,523,000	4,115
Total interest expense	$477,000	3,164
Net interest income	$1,046,000	4,441
Provision for loan and lease losses	$400,000	1,629
Total noninterest income	$57,000	5,797
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$43,000	4,615
Trading account gains and fees	$0	158
Additional Noninterest Income	$14,000	6,135
Total noninterest expense	$978,000	4,239
Salaries and employee benefits	$431,000	4,650
Premises and equipment expense	$104,000	4,611
Additional noninterest expense	$443,000	3,491
Pre-tax net operating income	$-275,000	6,905
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-275,000	6,965
Extraordinary gains, net	$0	9
Net income	$-275,000	6,965
Minority interest net income	$0	86
Net income of bank and minority interests.	$-275,000	6,965
Net charge-offs	$53,000	3,302
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-275,000	6,946
2010-12-31 (YTD Data)		Rank
Total interest income	$6,737,000	4,005
Total interest expense	$2,426,000	3,064
Net interest income	$4,311,000	4,353
Provision for loan and lease losses	$3,960,000	1,350
Total noninterest income	$409,000	4,932
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$180,000	4,607
Trading account gains and fees	$0	175
Additional Noninterest Income	$229,000	4,389
Total noninterest expense	$6,077,000	3,072
Salaries and employee benefits	$1,916,000	4,364
Premises and equipment expense	$472,000	4,341
Additional noninterest expense	$3,689,000	1,928
Pre-tax net operating income	$-5,317,000	7,132
Securities gains (losses)	$400,000	1,046
Applicable income taxes	$0	4,655
Income before extraordinary items	$-4,917,000	7,169
Extraordinary gains, net	$0	29
Net income	$-4,917,000	7,169
Minority interest net income	$0	111
Net income of bank and minority interests.	$-4,917,000	7,169
Net charge-offs	$4,846,000	1,051
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-5,317,000	7,175
2010-09-30 (YTD Data)		Rank
Total interest income	$5,161,000	4,029
Total interest expense	$1,892,000	3,092
Net interest income	$3,269,000	4,381
Provision for loan and lease losses	$2,379,000	1,475
Total noninterest income	$352,000	4,763
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$137,000	4,657
Trading account gains and fees	$0	165
Additional Noninterest Income	$215,000	4,066
Total noninterest expense	$4,419,000	3,158
Salaries and employee benefits	$1,381,000	4,484
Premises and equipment expense	$380,000	4,208
Additional noninterest expense	$2,658,000	1,948
Pre-tax net operating income	$-3,177,000	7,226
Securities gains (losses)	$400,000	892
Applicable income taxes	$0	4,726
Income before extraordinary items	$-2,777,000	7,250
Extraordinary gains, net	$0	23
Net income	$-2,777,000	7,250
Minority interest net income	$0	110
Net income of bank and minority interests.	$-2,777,000	7,250
Net charge-offs	$2,633,000	1,260
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-3,177,000	7,269
2010-06-30 (YTD Data)		Rank
Total interest income	$3,494,000	4,024
Total interest expense	$1,272,000	3,166
Net interest income	$2,222,000	4,340
Provision for loan and lease losses	$1,219,000	1,729
Total noninterest income	$266,000	4,488
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$88,000	4,706
Trading account gains and fees	$0	152
Additional Noninterest Income	$178,000	3,703
Total noninterest expense	$2,282,000	3,862
Salaries and employee benefits	$827,000	4,832
Premises and equipment expense	$255,000	4,219
Additional noninterest expense	$1,200,000	2,717
Pre-tax net operating income	$-1,013,000	7,018
Securities gains (losses)	$400,000	572
Applicable income taxes	$0	4,691
Income before extraordinary items	$-613,000	6,924
Extraordinary gains, net	$0	19
Net income	$-613,000	6,924
Minority interest net income	$0	105
Net income of bank and minority interests.	$-613,000	6,924
Net charge-offs	$534,000	2,365
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,013,000	7,075
2010-03-31 (YTD Data)		Rank
Total interest income	$1,735,000	4,100
Total interest expense	$629,000	3,314
Net interest income	$1,106,000	4,375
Provision for loan and lease losses	$1,025,000	1,152
Total noninterest income	$54,000	6,024
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$45,000	4,675
Trading account gains and fees	$0	175
Additional Noninterest Income	$9,000	6,695
Total noninterest expense	$1,085,000	4,039
Salaries and employee benefits	$422,000	4,840
Premises and equipment expense	$122,000	4,428
