Home > Integrity Bank > Income and Expense
Integrity Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $23,102,000 | 842 |
| Total interest expense | $27,385,000 | 330 |
| Net interest income | $-4,283,000 | 8,450 |
| Provision for loan and lease losses | $1,470,000 | 965 |
| Total noninterest income | $540,000 | 3,348 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $53,000 | 5,861 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $487,000 | 2,289 |
| Total noninterest expense | $13,710,000 | 714 |
| Salaries and employee benefits | $3,990,000 | 1,299 |
| Premises and equipment expense | $1,209,000 | 1,148 |
| Additional noninterest expense | $8,511,000 | 401 |
| Pre-tax net operating income | $-18,923,000 | 8,390 |
| Securities gains (losses) | $754,000 | 220 |
| Applicable income taxes | $15,394,000 | 112 |
| Income before extraordinary items | $-33,563,000 | 8,405 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-33,563,000 | 8,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,452,000 | 386 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $271,000 | 360 |
| Net operating income | $-34,317,000 | 8,404 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $13,722,000 | 731 |
| Total interest expense | $14,446,000 | 334 |
| Net interest income | $-724,000 | 8,494 |
| Provision for loan and lease losses | $4,947,000 | 220 |
| Total noninterest income | $197,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $25,000 | 5,933 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $172,000 | 2,804 |
| Total noninterest expense | $8,567,000 | 566 |
| Salaries and employee benefits | $2,147,000 | 1,201 |
| Premises and equipment expense | $609,000 | 1,146 |
| Additional noninterest expense | $5,811,000 | 314 |
| Pre-tax net operating income | $-14,041,000 | 8,458 |
| Securities gains (losses) | $649,000 | 198 |
| Applicable income taxes | $-3,812,000 | 8,446 |
| Income before extraordinary items | $-9,580,000 | 8,448 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-9,580,000 | 8,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,361 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $207,000 | 207 |
| Net operating income | $-10,047,280 | 8,449 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $88,787,000 | 492 |
| Total interest expense | $58,399,000 | 364 |
| Net interest income | $30,388,000 | 729 |
| Provision for loan and lease losses | $76,938,000 | 75 |
| Total noninterest income | $1,519,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $86,000 | 6,222 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,433,000 | 1,732 |
| Total noninterest expense | $19,507,000 | 965 |
| Salaries and employee benefits | $9,012,000 | 1,113 |
| Premises and equipment expense | $2,532,000 | 1,050 |
| Additional noninterest expense | $7,963,000 | 720 |
| Pre-tax net operating income | $-64,538,000 | 8,520 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-19,342,000 | 8,517 |
| Income before extraordinary items | $-45,196,000 | 8,514 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-45,196,000 | 8,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,273,000 | 78 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $2,084,000 | 354 |
| Net operating income | $-45,196,000 | 8,510 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $68,524,000 | 482 |
| Total interest expense | $43,037,000 | 378 |
| Net interest income | $25,487,000 | 661 |
| Provision for loan and lease losses | $50,683,000 | 61 |
| Total noninterest income | $1,170,000 | 2,638 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $62,000 | 6,296 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,108,000 | 1,691 |
| Total noninterest expense | $13,911,000 | 999 |
| Salaries and employee benefits | $6,988,000 | 1,072 |
| Premises and equipment expense | $1,825,000 | 1,084 |
| Additional noninterest expense | $5,098,000 | 813 |
| Pre-tax net operating income | $-37,937,000 | 8,560 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-11,057,000 | 8,551 |
| Income before extraordinary items | $-26,880,000 | 8,552 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-26,880,000 | 8,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,889,000 | 66 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $1,735,000 | 283 |
| Net operating income | $-26,880,000 | 8,550 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $45,833,000 | 490 |
| Total interest expense | $27,726,000 | 398 |
| Net interest income | $18,107,000 | 633 |
| Provision for loan and lease losses | $49,488,000 | 50 |
| Total noninterest income | $771,000 | 2,659 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $40,000 | 6,367 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $731,000 | 1,713 |
| Total noninterest expense | $9,713,000 | 971 |
| Salaries and employee benefits | $5,306,000 | 953 |
