Home > IronStone Bank > Income and Expense
IronStone Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $134,982,000 | 234 |
| Total interest expense | $40,587,000 | 189 |
| Net interest income | $94,395,000 | 253 |
| Provision for loan and lease losses | $18,535,000 | 396 |
| Total noninterest income | $14,389,000 | 486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $14,389,000 | 350 |
| Total noninterest expense | $89,289,000 | 238 |
| Salaries and employee benefits | $40,789,000 | 235 |
| Premises and equipment expense | $28,592,000 | 109 |
| Additional noninterest expense | $19,908,000 | 404 |
| Pre-tax net operating income | $960,000 | 3,446 |
| Securities gains (losses) | $1,523,000 | 339 |
| Applicable income taxes | $-25,000 | 6,644 |
| Income before extraordinary items | $2,508,000 | 1,642 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,508,000 | 1,642 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,508,000 | 1,644 |
| Net charge-offs | $17,086,000 | 381 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $985,000 | 3,124 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $100,697,000 | 236 |
| Total interest expense | $31,241,000 | 188 |
| Net interest income | $69,456,000 | 257 |
| Provision for loan and lease losses | $14,286,000 | 378 |
| Total noninterest income | $10,752,000 | 490 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $10,752,000 | 346 |
| Total noninterest expense | $67,249,000 | 235 |
| Salaries and employee benefits | $30,689,000 | 233 |
| Premises and equipment expense | $21,795,000 | 105 |
| Additional noninterest expense | $14,765,000 | 391 |
| Pre-tax net operating income | $-1,327,000 | 6,890 |
| Securities gains (losses) | $1,382,000 | 313 |
| Applicable income taxes | $156,000 | 2,764 |
| Income before extraordinary items | $-101,000 | 6,305 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-101,000 | 6,305 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-101,000 | 6,305 |
| Net charge-offs | $13,287,000 | 368 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-985,480 | 6,852 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $66,472,000 | 241 |
| Total interest expense | $21,295,000 | 192 |
| Net interest income | $45,177,000 | 260 |
| Provision for loan and lease losses | $8,746,000 | 397 |
| Total noninterest income | $6,965,000 | 487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $6,965,000 | 339 |
| Total noninterest expense | $45,020,000 | 237 |
| Salaries and employee benefits | $20,638,000 | 228 |
| Premises and equipment expense | $14,639,000 | 106 |
| Additional noninterest expense | $9,743,000 | 389 |
| Pre-tax net operating income | $-1,624,000 | 7,192 |
| Securities gains (losses) | $225,000 | 878 |
| Applicable income taxes | $-435,000 | 7,460 |
| Income before extraordinary items | $-964,000 | 7,081 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-964,000 | 7,080 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-964,000 | 7,081 |
| Net charge-offs | $8,546,000 | 380 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,119,250 | 7,106 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $32,643,000 | 254 |
| Total interest expense | $10,881,000 | 206 |
| Net interest income | $21,762,000 | 276 |
| Provision for loan and lease losses | $3,858,000 | 466 |
| Total noninterest income | $3,276,000 | 494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,276,000 | 345 |
| Total noninterest expense | $22,397,000 | 242 |
| Salaries and employee benefits | $10,430,000 | 227 |
| Premises and equipment expense | $7,440,000 | 104 |
| Additional noninterest expense | $4,527,000 | 411 |
| Pre-tax net operating income | $-1,217,000 | 7,474 |
| Securities gains (losses) | $57,000 | 1,082 |
| Applicable income taxes | $-393,000 | 7,676 |
| Income before extraordinary items | $-767,000 | 7,396 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-767,000 | 7,396 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-767,000 | 7,397 |
| Net charge-offs | $4,359,000 | 379 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-804,620 | 7,399 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $131,254,000 | 268 |
| Total interest expense | $52,118,000 | 215 |
| Net interest income | $79,136,000 | 285 |
| Provision for loan and lease losses | $33,989,000 | 331 |
| Total noninterest income | $13,011,000 | 531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $13,011,000 | 378 |
| Total noninterest expense | $91,330,000 | 258 |
| Salaries and employee benefits | $39,708,000 | 239 |
| Premises and equipment expense | $29,426,000 | 102 |
| Additional noninterest expense | $22,196,000 | 404 |
| Pre-tax net operating income | $-33,172,000 | 7,812 |
| Securities gains (losses) | $241,000 | 1,408 |
| Applicable income taxes | $-11,663,000 | 7,881 |
