Home > High Desert State Bank > Income and Expense
High Desert State Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $668,000 | 6,493 |
| Total interest expense | $310,000 | 5,132 |
| Net interest income | $358,000 | 6,971 |
| Provision for loan and lease losses | $1,800,000 | 801 |
| Total noninterest income | $-1,337,000 | 7,911 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $4,000 | 6,875 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,341,000 | 7,911 |
| Total noninterest expense | $868,000 | 4,688 |
| Salaries and employee benefits | $272,000 | 6,028 |
| Premises and equipment expense | $84,000 | 5,347 |
| Additional noninterest expense | $512,000 | 3,119 |
| Pre-tax net operating income | $-3,647,000 | 7,720 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-3,647,000 | 7,740 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,647,000 | 7,741 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,647,000 | 7,741 |
| Net charge-offs | $1,038,000 | 1,013 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-3,647,000 | 7,733 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,544,000 | 5,995 |
| Total interest expense | $2,552,000 | 3,834 |
| Net interest income | $992,000 | 7,451 |
| Provision for loan and lease losses | $3,150,000 | 1,916 |
| Total noninterest income | $-917,000 | 7,916 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $15,000 | 6,959 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-932,000 | 7,867 |
| Total noninterest expense | $4,359,000 | 4,092 |
| Salaries and employee benefits | $1,380,000 | 5,432 |
| Premises and equipment expense | $307,000 | 5,594 |
| Additional noninterest expense | $2,672,000 | 2,594 |
| Pre-tax net operating income | $-7,434,000 | 7,377 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-7,434,000 | 7,457 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,434,000 | 7,454 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,434,000 | 7,455 |
| Net charge-offs | $792,000 | 3,188 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,434,000 | 7,468 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 5,892 |
| Total interest expense | $2,036,000 | 3,811 |
| Net interest income | $823,000 | 7,404 |
| Provision for loan and lease losses | $3,150,000 | 1,441 |
| Total noninterest income | $-444,000 | 7,999 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $11,000 | 7,011 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-455,000 | 7,953 |
| Total noninterest expense | $3,075,000 | 4,286 |
| Salaries and employee benefits | $1,082,000 | 5,351 |
| Premises and equipment expense | $224,000 | 5,709 |
| Additional noninterest expense | $1,769,000 | 2,848 |
| Pre-tax net operating income | $-5,846,000 | 7,558 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-5,846,000 | 7,639 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,846,000 | 7,639 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,846,000 | 7,639 |
| Net charge-offs | $439,000 | 3,210 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,846,000 | 7,646 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 5,889 |
| Total interest expense | $1,374,000 | 3,891 |
| Net interest income | $575,000 | 7,382 |
| Provision for loan and lease losses | $1,250,000 | 1,805 |
| Total noninterest income | $-20,000 | 7,997 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $7,000 | 7,083 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-27,000 | 7,870 |
| Total noninterest expense | $1,714,000 | 4,836 |
| Salaries and employee benefits | $728,000 | 5,373 |
| Premises and equipment expense | $151,000 | 5,736 |
| Additional noninterest expense | $835,000 | 3,757 |
| Pre-tax net operating income | $-2,409,000 | 7,479 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,409,000 | 7,557 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,409,000 | 7,556 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,409,000 | 7,556 |
| Net charge-offs | $135,000 | 3,896 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,409,000 | 7,569 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $954,000 | 5,994 |
| Total interest expense | $711,000 | 3,899 |
| Net interest income | $243,000 | 7,624 |
| Provision for loan and lease losses | $1,250,000 | 1,026 |
| Total noninterest income | $-39,000 | 8,126 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $3,000 | 7,123 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-42,000 | 8,070 |
| Total noninterest expense | $857,000 | 4,748 |
| Salaries and employee benefits | $343,000 | 5,598 |
| Premises and equipment expense | $74,000 | 5,827 |
| Additional noninterest expense | $440,000 | 3,325 |
| Pre-tax net operating income | $-1,903,000 | 7,819 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,903,000 | 7,889 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,903,000 | 7,890 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,903,000 | 7,890 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,903,000 | 7,890 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,885,000 | 4,989 |
