Home > Insignia Bank > Income and Expense
Insignia Bank, Income and Expense
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $9,259,000 | 2,569 |
| Total interest expense | $1,183,000 | 2,158 |
| Net interest income | $8,076,000 | 2,607 |
| Provision for loan and lease losses | $87,000 | 3,262 |
| Total noninterest income | $1,704,000 | 2,314 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $109,000 | 4,413 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $1,595,000 | 1,808 |
| Total noninterest expense | $7,217,000 | 2,499 |
| Salaries and employee benefits | $4,350,000 | 2,349 |
| Premises and equipment expense | $582,000 | 3,083 |
| Additional noninterest expense | $2,285,000 | 2,488 |
| Pre-tax net operating income | $2,476,000 | 2,695 |
| Securities gains (losses) | $30,000 | 2,159 |
| Applicable income taxes | $930,000 | 1,721 |
| Income before extraordinary items | $1,576,000 | 3,195 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,576,000 | 3,194 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,576,000 | 3,194 |
| Net charge-offs | $-65,000 | 5,423 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $1,266,000 | 180 |
| Net operating income | $1,556,800 | 3,173 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $6,847,000 | 2,596 |
| Total interest expense | $887,000 | 2,163 |
| Net interest income | $5,960,000 | 2,642 |
| Provision for loan and lease losses | $87,000 | 2,926 |
| Total noninterest income | $1,212,000 | 2,392 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $81,000 | 4,450 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $1,131,000 | 1,890 |
| Total noninterest expense | $5,481,000 | 2,467 |
| Salaries and employee benefits | $3,309,000 | 2,303 |
| Premises and equipment expense | $437,000 | 3,080 |
| Additional noninterest expense | $1,735,000 | 2,468 |
| Pre-tax net operating income | $1,604,000 | 3,002 |
| Securities gains (losses) | $30,000 | 2,103 |
| Applicable income taxes | $605,000 | 1,886 |
| Income before extraordinary items | $1,029,000 | 3,446 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,029,000 | 3,443 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,029,000 | 3,446 |
| Net charge-offs | $-29,000 | 5,201 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 633 |
| Net operating income | $1,009,800 | 3,423 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 2,654 |
| Total interest expense | $584,000 | 2,180 |
| Net interest income | $3,873,000 | 2,697 |
| Provision for loan and lease losses | $44,000 | 3,055 |
| Total noninterest income | $695,000 | 2,561 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $51,000 | 4,534 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $644,000 | 2,056 |
| Total noninterest expense | $3,555,000 | 2,528 |
| Salaries and employee benefits | $2,180,000 | 2,340 |
| Premises and equipment expense | $284,000 | 3,149 |
| Additional noninterest expense | $1,091,000 | 2,607 |
| Pre-tax net operating income | $969,000 | 3,131 |
| Securities gains (losses) | $33,000 | 1,698 |
| Applicable income taxes | $370,000 | 1,944 |
| Income before extraordinary items | $632,000 | 3,588 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $632,000 | 3,584 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $632,000 | 3,586 |
| Net charge-offs | $-19,000 | 5,189 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 627 |
| Net operating income | $610,880 | 3,583 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 2,732 |
| Total interest expense | $272,000 | 2,301 |
| Net interest income | $1,872,000 | 2,759 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $182,000 | 3,513 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $24,000 | 4,602 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $158,000 | 2,921 |
| Total noninterest expense | $1,677,000 | 2,646 |
| Salaries and employee benefits | $1,040,000 | 2,444 |
| Premises and equipment expense | $143,000 | 3,167 |
| Additional noninterest expense | $494,000 | 2,795 |
| Pre-tax net operating income | $377,000 | 3,507 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $139,000 | 2,171 |
| Income before extraordinary items | $238,000 | 3,997 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $238,000 | 3,994 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $238,000 | 3,995 |
| Net charge-offs | $-9,000 | 5,132 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 596 |
| Net operating income | $238,000 | 3,938 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $7,566,000 | 2,947 |
| Total interest expense | $963,000 | 2,479 |
| Net interest income | $6,603,000 | 2,992 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $1,818,000 | 2,238 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $106,000 | 4,634 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,712,000 | 1,702 |
| Total noninterest expense | $6,830,000 | 2,598 |
| Salaries and employee benefits | $4,168,000 | 2,404 |
| Premises and equipment expense | $627,000 | 3,020 |
| Additional noninterest expense | $2,035,000 | 2,764 |
| Pre-tax net operating income | $1,591,000 | 3,415 |
| Securities gains (losses) | $11,000 | 2,544 |
| Applicable income taxes | $590,000 | 2,079 |
| Income before extraordinary items | $1,012,000 | 3,916 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,012,000 | 3,916 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,012,000 | 3,917 |