Additional noninterest expense	$541,000	2,964
Pre-tax net operating income	$-950,000	7,401
Securities gains (losses)	$333,000	352
Applicable income taxes	$0	4,611
Income before extraordinary items	$-617,000	7,324
Extraordinary gains, net	$0	16
Net income	$-617,000	7,324
Minority interest net income	$0	91
Net income of bank and minority interests.	$-617,000	7,325
Net charge-offs	$484,000	1,606
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-950,000	7,444
2009-12-31 (YTD Data)		Rank
Total interest income	$8,409,000	3,689
Total interest expense	$3,736,000	2,892
Net interest income	$4,673,000	4,113
Provision for loan and lease losses	$5,913,000	1,254
Total noninterest income	$269,000	5,786
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$228,000	4,405
Trading account gains and fees	$0	211
Additional Noninterest Income	$41,000	6,543
Total noninterest expense	$5,345,000	3,481
Salaries and employee benefits	$2,039,000	4,296
Premises and equipment expense	$509,000	4,329
Additional noninterest expense	$2,797,000	2,499
Pre-tax net operating income	$-6,316,000	7,298
Securities gains (losses)	$489,000	895
Applicable income taxes	$0	4,388
Income before extraordinary items	$-5,827,000	7,343
Extraordinary gains, net	$0	34
Net income	$-5,827,000	7,343
Minority interest net income	$0	115
Net income of bank and minority interests.	$-5,827,000	7,343
Net charge-offs	$5,711,000	1,035
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-6,316,000	7,388
2009-09-30 (YTD Data)		Rank
Total interest income	$6,481,000	3,666
Total interest expense	$3,054,000	2,819
Net interest income	$3,427,000	4,186
Provision for loan and lease losses	$3,963,000	1,236
Total noninterest income	$191,000	5,970
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$175,000	4,381
Trading account gains and fees	$0	212
Additional Noninterest Income	$16,000	7,114
Total noninterest expense	$4,016,000	3,486
Salaries and employee benefits	$1,433,000	4,522
Premises and equipment expense	$379,000	4,393
Additional noninterest expense	$2,204,000	2,362
Pre-tax net operating income	$-4,361,000	7,449
Securities gains (losses)	$489,000	713
Applicable income taxes	$0	4,592
Income before extraordinary items	$-3,872,000	7,474
Extraordinary gains, net	$0	27
Net income	$-3,872,000	7,474
Minority interest net income	$0	118
Net income of bank and minority interests.	$-3,872,000	7,474
Net charge-offs	$4,084,000	963
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-4,361,000	7,530
2009-06-30 (YTD Data)		Rank
Total interest income	$4,479,000	3,605
Total interest expense	$2,163,000	2,778
Net interest income	$2,316,000	4,123
Provision for loan and lease losses	$2,913,000	1,106
Total noninterest income	$126,000	6,021
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$115,000	4,375
Trading account gains and fees	$0	193
Additional Noninterest Income	$11,000	7,209
Total noninterest expense	$2,596,000	3,611
Salaries and employee benefits	$966,000	4,545
Premises and equipment expense	$256,000	4,393
Additional noninterest expense	$1,374,000	2,527
Pre-tax net operating income	$-3,067,000	7,577
Securities gains (losses)	$489,000	516
Applicable income taxes	$0	4,657
Income before extraordinary items	$-2,578,000	7,578
Extraordinary gains, net	$0	21
Net income	$-2,578,000	7,577
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,578,000	7,577
Net charge-offs	$3,675,000	726
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-3,067,000	7,652
2009-03-31 (YTD Data)		Rank
Total interest income	$2,340,000	3,526
Total interest expense	$1,118,000	2,797
Net interest income	$1,222,000	4,012
Provision for loan and lease losses	$833,000	1,314
Total noninterest income	$38,000	6,716
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$52,000	4,522
Trading account gains and fees	$0	171
Additional Noninterest Income	$-14,000	8,007
Total noninterest expense	$1,115,000	3,983
Salaries and employee benefits	$471,000	4,670
Premises and equipment expense	$131,000	4,367
Additional noninterest expense	$513,000	2,950
Pre-tax net operating income	$-688,000	7,479
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-688,000	7,579
Extraordinary gains, net	$0	15
Net income	$-688,000	7,580
Minority interest net income	$0	102
Net income of bank and minority interests.	$-688,000	7,580
Net charge-offs	$1,120,000	892
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-688,000	7,564
2008-12-31 (YTD Data)		Rank