| Total interest expense | $3,387,000 | 3,920 |
| Net interest income | $2,498,000 | 5,911 |
| Provision for loan and lease losses | $310,000 | 4,571 |
| Total noninterest income | $80,000 | 7,496 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $25,000 | 6,977 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $55,000 | 6,671 |
| Total noninterest expense | $2,898,000 | 5,233 |
| Salaries and employee benefits | $1,271,000 | 5,811 |
| Premises and equipment expense | $292,000 | 5,859 |
| Additional noninterest expense | $1,335,000 | 3,944 |
| Pre-tax net operating income | $-630,000 | 6,827 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-630,000 | 6,787 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-630,000 | 6,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 4,833 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $950,000 | 436 |
| Net operating income | $-630,000 | 6,915 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 4,860 |
| Total interest expense | $2,673,000 | 3,904 |
| Net interest income | $2,075,000 | 5,679 |
| Provision for loan and lease losses | $180,000 | 4,348 |
| Total noninterest income | $80,000 | 7,349 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $21,000 | 6,992 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $59,000 | 6,377 |
| Total noninterest expense | $2,087,000 | 5,340 |
| Salaries and employee benefits | $952,000 | 5,842 |
| Premises and equipment expense | $210,000 | 5,975 |
| Additional noninterest expense | $925,000 | 4,118 |
| Pre-tax net operating income | $-112,000 | 6,923 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-112,000 | 6,805 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-112,000 | 6,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,222 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-112,000 | 6,975 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,260,000 | 4,826 |
| Total interest expense | $1,864,000 | 3,909 |
| Net interest income | $1,396,000 | 5,677 |
| Provision for loan and lease losses | $180,000 | 3,306 |
| Total noninterest income | $43,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $14,000 | 7,021 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $29,000 | 6,828 |
| Total noninterest expense | $1,371,000 | 5,409 |
| Salaries and employee benefits | $633,000 | 5,900 |
| Premises and equipment expense | $139,000 | 6,029 |
| Additional noninterest expense | $599,000 | 4,198 |
| Pre-tax net operating income | $-112,000 | 7,212 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-112,000 | 7,268 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-112,000 | 7,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,397 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-112,000 | 7,242 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,732,000 | 4,751 |
| Total interest expense | $1,002,000 | 3,914 |
| Net interest income | $730,000 | 5,562 |
| Provision for loan and lease losses | $180,000 | 1,928 |
| Total noninterest income | $19,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $5,000 | 7,144 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,895 |
| Total noninterest expense | $661,000 | 5,525 |
| Salaries and employee benefits | $304,000 | 6,044 |
| Premises and equipment expense | $71,000 | 6,004 |
| Additional noninterest expense | $286,000 | 4,266 |
| Pre-tax net operating income | $-92,000 | 7,534 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-92,000 | 7,627 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-92,000 | 7,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,539 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-92,000 | 7,583 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,706,000 | 4,137 |
| Total interest expense | $4,238,000 | 3,872 |
| Net interest income | $4,468,000 | 4,310 |
| Provision for loan and lease losses | $622,000 | 2,004 |
| Total noninterest income | $87,000 | 7,696 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $22,000 | 7,129 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $65,000 | 6,796 |
| Total noninterest expense | $2,475,000 | 5,633 |
| Salaries and employee benefits | $1,131,000 | 6,151 |
| Premises and equipment expense | $267,000 | 6,066 |
| Additional noninterest expense | $1,077,000 | 4,402 |
| Pre-tax net operating income | $1,458,000 | 3,961 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,458,000 | 3,514 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,458,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 1,448 |
| Cash dividends | $1,420,000 | 2,082 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 387 |
| Net operating income | $1,458,000 | 3,501 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,754,000 | 4,050 |
| Total interest expense | $3,220,000 | 3,844 |
| Net interest income | $3,534,000 | 4,191 |