| Net charge-offs | $-116,000 | 5,753 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 680 |
| Net operating income | $1,004,960 | 3,876 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $5,499,000 | 3,035 |
| Total interest expense | $718,000 | 2,521 |
| Net interest income | $4,781,000 | 3,084 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $1,445,000 | 2,178 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $80,000 | 4,673 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,365,000 | 1,656 |
| Total noninterest expense | $5,079,000 | 2,629 |
| Salaries and employee benefits | $3,109,000 | 2,415 |
| Premises and equipment expense | $460,000 | 3,105 |
| Additional noninterest expense | $1,510,000 | 2,771 |
| Pre-tax net operating income | $1,147,000 | 3,534 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $422,000 | 2,150 |
| Income before extraordinary items | $725,000 | 4,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $725,000 | 4,057 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $725,000 | 4,060 |
| Net charge-offs | $-104,000 | 5,820 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 651 |
| Net operating income | $725,000 | 3,992 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $3,598,000 | 3,077 |
| Total interest expense | $474,000 | 2,554 |
| Net interest income | $3,124,000 | 3,126 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $879,000 | 2,297 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $55,000 | 4,634 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $824,000 | 1,778 |
| Total noninterest expense | $3,293,000 | 2,706 |
| Salaries and employee benefits | $2,044,000 | 2,468 |
| Premises and equipment expense | $298,000 | 3,183 |
| Additional noninterest expense | $951,000 | 2,913 |
| Pre-tax net operating income | $710,000 | 3,631 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $261,000 | 2,230 |
| Income before extraordinary items | $449,000 | 4,141 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $449,000 | 4,143 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $449,000 | 4,144 |
| Net charge-offs | $-21,000 | 5,481 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 631 |
| Net operating income | $449,000 | 4,083 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,771,000 | 3,126 |
| Total interest expense | $231,000 | 2,629 |
| Net interest income | $1,540,000 | 3,158 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $426,000 | 2,316 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $28,000 | 4,610 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $398,000 | 1,779 |
| Total noninterest expense | $1,599,000 | 2,777 |
| Salaries and employee benefits | $986,000 | 2,556 |
| Premises and equipment expense | $141,000 | 3,330 |
| Additional noninterest expense | $472,000 | 2,908 |
| Pre-tax net operating income | $367,000 | 3,527 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $135,000 | 2,199 |
| Income before extraordinary items | $232,000 | 4,063 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $232,000 | 4,067 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $232,000 | 4,067 |
| Net charge-offs | $-1,000 | 4,352 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 566 |
| Net operating income | $232,000 | 3,996 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $6,959,000 | 3,194 |
| Total interest expense | $841,000 | 2,925 |
| Net interest income | $6,118,000 | 3,201 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $1,088,000 | 2,989 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $94,000 | 5,087 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $994,000 | 2,334 |
| Total noninterest expense | $5,954,000 | 2,934 |
| Salaries and employee benefits | $3,541,000 | 2,736 |
| Premises and equipment expense | $541,000 | 3,464 |
| Additional noninterest expense | $1,872,000 | 3,037 |
| Pre-tax net operating income | $1,252,000 | 3,776 |
| Securities gains (losses) | $1,000 | 3,149 |
| Applicable income taxes | $463,000 | 2,270 |
| Income before extraordinary items | $790,000 | 4,318 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $790,000 | 4,317 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $790,000 | 4,318 |
| Net charge-offs | $-63,000 | 6,046 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 698 |
| Net operating income | $789,360 | 4,275 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $4,946,000 | 3,353 |
| Total interest expense | $616,000 | 3,030 |
| Net interest income | $4,330,000 | 3,367 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $751,000 | 3,143 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $67,000 | 5,216 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $684,000 | 2,474 |
| Total noninterest expense | $4,291,000 | 3,028 |
| Salaries and employee benefits | $2,528,000 | 2,846 |
| Premises and equipment expense | $396,000 | 3,553 |
| Additional noninterest expense | $1,367,000 | 3,094 |
| Pre-tax net operating income | $790,000 | 4,134 |
| Securities gains (losses) | $1,000 | 2,871 |
| Applicable income taxes | $290,000 | 2,500 |
| Income before extraordinary items | $501,000 | 4,604 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $501,000 | 4,604 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $501,000 | 4,605 |
| Net charge-offs | $-61,000 | 6,095 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 672 |
| Net operating income | $500,360 | 4,556 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $3,238,000 | 3,394 |