| Income before extraordinary items | $-21,268,000 | 7,752 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-21,268,000 | 7,751 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-21,268,000 | 7,751 |
| Net charge-offs | $29,648,000 | 295 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-21,424,650 | 7,756 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $98,076,000 | 284 |
| Total interest expense | $40,905,000 | 227 |
| Net interest income | $57,171,000 | 306 |
| Provision for loan and lease losses | $26,686,000 | 327 |
| Total noninterest income | $9,730,000 | 543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $9,730,000 | 379 |
| Total noninterest expense | $68,007,000 | 257 |
| Salaries and employee benefits | $29,945,000 | 245 |
| Premises and equipment expense | $21,794,000 | 107 |
| Additional noninterest expense | $16,268,000 | 407 |
| Pre-tax net operating income | $-27,792,000 | 7,918 |
| Securities gains (losses) | $311,000 | 972 |
| Applicable income taxes | $-9,827,000 | 7,974 |
| Income before extraordinary items | $-17,654,000 | 7,878 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-17,654,000 | 7,878 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-17,654,000 | 7,878 |
| Net charge-offs | $24,596,000 | 255 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-17,853,040 | 7,880 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $65,125,000 | 294 |
| Total interest expense | $28,620,000 | 231 |
| Net interest income | $36,505,000 | 319 |
| Provision for loan and lease losses | $19,141,000 | 306 |
| Total noninterest income | $6,364,000 | 554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,364,000 | 390 |
| Total noninterest expense | $45,307,000 | 262 |
| Salaries and employee benefits | $20,167,000 | 246 |
| Premises and equipment expense | $14,317,000 | 112 |
| Additional noninterest expense | $10,823,000 | 406 |
| Pre-tax net operating income | $-21,579,000 | 8,028 |
| Securities gains (losses) | $172,000 | 1,106 |
| Applicable income taxes | $-7,655,000 | 8,074 |
| Income before extraordinary items | $-13,752,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-13,752,000 | 7,995 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-13,752,000 | 7,996 |
| Net charge-offs | $18,051,000 | 247 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-13,862,080 | 7,994 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $32,664,000 | 296 |
| Total interest expense | $15,136,000 | 229 |
| Net interest income | $17,528,000 | 326 |
| Provision for loan and lease losses | $9,077,000 | 277 |
| Total noninterest income | $3,089,000 | 532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,089,000 | 358 |
| Total noninterest expense | $22,125,000 | 259 |
| Salaries and employee benefits | $10,017,000 | 246 |
| Premises and equipment expense | $7,113,000 | 118 |
| Additional noninterest expense | $4,995,000 | 387 |
| Pre-tax net operating income | $-10,585,000 | 8,112 |
| Securities gains (losses) | $130,000 | 870 |
| Applicable income taxes | $-3,768,000 | 8,139 |
| Income before extraordinary items | $-6,687,000 | 8,089 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,687,000 | 8,088 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-6,687,000 | 8,089 |
| Net charge-offs | $6,077,000 | 278 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-6,770,200 | 8,090 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $141,063,000 | 295 |
| Total interest expense | $73,559,000 | 234 |
| Net interest income | $67,504,000 | 339 |
| Provision for loan and lease losses | $36,208,000 | 241 |
| Total noninterest income | $12,552,000 | 500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $12,552,000 | 329 |
| Total noninterest expense | $87,632,000 | 265 |
| Salaries and employee benefits | $41,782,000 | 234 |
| Premises and equipment expense | $29,528,000 | 107 |
| Additional noninterest expense | $16,322,000 | 448 |
| Pre-tax net operating income | $-43,784,000 | 8,188 |
| Securities gains (losses) | $-357,000 | 7,456 |
| Applicable income taxes | $-15,234,000 | 8,208 |
| Income before extraordinary items | $-28,907,000 | 8,138 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-28,907,000 | 8,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,107,000 | 228 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-28,674,950 | 8,155 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $106,210,000 | 312 |
| Total interest expense | $56,408,000 | 243 |
| Net interest income | $49,802,000 | 356 |
| Provision for loan and lease losses | $23,823,000 | 219 |
| Total noninterest income | $9,459,000 | 524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,459,000 | 357 |
| Total noninterest expense | $64,596,000 | 264 |
| Salaries and employee benefits | $31,803,000 | 241 |
| Premises and equipment expense | $22,030,000 | 112 |
| Additional noninterest expense | $10,763,000 | 466 |
| Pre-tax net operating income | $-29,158,000 | 8,308 |