| Provision for loan and lease losses | $70,000 | 4,664 |
| Total noninterest income | $70,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $19,000 | 7,117 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $51,000 | 6,759 |
| Total noninterest expense | $1,809,000 | 5,680 |
| Salaries and employee benefits | $857,000 | 6,106 |
| Premises and equipment expense | $189,000 | 6,213 |
| Additional noninterest expense | $763,000 | 4,534 |
| Pre-tax net operating income | $1,725,000 | 3,174 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,725,000 | 2,680 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,725,000 | 2,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,420,000 | 1,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,725,000 | 2,663 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,546,000 | 4,047 |
| Total interest expense | $2,155,000 | 3,831 |
| Net interest income | $2,391,000 | 4,175 |
| Provision for loan and lease losses | $40,000 | 4,625 |
| Total noninterest income | $39,000 | 7,878 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $13,000 | 7,146 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $26,000 | 7,121 |
| Total noninterest expense | $1,192,000 | 5,749 |
| Salaries and employee benefits | $572,000 | 6,164 |
| Premises and equipment expense | $125,000 | 6,261 |
| Additional noninterest expense | $495,000 | 4,615 |
| Pre-tax net operating income | $1,198,000 | 3,119 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,198,000 | 2,649 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,198,000 | 2,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $960,000 | 1,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,198,000 | 2,629 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,216,000 | 4,111 |
| Total interest expense | $1,065,000 | 3,838 |
| Net interest income | $1,151,000 | 4,285 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $18,000 | 7,949 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $591,000 | 5,799 |
| Salaries and employee benefits | $287,000 | 6,190 |
| Premises and equipment expense | $61,000 | 6,362 |
| Additional noninterest expense | $243,000 | 4,627 |
| Pre-tax net operating income | $578,000 | 3,202 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $578,000 | 2,715 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $578,000 | 2,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $480,000 | 1,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $578,000 | 2,703 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,867,000 | 4,243 |
| Total interest expense | $3,241,000 | 4,116 |
| Net interest income | $4,626,000 | 4,263 |
| Provision for loan and lease losses | $290,000 | 2,855 |
| Total noninterest income | $68,000 | 8,059 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $13,000 | 7,379 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 7,154 |
| Total noninterest expense | $2,036,000 | 6,115 |
| Salaries and employee benefits | $956,000 | 6,519 |
| Premises and equipment expense | $190,000 | 6,830 |
| Additional noninterest expense | $890,000 | 4,896 |
| Pre-tax net operating income | $2,368,000 | 3,259 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,368,000 | 2,736 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,368,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $1,340,000 | 2,100 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 496 |
| Net operating income | $2,368,000 | 2,720 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,631,000 | 4,349 |
| Total interest expense | $2,175,000 | 4,316 |
| Net interest income | $3,456,000 | 4,286 |
| Provision for loan and lease losses | $240,000 | 2,508 |
| Total noninterest income | $49,000 | 8,168 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $7,000 | 7,497 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 7,155 |
| Total noninterest expense | $1,493,000 | 6,166 |
| Salaries and employee benefits | $716,000 | 6,524 |
| Premises and equipment expense | $123,000 | 7,118 |
| Additional noninterest expense | $654,000 | 4,944 |
| Pre-tax net operating income | $1,772,000 | 3,382 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,772,000 | 2,821 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,772,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $940,000 | 2,022 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 372 |
| Net operating income | $1,772,000 | 2,811 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,541,000 | 4,478 |
| Total interest expense | $1,338,000 | 4,400 |
| Net interest income | $2,203,000 | 4,440 |
| Provision for loan and lease losses | $190,000 | 2,197 |
| Total noninterest income | $32,000 | 8,240 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $4,000 | 7,559 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,198 |
| Total noninterest expense | $998,000 | 6,179 |
| Salaries and employee benefits | $470,000 | 6,584 |