| Total interest expense | $401,000 | 3,122 |
| Net interest income | $2,837,000 | 3,401 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $427,000 | 3,392 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $42,000 | 5,287 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $385,000 | 2,685 |
| Total noninterest expense | $2,796,000 | 3,090 |
| Salaries and employee benefits | $1,657,000 | 2,896 |
| Premises and equipment expense | $267,000 | 3,560 |
| Additional noninterest expense | $872,000 | 3,197 |
| Pre-tax net operating income | $468,000 | 4,283 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $171,000 | 2,559 |
| Income before extraordinary items | $297,000 | 4,762 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $297,000 | 4,764 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $297,000 | 4,765 |
| Net charge-offs | $-59,000 | 6,192 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 682 |
| Net operating income | $297,000 | 4,701 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 3,409 |
| Total interest expense | $199,000 | 3,193 |
| Net interest income | $1,422,000 | 3,398 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $254,000 | 3,045 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $22,000 | 5,246 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $232,000 | 2,347 |
| Total noninterest expense | $1,413,000 | 3,097 |
| Salaries and employee benefits | $857,000 | 2,841 |
| Premises and equipment expense | $136,000 | 3,559 |
| Additional noninterest expense | $420,000 | 3,298 |
| Pre-tax net operating income | $263,000 | 4,028 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $95,000 | 2,405 |
| Income before extraordinary items | $168,000 | 4,516 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $168,000 | 4,519 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $168,000 | 4,519 |
| Net charge-offs | $-58,000 | 6,362 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 714 |
| Net operating income | $168,000 | 4,469 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,250,000 | 3,522 |
| Total interest expense | $745,000 | 3,611 |
| Net interest income | $5,505,000 | 3,468 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $1,039,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $104,000 | 5,197 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $935,000 | 2,465 |
| Total noninterest expense | $5,113,000 | 3,354 |
| Salaries and employee benefits | $2,967,000 | 3,137 |
| Premises and equipment expense | $574,000 | 3,406 |
| Additional noninterest expense | $1,572,000 | 3,531 |
| Pre-tax net operating income | $1,431,000 | 3,496 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $519,000 | 2,114 |
| Income before extraordinary items | $912,000 | 4,056 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $912,000 | 4,059 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $912,000 | 4,059 |
| Net charge-offs | $381,000 | 2,309 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 857 |
| Net operating income | $912,000 | 4,011 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,658,000 | 3,569 |
| Total interest expense | $542,000 | 3,763 |
| Net interest income | $4,116,000 | 3,497 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $743,000 | 3,261 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $78,000 | 5,256 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $665,000 | 2,583 |
| Total noninterest expense | $3,712,000 | 3,443 |
| Salaries and employee benefits | $2,117,000 | 3,262 |
| Premises and equipment expense | $436,000 | 3,420 |
| Additional noninterest expense | $1,159,000 | 3,582 |
| Pre-tax net operating income | $1,147,000 | 3,441 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $417,000 | 2,096 |
| Income before extraordinary items | $730,000 | 3,991 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $730,000 | 3,993 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $730,000 | 3,994 |
| Net charge-offs | $91,000 | 3,346 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 800 |
| Net operating income | $730,000 | 3,923 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,074,000 | 3,595 |
| Total interest expense | $348,000 | 3,908 |
| Net interest income | $2,726,000 | 3,514 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $525,000 | 3,205 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $50,000 | 5,300 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $475,000 | 2,546 |
| Total noninterest expense | $2,431,000 | 3,507 |
| Salaries and employee benefits | $1,379,000 | 3,330 |
| Premises and equipment expense | $282,000 | 3,509 |
| Additional noninterest expense | $770,000 | 3,594 |
| Pre-tax net operating income | $820,000 | 3,290 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $299,000 | 2,026 |
| Income before extraordinary items | $521,000 | 3,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $521,000 | 3,859 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $521,000 | 3,860 |
| Net charge-offs | $22,000 | 3,949 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 781 |
| Net operating income | $521,000 | 3,764 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 3,657 |
| Total interest expense | $173,000 | 4,012 |
| Net interest income | $1,345,000 | 3,559 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $252,000 | 3,260 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $27,000 | 5,148 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $225,000 | 2,608 |