Total interest income	$8,447,000	3,986
Total interest expense	$3,341,000	3,961
Net interest income	$5,106,000	3,896
Provision for loan and lease losses	$3,062,000	1,368
Total noninterest income	$189,000	6,556
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$141,000	5,435
Trading account gains and fees	$0	154
Additional Noninterest Income	$48,000	6,793
Total noninterest expense	$29,760,000	669
Salaries and employee benefits	$2,007,000	4,434
Premises and equipment expense	$508,000	4,419
Additional noninterest expense	$27,245,000	323
Pre-tax net operating income	$-27,527,000	8,141
Securities gains (losses)	$0	3,220
Applicable income taxes	$0	4,979
Income before extraordinary items	$-27,527,000	8,134
Extraordinary gains, net	$0	39
Net income	$-27,527,000	8,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,011,000	1,952
Cash dividends	$1,364,000	1,859
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-27,527,000	8,150
2008-09-30 (YTD Data)		Rank
Total interest income	$6,186,000	4,129
Total interest expense	$2,158,000	4,486
Net interest income	$4,028,000	3,781
Provision for loan and lease losses	$1,352,000	1,527
Total noninterest income	$124,000	6,858
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$93,000	5,642
Trading account gains and fees	$0	148
Additional Noninterest Income	$31,000	7,091
Total noninterest expense	$4,038,000	3,357
Salaries and employee benefits	$1,698,000	4,089
Premises and equipment expense	$377,000	4,469
Additional noninterest expense	$1,963,000	2,195
Pre-tax net operating income	$-1,238,000	7,646
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$-1,238,000	7,623
Extraordinary gains, net	$0	31
Net income	$-1,238,000	7,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	4,819
Cash dividends	$1,364,000	1,422
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,238,000	7,722
2008-06-30 (YTD Data)		Rank
Total interest income	$3,917,000	4,314
Total interest expense	$1,273,000	4,954
Net interest income	$2,644,000	3,829
Provision for loan and lease losses	$701,000	1,526
Total noninterest income	$79,000	6,971
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$64,000	5,604
Trading account gains and fees	$0	149
Additional Noninterest Income	$15,000	7,431
Total noninterest expense	$2,788,000	3,280
Salaries and employee benefits	$1,244,000	3,856
Premises and equipment expense	$247,000	4,539
Additional noninterest expense	$1,297,000	2,184
Pre-tax net operating income	$-766,000	7,774
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$-766,000	7,882
Extraordinary gains, net	$0	21
Net income	$-766,000	7,881
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$1,363,000	1,082
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-766,000	7,860
2008-03-31 (YTD Data)		Rank
Total interest income	$1,948,000	4,396
Total interest expense	$643,000	5,103
Net interest income	$1,305,000	3,855
Provision for loan and lease losses	$167,000	2,012
Total noninterest income	$40,000	6,960
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$34,000	5,506
Trading account gains and fees	$0	158
Additional Noninterest Income	$6,000	7,600
Total noninterest expense	$1,432,000	3,206
Salaries and employee benefits	$686,000	3,601
Premises and equipment expense	$120,000	4,630
Additional noninterest expense	$626,000	2,235
Pre-tax net operating income	$-254,000	7,843
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-254,000	7,918
Extraordinary gains, net	$0	15
Net income	$-254,000	7,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$332,000	1,779
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-254,000	7,893
2007-12-31 (YTD Data)		Rank
Total interest income	$9,586,000	3,872
Total interest expense	$2,381,000	5,391
Net interest income	$7,205,000	3,018
Provision for loan and lease losses	$166,000	4,180
Total noninterest income	$218,000	6,626
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$139,000	5,547
Trading account gains and fees	$0	178
Additional Noninterest Income	$79,000	6,539
Total noninterest expense	$4,809,000	3,555
Salaries and employee benefits	$2,047,000	4,318
Premises and equipment expense	$494,000	4,401
Additional noninterest expense	$2,268,000	2,376
Pre-tax net operating income	$2,448,000	2,872
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$2,448,000	2,423
Extraordinary gains, net	$0	39
Net income	$2,448,000	2,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$707,000	3,169