| Premises and equipment expense | $77,000 | 7,257 |
| Additional noninterest expense | $451,000 | 4,819 |
| Pre-tax net operating income | $1,047,000 | 3,700 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,047,000 | 3,107 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,047,000 | 3,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 266 |
| Net operating income | $1,047,000 | 3,094 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 4,617 |
| Total interest expense | $619,000 | 4,494 |
| Net interest income | $1,040,000 | 4,595 |
| Provision for loan and lease losses | $135,000 | 1,590 |
| Total noninterest income | $17,000 | 8,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 7,586 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,090 |
| Total noninterest expense | $506,000 | 6,150 |
| Salaries and employee benefits | $230,000 | 6,652 |
| Premises and equipment expense | $44,000 | 7,013 |
| Additional noninterest expense | $232,000 | 4,689 |
| Pre-tax net operating income | $416,000 | 4,186 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $416,000 | 3,589 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $416,000 | 3,588 |
| 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 | $1,000,000 | 140 |
| Net operating income | $416,000 | 3,572 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,009,000 | 5,823 |
| Total interest expense | $1,241,000 | 5,739 |
| Net interest income | $2,768,000 | 5,752 |
| Provision for loan and lease losses | $316,000 | 2,718 |
| Total noninterest income | $45,000 | 8,452 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,000 | 7,647 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $39,000 | 7,645 |
| Total noninterest expense | $1,772,000 | 6,439 |
| Salaries and employee benefits | $700,000 | 7,269 |
| Premises and equipment expense | $161,000 | 7,152 |
| Additional noninterest expense | $911,000 | 4,727 |
| Pre-tax net operating income | $725,000 | 6,086 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $725,000 | 5,595 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $725,000 | 5,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 399 |
| Net operating income | $725,000 | 5,563 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 6,180 |
| Total interest expense | $742,000 | 6,208 |
| Net interest income | $1,877,000 | 6,076 |
| Provision for loan and lease losses | $140,000 | 3,587 |
| Total noninterest income | $30,000 | 8,534 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,789 |
| Total noninterest expense | $1,255,000 | 6,617 |
| Salaries and employee benefits | $490,000 | 7,409 |
| Premises and equipment expense | $105,000 | 7,400 |
| Additional noninterest expense | $660,000 | 4,802 |
| Pre-tax net operating income | $512,000 | 6,350 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $512,000 | 5,848 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $512,000 | 5,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $512,000 | 5,811 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,565,000 | 6,449 |
| Total interest expense | $413,000 | 6,527 |
| Net interest income | $1,152,000 | 6,296 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $18,000 | 8,564 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,000 | 7,707 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $15,000 | 7,896 |
| Total noninterest expense | $875,000 | 6,481 |
| Salaries and employee benefits | $310,000 | 7,537 |
| Premises and equipment expense | $69,000 | 7,428 |
| Additional noninterest expense | $496,000 | 4,402 |
| Pre-tax net operating income | $235,000 | 6,995 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $235,000 | 6,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $235,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $235,000 | 6,588 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $659,000 | 6,882 |
| Total interest expense | $180,000 | 6,789 |
| Net interest income | $479,000 | 6,823 |
| Provision for loan and lease losses | $5,000 | 5,826 |
| Total noninterest income | $17,000 | 8,358 |
| 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 | $16,000 | 7,179 |
| Total noninterest expense | $398,000 | 6,782 |
| Salaries and employee benefits | $155,000 | 7,590 |
| Premises and equipment expense | $34,000 | 7,517 |
| Additional noninterest expense | $209,000 | 4,926 |
| Pre-tax net operating income | $93,000 | 7,321 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $93,000 | 7,014 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $93,000 | 7,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $93,000 | 6,986 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 7,294 |
| Total interest expense | $526,000 | 7,214 |
| Net interest income | $1,561,000 | 7,238 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $59,000 | 8,507 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $5,000 | 7,833 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $54,000 | 7,316 |