| Total noninterest expense | $1,198,000 | 3,562 |
| Salaries and employee benefits | $677,000 | 3,408 |
| Premises and equipment expense | $140,000 | 3,543 |
| Additional noninterest expense | $381,000 | 3,628 |
| Pre-tax net operating income | $399,000 | 3,300 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $145,000 | 2,017 |
| Income before extraordinary items | $254,000 | 3,863 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $254,000 | 3,862 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $254,000 | 3,865 |
| Net charge-offs | $-3,000 | 5,668 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 708 |
| Net operating income | $254,000 | 3,759 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,135,000 | 3,769 |
| Total interest expense | $851,000 | 3,983 |
| Net interest income | $5,284,000 | 3,676 |
| Provision for loan and lease losses | $235,000 | 3,732 |
| Total noninterest income | $1,900,000 | 2,266 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $97,000 | 5,488 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,803,000 | 1,646 |
| Total noninterest expense | $5,116,000 | 3,410 |
| Salaries and employee benefits | $2,950,000 | 3,163 |
| Premises and equipment expense | $592,000 | 3,415 |
| Additional noninterest expense | $1,574,000 | 3,676 |
| Pre-tax net operating income | $1,833,000 | 2,985 |
| Securities gains (losses) | $21,000 | 3,160 |
| Applicable income taxes | $676,000 | 1,872 |
| Income before extraordinary items | $1,178,000 | 3,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,178,000 | 3,592 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,178,000 | 3,593 |
| Net charge-offs | $-414,000 | 7,037 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 862 |
| Net operating income | $1,164,560 | 3,461 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,492,000 | 3,913 |
| Total interest expense | $671,000 | 3,993 |
| Net interest income | $3,821,000 | 3,828 |
| Provision for loan and lease losses | $235,000 | 3,289 |
| Total noninterest income | $909,000 | 2,967 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $68,000 | 5,652 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $841,000 | 2,229 |
| Total noninterest expense | $3,801,000 | 3,463 |
| Salaries and employee benefits | $2,204,000 | 3,196 |
| Premises and equipment expense | $444,000 | 3,468 |
| Additional noninterest expense | $1,153,000 | 3,753 |
| Pre-tax net operating income | $694,000 | 4,230 |
| Securities gains (losses) | $21,000 | 2,854 |
| Applicable income taxes | $252,000 | 2,631 |
| Income before extraordinary items | $463,000 | 4,742 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $463,000 | 4,743 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $463,000 | 4,743 |
| Net charge-offs | $52,000 | 4,481 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 827 |
| Net operating income | $449,350 | 4,622 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,972,000 | 3,959 |
| Total interest expense | $483,000 | 3,913 |
| Net interest income | $2,489,000 | 3,900 |
| Provision for loan and lease losses | $28,000 | 4,983 |
| Total noninterest income | $570,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $39,000 | 5,854 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $531,000 | 2,254 |
| Total noninterest expense | $2,512,000 | 3,486 |
| Salaries and employee benefits | $1,449,000 | 3,240 |
| Premises and equipment expense | $292,000 | 3,502 |
| Additional noninterest expense | $771,000 | 3,761 |
| Pre-tax net operating income | $519,000 | 4,060 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $185,000 | 2,513 |
| Income before extraordinary items | $334,000 | 4,656 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $334,000 | 4,659 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $334,000 | 4,659 |
| Net charge-offs | $-48,000 | 6,975 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 789 |
| Net operating income | $334,000 | 4,466 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,484,000 | 3,993 |
| Total interest expense | $262,000 | 3,829 |
| Net interest income | $1,222,000 | 3,969 |
| Provision for loan and lease losses | $22,000 | 4,438 |
| Total noninterest income | $259,000 | 3,190 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $16,000 | 6,090 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $243,000 | 2,381 |
| Total noninterest expense | $1,232,000 | 3,564 |
| Salaries and employee benefits | $718,000 | 3,279 |
| Premises and equipment expense | $142,000 | 3,600 |
| Additional noninterest expense | $372,000 | 3,816 |
| Pre-tax net operating income | $227,000 | 4,323 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $81,000 | 2,631 |
| Income before extraordinary items | $146,000 | 4,888 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $146,000 | 4,890 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $146,000 | 4,891 |
| Net charge-offs | $-21,000 | 6,886 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 737 |
| Net operating income | $146,000 | 4,743 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,489,000 | 3,863 |
| Total interest expense | $1,443,000 | 3,545 |
| Net interest income | $5,046,000 | 3,888 |
| Provision for loan and lease losses | $10,000 | 6,349 |