| Premises and equipment expense | $1,215,000 | 1,104 |
| Additional noninterest expense | $3,192,000 | 882 |
| Pre-tax net operating income | $-40,323,000 | 8,617 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-12,270,000 | 8,611 |
| Income before extraordinary items | $-28,053,000 | 8,609 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-28,053,000 | 8,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,868,000 | 54 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $1,537,000 | 223 |
| Net operating income | $-28,053,000 | 8,607 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $24,215,000 | 463 |
| Total interest expense | $13,247,000 | 404 |
| Net interest income | $10,968,000 | 529 |
| Provision for loan and lease losses | $1,074,000 | 283 |
| Total noninterest income | $363,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $343,000 | 1,775 |
| Total noninterest expense | $4,925,000 | 951 |
| Salaries and employee benefits | $2,839,000 | 899 |
| Premises and equipment expense | $637,000 | 1,038 |
| Additional noninterest expense | $1,449,000 | 935 |
| Pre-tax net operating income | $5,332,000 | 502 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,956,000 | 453 |
| Income before extraordinary items | $3,376,000 | 561 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,376,000 | 561 |
| 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 | $1,479,000 | 120 |
| Net operating income | $3,376,000 | 546 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $79,573,000 | 525 |
| Total interest expense | $39,002,000 | 461 |
| Net interest income | $40,571,000 | 571 |
| Provision for loan and lease losses | $4,323,000 | 277 |
| Total noninterest income | $1,245,000 | 3,046 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $85,000 | 6,362 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,160,000 | 2,014 |
| Total noninterest expense | $18,443,000 | 973 |
| Salaries and employee benefits | $10,479,000 | 920 |
| Premises and equipment expense | $2,445,000 | 1,024 |
| Additional noninterest expense | $5,519,000 | 961 |
| Pre-tax net operating income | $19,050,000 | 562 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $7,040,000 | 494 |
| Income before extraordinary items | $12,010,000 | 631 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $12,010,000 | 630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,353 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $1,314,000 | 460 |
| Net operating income | $12,010,000 | 623 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $56,840,000 | 549 |
| Total interest expense | $26,760,000 | 494 |
| Net interest income | $30,080,000 | 588 |
| Provision for loan and lease losses | $2,490,000 | 324 |
| Total noninterest income | $806,000 | 3,384 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $65,000 | 6,410 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $741,000 | 2,253 |
| Total noninterest expense | $12,992,000 | 1,048 |
| Salaries and employee benefits | $7,590,000 | 963 |
| Premises and equipment expense | $1,786,000 | 1,068 |
| Additional noninterest expense | $3,616,000 | 1,115 |
| Pre-tax net operating income | $15,404,000 | 550 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $5,723,000 | 487 |
| Income before extraordinary items | $9,681,000 | 616 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,681,000 | 615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,348 |
| Cash dividends | $800,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $777,000 | 402 |
| Net operating income | $9,681,000 | 606 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $35,813,000 | 567 |
| Total interest expense | $16,333,000 | 506 |
| Net interest income | $19,480,000 | 604 |
| Provision for loan and lease losses | $2,139,000 | 257 |
| Total noninterest income | $341,000 | 4,416 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $45,000 | 6,387 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $296,000 | 3,052 |
| Total noninterest expense | $8,187,000 | 1,108 |
| Salaries and employee benefits | $4,591,000 | 1,067 |
| Premises and equipment expense | $1,152,000 | 1,106 |
| Additional noninterest expense | $2,444,000 | 1,108 |
| Pre-tax net operating income | $9,495,000 | 588 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,634,000 | 506 |
| Income before extraordinary items | $5,861,000 | 680 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,861,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $800,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $241,000 | 414 |
| Net operating income | $5,861,000 | 667 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $16,568,000 | 587 |
| Total interest expense | $7,349,000 | 518 |
| Net interest income | $9,219,000 | 624 |
| Provision for loan and lease losses | $1,291,000 | 218 |