| Securities gains (losses) | $-520,000 | 7,789 |
| Applicable income taxes | $-10,133,000 | 8,311 |
| Income before extraordinary items | $-19,545,000 | 8,274 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-19,545,000 | 8,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,473,000 | 234 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-19,201,800 | 8,286 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $70,570,000 | 318 |
| Total interest expense | $38,707,000 | 247 |
| Net interest income | $31,863,000 | 377 |
| Provision for loan and lease losses | $11,477,000 | 242 |
| Total noninterest income | $6,373,000 | 537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $6,373,000 | 365 |
| Total noninterest expense | $42,108,000 | 267 |
| Salaries and employee benefits | $20,720,000 | 245 |
| Premises and equipment expense | $14,716,000 | 113 |
| Additional noninterest expense | $6,672,000 | 479 |
| Pre-tax net operating income | $-15,349,000 | 8,380 |
| Securities gains (losses) | $-184,000 | 8,296 |
| Applicable income taxes | $-4,988,000 | 8,380 |
| Income before extraordinary items | $-10,545,000 | 8,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-10,545,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,127,000 | 235 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-10,419,880 | 8,362 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $35,899,000 | 319 |
| Total interest expense | $20,001,000 | 263 |
| Net interest income | $15,898,000 | 375 |
| Provision for loan and lease losses | $5,716,000 | 198 |
| Total noninterest income | $3,138,000 | 551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,138,000 | 380 |
| Total noninterest expense | $20,658,000 | 263 |
| Salaries and employee benefits | $10,154,000 | 249 |
| Premises and equipment expense | $7,442,000 | 114 |
| Additional noninterest expense | $3,062,000 | 498 |
| Pre-tax net operating income | $-7,338,000 | 8,442 |
| Securities gains (losses) | $-5,000 | 8,275 |
| Applicable income taxes | $-2,763,000 | 8,437 |
| Income before extraordinary items | $-4,580,000 | 8,427 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,580,000 | 8,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,796,000 | 318 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-4,576,800 | 8,426 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $141,073,000 | 334 |
| Total interest expense | $77,258,000 | 289 |
| Net interest income | $63,815,000 | 383 |
| Provision for loan and lease losses | $3,783,000 | 522 |
| Total noninterest income | $13,582,000 | 500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $13,582,000 | 340 |
| Total noninterest expense | $85,389,000 | 247 |
| Salaries and employee benefits | $38,905,000 | 255 |
| Premises and equipment expense | $29,066,000 | 111 |
| Additional noninterest expense | $17,418,000 | 390 |
| Pre-tax net operating income | $-11,775,000 | 8,486 |
| Securities gains (losses) | $131,000 | 539 |
| Applicable income taxes | $-3,934,000 | 8,488 |
| Income before extraordinary items | $-7,710,000 | 8,473 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,710,000 | 8,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,579,000 | 516 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-7,796,460 | 8,468 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $104,626,000 | 338 |
| Total interest expense | $57,037,000 | 293 |
| Net interest income | $47,589,000 | 383 |
| Provision for loan and lease losses | $2,337,000 | 455 |
| Total noninterest income | $10,081,000 | 506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $10,081,000 | 342 |
| Total noninterest expense | $63,111,000 | 243 |
| Salaries and employee benefits | $29,241,000 | 256 |
| Premises and equipment expense | $21,248,000 | 114 |
| Additional noninterest expense | $12,622,000 | 384 |
| Pre-tax net operating income | $-7,778,000 | 8,540 |
| Securities gains (losses) | $117,000 | 460 |
| Applicable income taxes | $-2,412,000 | 8,529 |
| Income before extraordinary items | $-5,249,000 | 8,533 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-5,249,000 | 8,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,491,000 | 492 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-5,329,730 | 8,525 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $68,272,000 | 352 |
| Total interest expense | $36,704,000 | 306 |
| Net interest income | $31,568,000 | 396 |
| Provision for loan and lease losses | $1,155,000 | 528 |
| Total noninterest income | $6,706,000 | 523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $6,706,000 | 360 |
| Total noninterest expense | $38,763,000 | 270 |
| Salaries and employee benefits | $19,157,000 | 271 |
| Premises and equipment expense | $13,993,000 | 127 |
| Additional noninterest expense | $5,613,000 | 523 |
| Pre-tax net operating income | $-1,644,000 | 8,537 |