| Total noninterest income | $899,000 | 3,304 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $69,000 | 6,005 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $830,000 | 2,388 |
| Total noninterest expense | $4,953,000 | 3,562 |
| Salaries and employee benefits | $2,266,000 | 3,835 |
| Premises and equipment expense | $961,000 | 2,486 |
| Additional noninterest expense | $1,726,000 | 3,529 |
| Pre-tax net operating income | $982,000 | 3,763 |
| Securities gains (losses) | $101,000 | 2,064 |
| Applicable income taxes | $386,000 | 2,274 |
| Income before extraordinary items | $697,000 | 4,169 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $697,000 | 4,172 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $697,000 | 4,172 |
| Net charge-offs | $258,000 | 3,977 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 892 |
| Net operating income | $632,360 | 4,187 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,978,000 | 3,844 |
| Total interest expense | $1,159,000 | 3,497 |
| Net interest income | $3,819,000 | 3,872 |
| Provision for loan and lease losses | $10,000 | 6,179 |
| Total noninterest income | $515,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $50,000 | 6,073 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $465,000 | 2,811 |
| Total noninterest expense | $3,695,000 | 3,587 |
| Salaries and employee benefits | $1,654,000 | 3,902 |
| Premises and equipment expense | $729,000 | 2,481 |
| Additional noninterest expense | $1,312,000 | 3,473 |
| Pre-tax net operating income | $629,000 | 4,146 |
| Securities gains (losses) | $101,000 | 1,782 |
| Applicable income taxes | $258,000 | 2,423 |
| Income before extraordinary items | $472,000 | 4,411 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $472,000 | 4,412 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $472,000 | 4,412 |
| Net charge-offs | $261,000 | 3,400 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 840 |
| Net operating income | $406,350 | 4,515 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,373,000 | 3,847 |
| Total interest expense | $830,000 | 3,417 |
| Net interest income | $2,543,000 | 3,896 |
| Provision for loan and lease losses | $10,000 | 5,964 |
| Total noninterest income | $353,000 | 3,809 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $34,000 | 6,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $319,000 | 2,774 |
| Total noninterest expense | $2,496,000 | 3,578 |
| Salaries and employee benefits | $1,111,000 | 3,925 |
| Premises and equipment expense | $489,000 | 2,498 |
| Additional noninterest expense | $896,000 | 3,465 |
| Pre-tax net operating income | $390,000 | 4,245 |
| Securities gains (losses) | $9,000 | 2,392 |
| Applicable income taxes | $139,000 | 2,584 |
| Income before extraordinary items | $260,000 | 4,653 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $260,000 | 4,651 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $260,000 | 4,653 |
| Net charge-offs | $255,000 | 2,863 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 788 |
| Net operating income | $254,150 | 4,600 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,661,000 | 3,908 |
| Total interest expense | $433,000 | 3,409 |
| Net interest income | $1,228,000 | 3,992 |
| Provision for loan and lease losses | $10,000 | 5,371 |
| Total noninterest income | $157,000 | 4,079 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $16,000 | 6,075 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $141,000 | 3,013 |
| Total noninterest expense | $1,222,000 | 3,648 |
| Salaries and employee benefits | $551,000 | 3,962 |
| Premises and equipment expense | $245,000 | 2,534 |
| Additional noninterest expense | $426,000 | 3,577 |
| Pre-tax net operating income | $153,000 | 4,616 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $53,000 | 2,772 |
| Income before extraordinary items | $100,000 | 5,009 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $100,000 | 5,007 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $100,000 | 5,009 |
| Net charge-offs | $264,000 | 1,864 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 742 |
| Net operating income | $100,000 | 4,944 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,594,000 | 4,061 |
| Total interest expense | $1,792,000 | 3,840 |
| Net interest income | $4,802,000 | 4,072 |
| Provision for loan and lease losses | $919,000 | 3,187 |
| Total noninterest income | $390,000 | 4,995 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 6,229 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $340,000 | 3,768 |
| Total noninterest expense | $5,206,000 | 3,493 |
| Salaries and employee benefits | $2,254,000 | 3,890 |
| Premises and equipment expense | $1,220,000 | 2,071 |
| Additional noninterest expense | $1,732,000 | 3,625 |
| Pre-tax net operating income | $-933,000 | 6,448 |
| Securities gains (losses) | $129,000 | 1,941 |
| Applicable income taxes | $-313,000 | 7,067 |
| Income before extraordinary items | $-491,000 | 6,364 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-491,000 | 6,365 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-491,000 | 6,365 |
| Net charge-offs | $887,000 | 2,854 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 943 |
| Net operating income | $-573,560 | 6,367 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,948,000 | 4,136 |
| Total interest expense | $1,360,000 | 3,961 |
| Net interest income | $3,588,000 | 4,130 |
| Provision for loan and lease losses | $707,000 | 3,020 |