| Total noninterest income | $130,000 | 5,013 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,377 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,577 |
| Total noninterest expense | $3,769,000 | 1,213 |
| Salaries and employee benefits | $2,066,000 | 1,205 |
| Premises and equipment expense | $500,000 | 1,301 |
| Additional noninterest expense | $1,203,000 | 1,113 |
| Pre-tax net operating income | $4,289,000 | 625 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,612,000 | 557 |
| Income before extraordinary items | $2,677,000 | 721 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,677,000 | 720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $800,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,677,000 | 705 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $44,145,000 | 725 |
| Total interest expense | $18,283,000 | 628 |
| Net interest income | $25,862,000 | 828 |
| Provision for loan and lease losses | $3,566,000 | 311 |
| Total noninterest income | $762,000 | 4,160 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $66,000 | 6,819 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $696,000 | 2,783 |
| Total noninterest expense | $11,096,000 | 1,542 |
| Salaries and employee benefits | $6,055,000 | 1,549 |
| Premises and equipment expense | $1,722,000 | 1,420 |
| Additional noninterest expense | $3,319,000 | 1,535 |
| Pre-tax net operating income | $11,962,000 | 820 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,450,000 | 707 |
| Income before extraordinary items | $7,512,000 | 960 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,512,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,387,000 | 531 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,512,000 | 943 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,642,000 | 789 |
| Total interest expense | $11,962,000 | 685 |
| Net interest income | $17,680,000 | 902 |
| Provision for loan and lease losses | $2,001,000 | 382 |
| Total noninterest income | $576,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 6,913 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $529,000 | 2,771 |
| Total noninterest expense | $7,833,000 | 1,615 |
| Salaries and employee benefits | $4,320,000 | 1,610 |
| Premises and equipment expense | $1,278,000 | 1,425 |
| Additional noninterest expense | $2,235,000 | 1,677 |
| Pre-tax net operating income | $8,422,000 | 878 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,114,000 | 755 |
| Income before extraordinary items | $5,308,000 | 1,014 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,308,000 | 1,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,982 |
| Cash dividends | $250,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,308,000 | 1,000 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,276,000 | 837 |
| Total interest expense | $7,140,000 | 704 |
| Net interest income | $11,136,000 | 940 |
| Provision for loan and lease losses | $1,235,000 | 403 |
| Total noninterest income | $279,000 | 4,971 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $40,000 | 6,599 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $239,000 | 3,442 |
| Total noninterest expense | $4,843,000 | 1,722 |
| Salaries and employee benefits | $2,758,000 | 1,664 |
| Premises and equipment expense | $727,000 | 1,648 |
| Additional noninterest expense | $1,358,000 | 1,824 |
| Pre-tax net operating income | $5,337,000 | 894 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,980,000 | 771 |
| Income before extraordinary items | $3,357,000 | 1,045 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,357,000 | 1,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,451 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,357,000 | 1,019 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,285,000 | 918 |
| Total interest expense | $3,119,000 | 771 |
| Net interest income | $5,166,000 | 1,001 |
| Provision for loan and lease losses | $572,000 | 419 |
| Total noninterest income | $137,000 | 4,943 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $119,000 | 3,420 |
| Total noninterest expense | $2,229,000 | 1,868 |
| Salaries and employee benefits | $1,279,000 | 1,805 |
| Premises and equipment expense | $350,000 | 1,711 |
| Additional noninterest expense | $600,000 | 2,047 |
| Pre-tax net operating income | $2,502,000 | 937 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $930,000 | 809 |
| Income before extraordinary items | $1,572,000 | 1,098 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,572,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 805 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,572,000 | 1,071 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,447,000 | 1,255 |
| Total interest expense | $7,283,000 | 1,113 |
| Net interest income | $15,164,000 | 1,337 |
| Provision for loan and lease losses | $2,627,000 | 432 |