| Securities gains (losses) | $59,000 | 509 |
| Applicable income taxes | $-297,000 | 8,503 |
| Income before extraordinary items | $-1,288,000 | 8,527 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,288,000 | 8,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,184,000 | 398 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,335,790 | 8,519 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $33,808,000 | 353 |
| Total interest expense | $17,935,000 | 310 |
| Net interest income | $15,873,000 | 392 |
| Provision for loan and lease losses | $318,000 | 759 |
| Total noninterest income | $3,132,000 | 529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,132,000 | 370 |
| Total noninterest expense | $19,105,000 | 271 |
| Salaries and employee benefits | $9,560,000 | 276 |
| Premises and equipment expense | $6,894,000 | 126 |
| Additional noninterest expense | $2,651,000 | 542 |
| Pre-tax net operating income | $-418,000 | 8,482 |
| Securities gains (losses) | $69,000 | 366 |
| Applicable income taxes | $-83,000 | 8,489 |
| Income before extraordinary items | $-266,000 | 8,400 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-266,000 | 8,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 781 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-318,440 | 8,441 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $124,893,000 | 348 |
| Total interest expense | $58,594,000 | 316 |
| Net interest income | $66,299,000 | 360 |
| Provision for loan and lease losses | $3,547,000 | 330 |
| Total noninterest income | $11,214,000 | 561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,214,000 | 384 |
| Total noninterest expense | $71,499,000 | 274 |
| Salaries and employee benefits | $36,140,000 | 278 |
| Premises and equipment expense | $24,778,000 | 127 |
| Additional noninterest expense | $10,581,000 | 535 |
| Pre-tax net operating income | $2,467,000 | 3,155 |
| Securities gains (losses) | $168,000 | 423 |
| Applicable income taxes | $456,000 | 3,271 |
| Income before extraordinary items | $2,179,000 | 2,920 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,179,000 | 2,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,202,000 | 356 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,039,560 | 3,048 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $91,556,000 | 360 |
| Total interest expense | $41,557,000 | 334 |
| Net interest income | $49,999,000 | 375 |
| Provision for loan and lease losses | $2,366,000 | 342 |
| Total noninterest income | $8,246,000 | 580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,246,000 | 401 |
| Total noninterest expense | $54,424,000 | 284 |
| Salaries and employee benefits | $27,467,000 | 283 |
| Premises and equipment expense | $18,413,000 | 131 |
| Additional noninterest expense | $8,544,000 | 509 |
| Pre-tax net operating income | $1,455,000 | 3,851 |
| Securities gains (losses) | $18,000 | 773 |
| Applicable income taxes | $820,000 | 2,164 |
| Income before extraordinary items | $653,000 | 5,155 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $653,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $741,000 | 588 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $641,480 | 5,201 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $59,137,000 | 367 |
| Total interest expense | $26,038,000 | 342 |
| Net interest income | $33,099,000 | 381 |
| Provision for loan and lease losses | $2,133,000 | 258 |
| Total noninterest income | $5,398,000 | 592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,398,000 | 413 |
| Total noninterest expense | $35,853,000 | 290 |
| Salaries and employee benefits | $18,076,000 | 288 |
| Premises and equipment expense | $12,170,000 | 137 |
| Additional noninterest expense | $5,607,000 | 515 |
| Pre-tax net operating income | $511,000 | 5,356 |
| Securities gains (losses) | $-106,000 | 8,553 |
| Applicable income taxes | $327,000 | 2,920 |
| Income before extraordinary items | $78,000 | 7,702 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $78,000 | 7,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $608,000 | 493 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $145,840 | 7,209 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $28,595,000 | 369 |
| Total interest expense | $12,347,000 | 344 |
| Net interest income | $16,248,000 | 383 |
| Provision for loan and lease losses | $966,000 | 274 |
| Total noninterest income | $2,610,000 | 600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,610,000 | 420 |
| Total noninterest expense | $17,992,000 | 286 |
| Salaries and employee benefits | $9,135,000 | 286 |
| Premises and equipment expense | $5,962,000 | 140 |
| Additional noninterest expense | $2,895,000 | 502 |
| Pre-tax net operating income | $-100,000 | 8,443 |
| Securities gains (losses) | $-66,000 | 8,606 |
| Applicable income taxes | $-19,000 | 8,571 |