| Total noninterest expense | $1,416,000 | 7,036 |
| Salaries and employee benefits | $573,000 | 7,759 |
| Premises and equipment expense | $124,000 | 7,662 |
| Additional noninterest expense | $719,000 | 5,430 |
| Pre-tax net operating income | $104,000 | 8,100 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $104,000 | 8,077 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $104,000 | 8,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,368 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $104,000 | 8,036 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 7,570 |
| Total interest expense | $369,000 | 7,354 |
| Net interest income | $1,018,000 | 7,540 |
| Provision for loan and lease losses | $85,000 | 4,653 |
| Total noninterest income | $49,000 | 8,493 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,000 | 7,866 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $45,000 | 7,213 |
| Total noninterest expense | $1,059,000 | 7,016 |
| Salaries and employee benefits | $426,000 | 7,730 |
| Premises and equipment expense | $91,000 | 7,696 |
| Additional noninterest expense | $542,000 | 5,390 |
| Pre-tax net operating income | $-77,000 | 8,584 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-77,000 | 8,608 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-77,000 | 8,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,770 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-77,000 | 8,580 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $875,000 | 7,718 |
| Total interest expense | $241,000 | 7,453 |
| Net interest income | $634,000 | 7,708 |
| Provision for loan and lease losses | $70,000 | 4,107 |
| Total noninterest income | $38,000 | 8,442 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $3,000 | 7,913 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $35,000 | 7,019 |
| Total noninterest expense | $699,000 | 7,096 |
| Salaries and employee benefits | $285,000 | 7,778 |
| Premises and equipment expense | $61,000 | 7,711 |
| Additional noninterest expense | $353,000 | 5,491 |
| Pre-tax net operating income | $-97,000 | 8,692 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-97,000 | 8,719 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-97,000 | 8,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,012 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-97,000 | 8,693 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $411,000 | 7,856 |
| Total interest expense | $124,000 | 7,456 |
| Net interest income | $287,000 | 7,928 |
| Provision for loan and lease losses | $55,000 | 3,182 |
| Total noninterest income | $15,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $378,000 | 6,913 |
| Salaries and employee benefits | $144,000 | 7,786 |
| Premises and equipment expense | $32,000 | 7,669 |
| Additional noninterest expense | $202,000 | 5,044 |
| Pre-tax net operating income | $-131,000 | 8,836 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-131,000 | 8,887 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-131,000 | 8,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,973 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-131,000 | 8,850 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,831,000 | 7,721 |
| Total interest expense | $626,000 | 7,315 |
| Net interest income | $1,205,000 | 7,808 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $-19,000 | 9,168 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $8,000 | 7,960 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-27,000 | 9,138 |
| Total noninterest expense | $1,253,000 | 7,366 |
| Salaries and employee benefits | $531,000 | 7,967 |
| Premises and equipment expense | $117,000 | 7,844 |
| Additional noninterest expense | $605,000 | 5,966 |
| Pre-tax net operating income | $-67,000 | 8,617 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-67,000 | 8,700 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-67,000 | 8,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,170 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-67,000 | 8,624 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 7,828 |
| Total interest expense | $483,000 | 7,402 |
| Net interest income | $890,000 | 7,897 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $-74,000 | 9,224 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,000 | 8,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-80,000 | 9,227 |
| Total noninterest expense | $1,018,000 | 7,157 |
| Salaries and employee benefits | $390,000 | 7,984 |
| Premises and equipment expense | $95,000 | 7,730 |
| Additional noninterest expense | $533,000 | 5,430 |
| Pre-tax net operating income | $-202,000 | 8,821 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-202,000 | 8,899 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-202,000 | 8,900 |
| 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 | $0 | 722 |
| Net operating income | $-202,000 | 8,833 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $886,000 | 7,942 |