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,448,000	2,409
2007-09-30 (YTD Data)		Rank
Total interest income	$7,364,000	3,821
Total interest expense	$1,650,000	5,627
Net interest income	$5,714,000	2,862
Provision for loan and lease losses	$0	6,528
Total noninterest income	$180,000	6,508
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$108,000	5,504
Trading account gains and fees	$0	184
Additional Noninterest Income	$72,000	6,310
Total noninterest expense	$4,061,000	3,205
Salaries and employee benefits	$1,768,000	3,877
Premises and equipment expense	$371,000	4,385
Additional noninterest expense	$1,922,000	2,086
Pre-tax net operating income	$1,833,000	3,019
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$1,833,000	2,563
Extraordinary gains, net	$0	33
Net income	$1,833,000	2,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$523,000	2,872
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,833,000	2,539
2007-06-30 (YTD Data)		Rank
Total interest income	$5,078,000	3,742
Total interest expense	$1,087,000	5,664
Net interest income	$3,991,000	2,762
Provision for loan and lease losses	$0	6,209
Total noninterest income	$97,000	6,887
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$74,000	5,482
Trading account gains and fees	$0	168
Additional Noninterest Income	$23,000	7,240
Total noninterest expense	$2,745,000	3,201
Salaries and employee benefits	$1,148,000	3,977
Premises and equipment expense	$235,000	4,553
Additional noninterest expense	$1,362,000	1,981
Pre-tax net operating income	$1,343,000	2,887
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$1,343,000	2,413
Extraordinary gains, net	$0	29
Net income	$1,343,000	2,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$306,000	3,082
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,343,000	2,397
2007-03-31 (YTD Data)		Rank
Total interest income	$2,549,000	3,732
Total interest expense	$552,000	5,610
Net interest income	$1,997,000	2,761
Provision for loan and lease losses	$0	5,779
Total noninterest income	$50,000	6,824
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$37,000	5,442
Trading account gains and fees	$0	195
Additional Noninterest Income	$13,000	7,127
Total noninterest expense	$1,333,000	3,284
Salaries and employee benefits	$526,000	4,270
Premises and equipment expense	$108,000	4,816
Additional noninterest expense	$699,000	1,908
Pre-tax net operating income	$714,000	2,759
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$714,000	2,278
Extraordinary gains, net	$0	22
Net income	$714,000	2,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$85,000	3,272
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$714,000	2,259
2006-12-31 (YTD Data)		Rank
Total interest income	$2,895,000	6,854
Total interest expense	$706,000	7,504
Net interest income	$2,189,000	6,351
Provision for loan and lease losses	$76,000	5,071
Total noninterest income	$43,000	8,264
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$36,000	7,090
Trading account gains and fees	$0	130
Additional Noninterest Income	$7,000	8,343
Total noninterest expense	$2,181,000	5,906
Salaries and employee benefits	$690,000	7,314
Premises and equipment expense	$148,000	7,280
Additional noninterest expense	$1,343,000	3,605
Pre-tax net operating income	$-25,000	7,992
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$-25,000	8,011
Extraordinary gains, net	$0	51
Net income	$-25,000	8,013
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	$45,625,000	23
Net operating income	$-25,000	7,999
2006-09-30 (YTD Data)		Rank
Total interest income	$367,000	8,607
Total interest expense	$91,000	8,570
Net interest income	$276,000	8,581
Provision for loan and lease losses	$893,000	859
Total noninterest income	$4,000	8,611
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$3,000	7,593
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,000	8,569
Total noninterest expense	$774,000	7,663
Salaries and employee benefits	$161,000	8,580
Premises and equipment expense	$13,000	8,653
Additional noninterest expense	$600,000	5,215
Pre-tax net operating income	$-1,387,000	8,647
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-1,387,000	8,662
Extraordinary gains, net	$0	45
Net income	$-1,387,000	8,662
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	$45,625,000	10
Net operating income	$-1,387,000	8,657

* 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.