| Income before extraordinary items | $-147,000 | 8,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-147,000 | 8,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 772 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-88,260 | 8,428 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $97,839,000 | 376 |
| Total interest expense | $36,623,000 | 354 |
| Net interest income | $61,216,000 | 394 |
| Provision for loan and lease losses | $8,028,000 | 172 |
| Total noninterest income | $7,524,000 | 774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,524,000 | 513 |
| Total noninterest expense | $65,148,000 | 307 |
| Salaries and employee benefits | $34,223,000 | 283 |
| Premises and equipment expense | $21,667,000 | 150 |
| Additional noninterest expense | $9,258,000 | 600 |
| Pre-tax net operating income | $-4,436,000 | 8,818 |
| Securities gains (losses) | $166,000 | 557 |
| Applicable income taxes | $-1,391,000 | 8,809 |
| Income before extraordinary items | $-2,879,000 | 8,797 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-2,879,000 | 8,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,654,000 | 262 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-2,990,220 | 8,791 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $70,354,000 | 377 |
| Total interest expense | $25,529,000 | 356 |
| Net interest income | $44,825,000 | 399 |
| Provision for loan and lease losses | $6,636,000 | 153 |
| Total noninterest income | $5,320,000 | 822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,320,000 | 542 |
| Total noninterest expense | $48,403,000 | 310 |
| Salaries and employee benefits | $25,696,000 | 282 |
| Premises and equipment expense | $15,771,000 | 154 |
| Additional noninterest expense | $6,936,000 | 595 |
| Pre-tax net operating income | $-4,894,000 | 8,846 |
| Securities gains (losses) | $134,000 | 580 |
| Applicable income taxes | $-1,496,000 | 8,845 |
| Income before extraordinary items | $-3,264,000 | 8,843 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-3,264,000 | 8,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,511,000 | 218 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-3,356,460 | 8,831 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $44,902,000 | 382 |
| Total interest expense | $15,980,000 | 347 |
| Net interest income | $28,922,000 | 404 |
| Provision for loan and lease losses | $3,462,000 | 173 |
| Total noninterest income | $3,187,000 | 874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,187,000 | 572 |
| Total noninterest expense | $31,495,000 | 316 |
| Salaries and employee benefits | $16,717,000 | 283 |
| Premises and equipment expense | $10,273,000 | 155 |
| Additional noninterest expense | $4,505,000 | 603 |
| Pre-tax net operating income | $-2,848,000 | 8,854 |
| Securities gains (losses) | $112,000 | 534 |
| Applicable income taxes | $-886,000 | 8,851 |
| Income before extraordinary items | $-1,850,000 | 8,845 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,850,000 | 8,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 396 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-1,926,160 | 8,829 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $21,379,000 | 387 |
| Total interest expense | $7,380,000 | 351 |
| Net interest income | $13,999,000 | 406 |
| Provision for loan and lease losses | $1,622,000 | 180 |
| Total noninterest income | $1,317,000 | 1,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,317,000 | 648 |
| Total noninterest expense | $15,501,000 | 312 |
| Salaries and employee benefits | $8,396,000 | 284 |
| Premises and equipment expense | $4,945,000 | 160 |
| Additional noninterest expense | $2,160,000 | 623 |
| Pre-tax net operating income | $-1,807,000 | 8,920 |
| Securities gains (losses) | $54,000 | 528 |
| Applicable income taxes | $-576,000 | 8,915 |
| Income before extraordinary items | $-1,177,000 | 8,908 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-1,177,000 | 8,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 553 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-1,213,180 | 8,901 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $67,987,000 | 434 |
| Total interest expense | $21,120,000 | 406 |
| Net interest income | $46,867,000 | 445 |
| Provision for loan and lease losses | $4,954,000 | 251 |
| Total noninterest income | $7,768,000 | 739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,768,000 | 490 |
| Total noninterest expense | $54,388,000 | 340 |
| Salaries and employee benefits | $27,811,000 | 330 |
| Premises and equipment expense | $19,919,000 | 155 |
| Additional noninterest expense | $6,658,000 | 767 |
| Pre-tax net operating income | $-4,707,000 | 8,956 |
| Securities gains (losses) | $319,000 | 606 |
| Applicable income taxes | $-1,405,000 | 8,949 |