| Total interest expense | $336,000 | 7,419 |
| Net interest income | $550,000 | 8,068 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $83,000 | 7,712 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $4,000 | 8,047 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $79,000 | 5,734 |
| Total noninterest expense | $673,000 | 7,197 |
| Salaries and employee benefits | $253,000 | 8,060 |
| Premises and equipment expense | $63,000 | 7,744 |
| Additional noninterest expense | $357,000 | 5,403 |
| Pre-tax net operating income | $-40,000 | 8,758 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-40,000 | 8,850 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-40,000 | 8,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-40,000 | 8,754 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $431,000 | 8,051 |
| Total interest expense | $166,000 | 7,543 |
| Net interest income | $265,000 | 8,160 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $13,000 | 8,892 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $364,000 | 7,015 |
| Salaries and employee benefits | $129,000 | 8,056 |
| Premises and equipment expense | $33,000 | 7,707 |
| Additional noninterest expense | $202,000 | 4,939 |
| Pre-tax net operating income | $-86,000 | 8,958 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-86,000 | 9,018 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-86,000 | 9,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-86,000 | 8,944 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 7,447 |
| Total interest expense | $1,173,000 | 6,494 |
| Net interest income | $1,225,000 | 7,887 |
| Provision for loan and lease losses | $11,000 | 7,790 |
| Total noninterest income | $9,000 | 9,233 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,000 | 8,157 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 9,043 |
| Total noninterest expense | $1,336,000 | 7,164 |
| Salaries and employee benefits | $517,000 | 8,075 |
| Premises and equipment expense | $116,000 | 7,934 |
| Additional noninterest expense | $703,000 | 5,392 |
| Pre-tax net operating income | $-113,000 | 8,770 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-113,000 | 8,849 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-113,000 | 8,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 1,788 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-113,000 | 8,790 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,260,000 | 6,141 |
| Total interest expense | $2,596,000 | 5,278 |
| Net interest income | $1,664,000 | 7,037 |
| Provision for loan and lease losses | $500,000 | 2,196 |
| Total noninterest income | $12,000 | 9,464 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,000 | 8,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $10,000 | 9,130 |
| Total noninterest expense | $1,026,000 | 7,886 |
| Salaries and employee benefits | $536,000 | 8,000 |
| Premises and equipment expense | $114,000 | 8,091 |
| Additional noninterest expense | $376,000 | 7,320 |
| Pre-tax net operating income | $150,000 | 8,109 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $150,000 | 8,032 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $150,000 | 8,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $160,000 | 5,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $150,000 | 7,915 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 7,071 |
| Total interest expense | $1,608,000 | 6,949 |
| Net interest income | $1,727,000 | 7,058 |
| Provision for loan and lease losses | $225,000 | 3,486 |
| Total noninterest income | $2,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $553,000 | 9,240 |
| Salaries and employee benefits | $241,000 | 9,490 |
| Premises and equipment expense | $63,000 | 9,117 |
| Additional noninterest expense | $249,000 | 8,345 |
| Pre-tax net operating income | $951,000 | 5,394 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $951,000 | 4,528 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $951,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $590,000 | 3,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $951,000 | 4,523 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $320,000 | 10,067 |
| Total interest expense | $78,000 | 10,078 |
| Net interest income | $242,000 | 10,026 |
| Provision for loan and lease losses | $25,000 | 7,415 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $239,000 | 10,121 |
| Salaries and employee benefits | $66,000 | 10,177 |
| Premises and equipment expense | $10,000 | 10,153 |
| Additional noninterest expense | $163,000 | 9,407 |
| Pre-tax net operating income | $-22,000 | 9,456 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-22,000 | 9,472 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-22,000 | 9,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 356 |
| Net operating income | $-22,000 | 9,448 |
* 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.