| Total noninterest income | $299,000 | 5,053 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $38,000 | 6,304 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $261,000 | 3,772 |
| Total noninterest expense | $3,837,000 | 3,543 |
| Salaries and employee benefits | $1,704,000 | 3,902 |
| Premises and equipment expense | $966,000 | 1,996 |
| Additional noninterest expense | $1,167,000 | 3,875 |
| Pre-tax net operating income | $-657,000 | 6,628 |
| Securities gains (losses) | $113,000 | 1,838 |
| Applicable income taxes | $-213,000 | 7,206 |
| Income before extraordinary items | $-331,000 | 6,556 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-331,000 | 6,556 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-331,000 | 6,556 |
| Net charge-offs | $787,000 | 2,485 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 884 |
| Net operating income | $-403,320 | 6,535 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,275,000 | 4,202 |
| Total interest expense | $935,000 | 3,981 |
| Net interest income | $2,340,000 | 4,206 |
| Provision for loan and lease losses | $583,000 | 2,634 |
| Total noninterest income | $201,000 | 5,026 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $24,000 | 6,378 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $177,000 | 3,708 |
| Total noninterest expense | $2,528,000 | 3,591 |
| Salaries and employee benefits | $1,112,000 | 3,985 |
| Premises and equipment expense | $643,000 | 2,020 |
| Additional noninterest expense | $773,000 | 3,881 |
| Pre-tax net operating income | $-570,000 | 6,792 |
| Securities gains (losses) | $16,000 | 2,445 |
| Applicable income taxes | $-214,000 | 7,339 |
| Income before extraordinary items | $-340,000 | 6,734 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-340,000 | 6,736 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-340,000 | 6,735 |
| Net charge-offs | $473,000 | 2,520 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 826 |
| Net operating income | $-350,240 | 6,695 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 4,253 |
| Total interest expense | $482,000 | 4,033 |
| Net interest income | $1,160,000 | 4,252 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $104,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $13,000 | 6,352 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $91,000 | 3,692 |
| Total noninterest expense | $1,225,000 | 3,709 |
| Salaries and employee benefits | $562,000 | 4,007 |
| Premises and equipment expense | $320,000 | 2,088 |
| Additional noninterest expense | $343,000 | 4,217 |
| Pre-tax net operating income | $39,000 | 5,790 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $13,000 | 3,663 |
| Income before extraordinary items | $26,000 | 6,049 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $26,000 | 6,049 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $26,000 | 6,049 |
| Net charge-offs | $-2,000 | 7,007 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 755 |
| Net operating income | $26,000 | 5,930 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,016,000 | 4,612 |
| Total interest expense | $2,309,000 | 4,090 |
| Net interest income | $3,707,000 | 4,797 |
| Provision for loan and lease losses | $2,584,000 | 2,138 |
| Total noninterest income | $-41,000 | 7,746 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $45,000 | 6,552 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-86,000 | 7,579 |
| Total noninterest expense | $5,153,000 | 3,592 |
| Salaries and employee benefits | $2,416,000 | 3,789 |
| Premises and equipment expense | $1,363,000 | 1,972 |
| Additional noninterest expense | $1,374,000 | 4,326 |
| Pre-tax net operating income | $-4,071,000 | 7,071 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-1,529,000 | 7,433 |
| Income before extraordinary items | $-2,542,000 | 6,901 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,542,000 | 6,900 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,542,000 | 6,901 |
| Net charge-offs | $2,378,000 | 1,847 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 848 |
| Net operating income | $-2,542,000 | 6,905 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,360,000 | 4,768 |
| Total interest expense | $1,816,000 | 4,103 |
| Net interest income | $2,544,000 | 5,056 |
| Provision for loan and lease losses | $1,922,000 | 1,960 |
| Total noninterest income | $-156,000 | 7,942 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $32,000 | 6,633 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-188,000 | 7,867 |
| Total noninterest expense | $3,843,000 | 3,605 |
| Salaries and employee benefits | $1,831,000 | 3,791 |
| Premises and equipment expense | $795,000 | 2,490 |
| Additional noninterest expense | $1,217,000 | 3,838 |
| Pre-tax net operating income | $-3,377,000 | 7,349 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,269,000 | 7,620 |
| Income before extraordinary items | $-2,108,000 | 7,203 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,108,000 | 7,203 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,108,000 | 7,202 |
| Net charge-offs | $1,419,000 | 1,825 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 785 |
| Net operating income | $-2,108,000 | 7,191 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 4,974 |
| Total interest expense | $1,261,000 | 4,117 |
| Net interest income | $1,488,000 | 5,429 |
| Provision for loan and lease losses | $1,382,000 | 1,722 |