| Income before extraordinary items | $-2,983,000 | 8,945 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,983,000 | 8,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,179,000 | 688 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-3,199,920 | 8,935 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $48,422,000 | 454 |
| Total interest expense | $14,737,000 | 426 |
| Net interest income | $33,685,000 | 460 |
| Provision for loan and lease losses | $3,017,000 | 312 |
| Total noninterest income | $5,920,000 | 740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,920,000 | 487 |
| Total noninterest expense | $40,144,000 | 346 |
| Salaries and employee benefits | $20,615,000 | 338 |
| Premises and equipment expense | $13,692,000 | 165 |
| Additional noninterest expense | $5,837,000 | 668 |
| Pre-tax net operating income | $-3,556,000 | 9,001 |
| Securities gains (losses) | $264,000 | 652 |
| Applicable income taxes | $-1,063,000 | 8,998 |
| Income before extraordinary items | $-2,229,000 | 8,988 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-2,229,000 | 8,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $567,000 | 860 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-2,408,520 | 8,981 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $30,958,000 | 465 |
| Total interest expense | $9,398,000 | 443 |
| Net interest income | $21,560,000 | 467 |
| Provision for loan and lease losses | $1,965,000 | 321 |
| Total noninterest income | $4,536,000 | 662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,536,000 | 442 |
| Total noninterest expense | $26,767,000 | 344 |
| Salaries and employee benefits | $13,426,000 | 343 |
| Premises and equipment expense | $9,157,000 | 166 |
| Additional noninterest expense | $4,184,000 | 635 |
| Pre-tax net operating income | $-2,636,000 | 9,055 |
| Securities gains (losses) | $191,000 | 666 |
| Applicable income taxes | $-837,000 | 9,050 |
| Income before extraordinary items | $-1,608,000 | 9,042 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,608,000 | 9,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 905 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-1,734,060 | 9,034 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $15,194,000 | 477 |
| Total interest expense | $4,562,000 | 461 |
| Net interest income | $10,632,000 | 482 |
| Provision for loan and lease losses | $700,000 | 404 |
| Total noninterest income | $3,287,000 | 510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,287,000 | 348 |
| Total noninterest expense | $13,258,000 | 349 |
| Salaries and employee benefits | $6,518,000 | 359 |
| Premises and equipment expense | $4,552,000 | 168 |
| Additional noninterest expense | $2,188,000 | 598 |
| Pre-tax net operating income | $-39,000 | 8,703 |
| Securities gains (losses) | $75,000 | 956 |
| Applicable income taxes | $62,000 | 4,533 |
| Income before extraordinary items | $-26,000 | 8,715 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-26,000 | 8,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 1,325 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-74,000 | 8,762 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $58,149,000 | 496 |
| Total interest expense | $19,103,000 | 483 |
| Net interest income | $39,046,000 | 501 |
| Provision for loan and lease losses | $2,891,000 | 497 |
| Total noninterest income | $5,206,000 | 1,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,206,000 | 739 |
| Total noninterest expense | $44,626,000 | 415 |
| Salaries and employee benefits | $22,850,000 | 398 |
| Premises and equipment expense | $14,730,000 | 191 |
| Additional noninterest expense | $7,046,000 | 743 |
| Pre-tax net operating income | $-3,265,000 | 9,117 |
| Securities gains (losses) | $422,000 | 843 |
| Applicable income taxes | $-857,000 | 9,125 |
| Income before extraordinary items | $-1,986,000 | 9,115 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,986,000 | 9,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $826,000 | 1,061 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,281,400 | 9,090 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $43,386,000 | 509 |
| Total interest expense | $14,790,000 | 492 |
| Net interest income | $28,596,000 | 523 |
| Provision for loan and lease losses | $1,553,000 | 631 |
| Total noninterest income | $3,809,000 | 1,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,809,000 | 780 |
| Total noninterest expense | $32,603,000 | 426 |
| Salaries and employee benefits | $16,661,000 | 415 |
| Premises and equipment expense | $11,152,000 | 194 |
| Additional noninterest expense | $4,790,000 | 810 |
| Pre-tax net operating income | $-1,751,000 | 9,147 |
| Securities gains (losses) | $341,000 | 889 |
| Applicable income taxes | $-255,000 | 9,138 |
| Income before extraordinary items | $-1,155,000 | 9,141 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,155,000 | 9,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $738,000 | 865 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,434,620 | 9,128 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $29,097,000 | 509 |