| Total noninterest income | $453,000 | 5,515 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $79,000 | 6,781 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $374,000 | 3,840 |
| Total noninterest expense | $7,107,000 | 2,240 |
| Salaries and employee benefits | $3,979,000 | 2,185 |
| Premises and equipment expense | $938,000 | 2,431 |
| Additional noninterest expense | $2,190,000 | 2,220 |
| Pre-tax net operating income | $5,883,000 | 1,465 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,189,000 | 1,173 |
| Income before extraordinary items | $3,694,000 | 1,731 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,694,000 | 1,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,766,000 | 367 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,694,000 | 1,687 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,599,000 | 1,348 |
| Total interest expense | $4,799,000 | 1,259 |
| Net interest income | $10,800,000 | 1,383 |
| Provision for loan and lease losses | $1,176,000 | 659 |
| Total noninterest income | $301,000 | 5,802 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $61,000 | 6,789 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $240,000 | 4,135 |
| Total noninterest expense | $5,013,000 | 2,378 |
| Salaries and employee benefits | $2,806,000 | 2,312 |
| Premises and equipment expense | $584,000 | 2,854 |
| Additional noninterest expense | $1,623,000 | 2,227 |
| Pre-tax net operating income | $4,912,000 | 1,328 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,818,000 | 1,103 |
| Income before extraordinary items | $3,094,000 | 1,568 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,094,000 | 1,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 893 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,094,000 | 1,520 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,606,000 | 1,479 |
| Total interest expense | $2,901,000 | 1,370 |
| Net interest income | $6,705,000 | 1,491 |
| Provision for loan and lease losses | $713,000 | 715 |
| Total noninterest income | $71,000 | 7,766 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $40,000 | 6,850 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $31,000 | 7,181 |
| Total noninterest expense | $2,981,000 | 2,625 |
| Salaries and employee benefits | $1,685,000 | 2,554 |
| Premises and equipment expense | $311,000 | 3,442 |
| Additional noninterest expense | $985,000 | 2,418 |
| Pre-tax net operating income | $3,082,000 | 1,383 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,140,000 | 1,152 |
| Income before extraordinary items | $1,942,000 | 1,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,942,000 | 1,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $550,000 | 646 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,942,000 | 1,587 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,555,000 | 1,547 |
| Total interest expense | $1,404,000 | 1,424 |
| Net interest income | $3,151,000 | 1,584 |
| Provision for loan and lease losses | $141,000 | 1,609 |
| Total noninterest income | $62,000 | 6,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $18,000 | 6,945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $44,000 | 5,375 |
| Total noninterest expense | $1,434,000 | 2,748 |
| Salaries and employee benefits | $813,000 | 2,644 |
| Premises and equipment expense | $178,000 | 3,109 |
| Additional noninterest expense | $443,000 | 2,643 |
| Pre-tax net operating income | $1,638,000 | 1,293 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $640,000 | 1,063 |
| Income before extraordinary items | $998,000 | 1,602 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $998,000 | 1,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $998,000 | 1,513 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,189,000 | 2,000 |
| Total interest expense | $4,931,000 | 1,816 |
| Net interest income | $9,258,000 | 2,110 |
| Provision for loan and lease losses | $2,488,000 | 561 |
| Total noninterest income | $192,000 | 7,423 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $83,000 | 6,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $109,000 | 6,381 |
| Total noninterest expense | $4,500,000 | 3,347 |
| Salaries and employee benefits | $2,432,000 | 3,336 |
| Premises and equipment expense | $584,000 | 3,603 |
| Additional noninterest expense | $1,484,000 | 3,113 |
| Pre-tax net operating income | $2,462,000 | 2,925 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $580,000 | 3,130 |
| Income before extraordinary items | $1,883,000 | 3,004 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,883,000 | 3,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,882,240 | 2,883 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,840,000 | 2,209 |
| Total interest expense | $3,556,000 | 1,962 |
| Net interest income | $6,284,000 | 2,322 |
| Provision for loan and lease losses | $902,000 | 968 |