| Total noninterest income | $27,000 | 7,566 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $22,000 | 6,645 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $5,000 | 7,481 |
| Total noninterest expense | $2,645,000 | 3,555 |
| Salaries and employee benefits | $1,277,000 | 3,709 |
| Premises and equipment expense | $687,000 | 2,001 |
| Additional noninterest expense | $681,000 | 4,340 |
| Pre-tax net operating income | $-2,512,000 | 7,498 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-944,000 | 7,740 |
| Income before extraordinary items | $-1,568,000 | 7,351 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,568,000 | 7,350 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,568,000 | 7,349 |
| Net charge-offs | $390,000 | 2,639 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 742 |
| Net operating income | $-1,568,000 | 7,350 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,305,000 | 5,165 |
| Total interest expense | $677,000 | 4,044 |
| Net interest income | $628,000 | 5,883 |
| Provision for loan and lease losses | $551,000 | 1,690 |
| Total noninterest income | $28,000 | 7,100 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $9,000 | 6,767 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $19,000 | 6,215 |
| Total noninterest expense | $1,284,000 | 3,570 |
| Salaries and employee benefits | $646,000 | 3,705 |
| Premises and equipment expense | $343,000 | 2,038 |
| Additional noninterest expense | $295,000 | 4,466 |
| Pre-tax net operating income | $-1,179,000 | 7,686 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-443,000 | 7,872 |
| Income before extraordinary items | $-736,000 | 7,599 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-736,000 | 7,600 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-736,000 | 7,600 |
| Net charge-offs | $390,000 | 1,569 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 624 |
| Net operating income | $-736,000 | 7,587 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,305,000 | 5,847 |
| Total interest expense | $2,037,000 | 5,259 |
| Net interest income | $2,268,000 | 6,126 |
| Provision for loan and lease losses | $1,739,000 | 1,979 |
| Total noninterest income | $184,000 | 6,606 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $34,000 | 6,852 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $150,000 | 5,315 |
| Total noninterest expense | $4,863,000 | 3,644 |
| Salaries and employee benefits | $2,572,000 | 3,704 |
| Premises and equipment expense | $1,025,000 | 2,566 |
| Additional noninterest expense | $1,266,000 | 4,112 |
| Pre-tax net operating income | $-4,150,000 | 7,730 |
| Securities gains (losses) | $15,000 | 2,329 |
| Applicable income taxes | $-1,533,000 | 7,850 |
| Income before extraordinary items | $-2,602,000 | 7,533 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,602,000 | 7,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $971,000 | 1,992 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,611,600 | 7,614 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,949,000 | 6,115 |
| Total interest expense | $1,256,000 | 5,850 |
| Net interest income | $1,693,000 | 6,192 |
| Provision for loan and lease losses | $717,000 | 2,229 |
| Total noninterest income | $192,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $23,000 | 6,951 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $169,000 | 4,759 |
| Total noninterest expense | $3,658,000 | 3,632 |
| Salaries and employee benefits | $2,049,000 | 3,539 |
| Premises and equipment expense | $719,000 | 2,734 |
| Additional noninterest expense | $890,000 | 4,245 |
| Pre-tax net operating income | $-2,490,000 | 7,944 |
| Securities gains (losses) | $15,000 | 2,175 |
| Applicable income taxes | $-915,000 | 8,024 |
| Income before extraordinary items | $-1,560,000 | 7,725 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,560,000 | 7,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $500,000 | 1,956 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,569,600 | 7,820 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 6,428 |
| Total interest expense | $685,000 | 6,401 |
| Net interest income | $1,084,000 | 6,295 |
| Provision for loan and lease losses | $493,000 | 1,939 |
| Total noninterest income | $140,000 | 6,102 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $129,000 | 4,569 |
| Total noninterest expense | $2,405,000 | 3,699 |
| Salaries and employee benefits | $1,344,000 | 3,623 |
| Premises and equipment expense | $473,000 | 2,772 |
| Additional noninterest expense | $588,000 | 4,261 |
| Pre-tax net operating income | $-1,674,000 | 8,116 |
| Securities gains (losses) | $15,000 | 2,228 |
| Applicable income taxes | $-614,000 | 8,207 |
| Income before extraordinary items | $-1,045,000 | 8,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,045,000 | 8,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $500,000 | 1,314 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,054,600 | 8,002 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $891,000 | 6,490 |
| Total interest expense | $327,000 | 6,662 |
| Net interest income | $564,000 | 6,238 |
| Provision for loan and lease losses | $42,000 | 4,068 |
| Total noninterest income | $71,000 | 6,088 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $6,000 | 7,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $65,000 | 4,545 |
| Total noninterest expense | $1,257,000 | 3,570 |