| Total noninterest income | $135,000 | 7,572 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $64,000 | 6,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 6,675 |
| Total noninterest expense | $3,054,000 | 3,650 |
| Salaries and employee benefits | $1,714,000 | 3,502 |
| Premises and equipment expense | $382,000 | 3,994 |
| Additional noninterest expense | $958,000 | 3,522 |
| Pre-tax net operating income | $2,463,000 | 2,416 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $564,000 | 2,792 |
| Income before extraordinary items | $1,900,000 | 2,440 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,900,000 | 2,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,899,230 | 2,323 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,108,000 | 2,400 |
| Total interest expense | $2,233,000 | 2,145 |
| Net interest income | $3,875,000 | 2,509 |
| Provision for loan and lease losses | $683,000 | 896 |
| Total noninterest income | $45,000 | 8,476 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $43,000 | 6,840 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $1,757,000 | 4,078 |
| Salaries and employee benefits | $1,036,000 | 3,801 |
| Premises and equipment expense | $190,000 | 4,871 |
| Additional noninterest expense | $531,000 | 4,046 |
| Pre-tax net operating income | $1,480,000 | 2,627 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $204,000 | 3,932 |
| Income before extraordinary items | $1,277,000 | 2,435 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,277,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,276,140 | 2,302 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,822,000 | 2,607 |
| Total interest expense | $1,037,000 | 2,359 |
| Net interest income | $1,785,000 | 2,710 |
| Provision for loan and lease losses | $334,000 | 845 |
| Total noninterest income | $29,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $809,000 | 4,334 |
| Salaries and employee benefits | $480,000 | 4,028 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $244,000 | 4,298 |
| Pre-tax net operating income | $671,000 | 2,826 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $672,000 | 2,280 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $672,000 | 2,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $671,000 | 2,161 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,810,000 | 4,140 |
| Total interest expense | $2,891,000 | 3,627 |
| Net interest income | $3,919,000 | 4,414 |
| Provision for loan and lease losses | $712,000 | 1,801 |
| Total noninterest income | $86,000 | 8,573 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $45,000 | 7,605 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,847 |
| Total noninterest expense | $2,469,000 | 5,124 |
| Salaries and employee benefits | $1,444,000 | 4,834 |
| Premises and equipment expense | $322,000 | 5,336 |
| Additional noninterest expense | $703,000 | 5,392 |
| Pre-tax net operating income | $824,000 | 5,691 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $829,000 | 5,099 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $829,000 | 5,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $824,000 | 4,983 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,102,000 | 7,156 |
| Total interest expense | $1,715,000 | 6,576 |
| Net interest income | $1,387,000 | 7,534 |
| Provision for loan and lease losses | $336,000 | 2,983 |
| Total noninterest income | $37,000 | 9,296 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $20,000 | 8,125 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $17,000 | 8,847 |
| Total noninterest expense | $1,935,000 | 5,860 |
| Salaries and employee benefits | $1,194,000 | 5,343 |
| Premises and equipment expense | $237,000 | 6,249 |
| Additional noninterest expense | $504,000 | 6,407 |
| Pre-tax net operating income | $-847,000 | 9,303 |
| Securities gains (losses) | $19,000 | 3,188 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-828,000 | 9,364 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-828,000 | 9,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-847,000 | 9,340 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $259,000 | 9,802 |
| Total interest expense | $78,000 | 9,764 |
| Net interest income | $181,000 | 9,786 |
| Provision for loan and lease losses | $56,000 | 6,380 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $1,020,000 | 7,965 |
| Salaries and employee benefits | $628,000 | 7,552 |
| Premises and equipment expense | $98,000 | 8,483 |
| Additional noninterest expense | $294,000 | 7,992 |
| Pre-tax net operating income | $-895,000 | 9,692 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-895,000 | 9,705 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-895,000 | 9,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 63 |
| Net operating income | $-895,000 | 9,705 |
* 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.