| Salaries and employee benefits | $736,000 | 3,411 |
| Premises and equipment expense | $234,000 | 2,813 |
| Additional noninterest expense | $287,000 | 4,253 |
| Pre-tax net operating income | $-664,000 | 8,175 |
| Securities gains (losses) | $15,000 | 1,758 |
| Applicable income taxes | $-240,000 | 8,287 |
| Income before extraordinary items | $-409,000 | 8,085 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-409,000 | 8,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,207 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-418,600 | 8,071 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,173,000 | 6,740 |
| Total interest expense | $1,039,000 | 7,105 |
| Net interest income | $2,134,000 | 6,361 |
| Provision for loan and lease losses | $751,000 | 1,743 |
| Total noninterest income | $182,000 | 6,871 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $18,000 | 7,177 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $164,000 | 5,426 |
| Total noninterest expense | $3,903,000 | 4,198 |
| Salaries and employee benefits | $2,053,000 | 4,309 |
| Premises and equipment expense | $748,000 | 3,261 |
| Additional noninterest expense | $1,102,000 | 4,332 |
| Pre-tax net operating income | $-2,338,000 | 8,316 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-828,000 | 8,380 |
| Income before extraordinary items | $-1,510,000 | 8,241 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,510,000 | 8,238 |
| 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 | $432,000 | 563 |
| Net operating income | $-1,510,000 | 8,231 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,288,000 | 6,844 |
| Total interest expense | $706,000 | 7,290 |
| Net interest income | $1,582,000 | 6,415 |
| Provision for loan and lease losses | $214,000 | 2,899 |
| Total noninterest income | $125,000 | 7,030 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $11,000 | 7,266 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $114,000 | 5,578 |
| Total noninterest expense | $2,882,000 | 4,208 |
| Salaries and employee benefits | $1,590,000 | 4,197 |
| Premises and equipment expense | $513,000 | 3,487 |
| Additional noninterest expense | $779,000 | 4,455 |
| Pre-tax net operating income | $-1,389,000 | 8,372 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-480,000 | 8,440 |
| Income before extraordinary items | $-909,000 | 8,311 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-909,000 | 8,309 |
| 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 | $317,000 | 495 |
| Net operating income | $-909,000 | 8,300 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,474,000 | 6,955 |
| Total interest expense | $444,000 | 7,397 |
| Net interest income | $1,030,000 | 6,513 |
| Provision for loan and lease losses | $145,000 | 2,710 |
| Total noninterest income | $99,000 | 6,855 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,000 | 7,446 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $96,000 | 5,200 |
| Total noninterest expense | $1,842,000 | 4,373 |
| Salaries and employee benefits | $1,074,000 | 4,189 |
| Premises and equipment expense | $281,000 | 4,037 |
| Additional noninterest expense | $487,000 | 4,661 |
| Pre-tax net operating income | $-858,000 | 8,423 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-296,000 | 8,502 |
| Income before extraordinary items | $-562,000 | 8,362 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-562,000 | 8,361 |
| 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 | $211,000 | 438 |
| Net operating income | $-562,000 | 8,354 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 7,128 |
| Total interest expense | $195,000 | 7,630 |
| Net interest income | $489,000 | 6,661 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $61,000 | 6,498 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,000 | 7,501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $60,000 | 4,749 |
| Total noninterest expense | $952,000 | 4,286 |
| Salaries and employee benefits | $560,000 | 4,073 |
| Premises and equipment expense | $97,000 | 5,145 |
| Additional noninterest expense | $295,000 | 4,028 |
| Pre-tax net operating income | $-452,000 | 8,499 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-153,000 | 8,545 |
| Income before extraordinary items | $-299,000 | 8,436 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-299,000 | 8,434 |
| 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 | $106,000 | 337 |
| Net operating income | $-299,000 | 8,425 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $620,000 | 8,493 |
| Total interest expense | $47,000 | 8,577 |
| Net interest income | $573,000 | 8,353 |
| Provision for loan and lease losses | $230,000 | 3,272 |
| Total noninterest income | $1,000 | 8,586 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,495 |
| Total noninterest expense | $1,342,000 | 7,151 |
| Salaries and employee benefits | $711,000 | 7,237 |
| Premises and equipment expense | $204,000 | 6,696 |
| Additional noninterest expense | $427,000 | 6,937 |
| Pre-tax net operating income | $-998,000 | 8,420 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-374,000 | 8,541 |
| Income before extraordinary items | $-624,000 | 8,342 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-624,000 | 8,343 |
| 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 | $25,001,000 | 51 |
| Net operating income | $-624,000 | 8,338 |
* 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.