| Total interest expense | $10,322,000 | 485 |
| Net interest income | $18,775,000 | 532 |
| Provision for loan and lease losses | $933,000 | 671 |
| Total noninterest income | $2,571,000 | 1,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,571,000 | 759 |
| Total noninterest expense | $21,033,000 | 446 |
| Salaries and employee benefits | $10,509,000 | 440 |
| Premises and equipment expense | $7,230,000 | 199 |
| Additional noninterest expense | $3,294,000 | 792 |
| Pre-tax net operating income | $-620,000 | 9,108 |
| Securities gains (losses) | $153,000 | 1,220 |
| Applicable income taxes | $41,000 | 6,076 |
| Income before extraordinary items | $-508,000 | 9,134 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-508,000 | 9,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $684,000 | 680 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-661,000 | 9,119 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $14,526,000 | 519 |
| Total interest expense | $5,299,000 | 491 |
| Net interest income | $9,227,000 | 542 |
| Provision for loan and lease losses | $196,000 | 1,396 |
| Total noninterest income | $1,121,000 | 1,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,121,000 | 826 |
| Total noninterest expense | $10,189,000 | 456 |
| Salaries and employee benefits | $5,423,000 | 426 |
| Premises and equipment expense | $3,379,000 | 215 |
| Additional noninterest expense | $1,387,000 | 904 |
| Pre-tax net operating income | $-37,000 | 8,855 |
| Securities gains (losses) | $153,000 | 790 |
| Applicable income taxes | $50,000 | 5,100 |
| Income before extraordinary items | $66,000 | 7,568 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $66,000 | 7,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 957 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-31,920 | 8,817 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $56,903,000 | 557 |
| Total interest expense | $24,522,000 | 481 |
| Net interest income | $32,381,000 | 591 |
| Provision for loan and lease losses | $2,890,000 | 561 |
| Total noninterest income | $4,222,000 | 1,199 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,222,000 | 790 |
| Total noninterest expense | $36,540,000 | 478 |
| Salaries and employee benefits | $17,951,000 | 480 |
| Premises and equipment expense | $12,206,000 | 226 |
| Additional noninterest expense | $6,383,000 | 796 |
| Pre-tax net operating income | $-2,827,000 | 9,274 |
| Securities gains (losses) | $927,000 | 446 |
| Applicable income taxes | $-615,000 | 9,266 |
| Income before extraordinary items | $-1,285,000 | 9,225 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,285,000 | 9,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,040,000 | 938 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,915,360 | 9,247 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $52,239,000 | 679 |
| Total interest expense | $34,084,000 | 509 |
| Net interest income | $18,155,000 | 995 |
| Provision for loan and lease losses | $4,108,000 | 405 |
| Total noninterest income | $3,957,000 | 1,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,957,000 | 782 |
| Total noninterest expense | $30,434,000 | 554 |
| Salaries and employee benefits | $14,804,000 | 533 |
| Premises and equipment expense | $11,414,000 | 230 |
| Additional noninterest expense | $4,216,000 | 1,137 |
| Pre-tax net operating income | $-12,430,000 | 9,598 |
| Securities gains (losses) | $536,000 | 588 |
| Applicable income taxes | $-4,254,000 | 9,592 |
| Income before extraordinary items | $-7,640,000 | 9,586 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-7,640,000 | 9,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $683,000 | 1,237 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-7,983,040 | 9,580 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $40,181,000 | 885 |
| Total interest expense | $26,124,000 | 701 |
| Net interest income | $14,057,000 | 1,246 |
| Provision for loan and lease losses | $1,713,000 | 685 |
| Total noninterest income | $2,997,000 | 1,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,997,000 | 859 |
| Total noninterest expense | $23,879,000 | 657 |
| Salaries and employee benefits | $10,974,000 | 652 |
| Premises and equipment expense | $9,305,000 | 275 |
| Additional noninterest expense | $3,600,000 | 1,260 |
| Pre-tax net operating income | $-8,538,000 | 9,886 |
| Securities gains (losses) | $565,000 | 246 |
| Applicable income taxes | $-2,803,000 | 9,871 |
| Income before extraordinary items | $-5,170,000 | 9,862 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-5,170,000 | 9,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 1,662 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-5,537,250 | 9,868 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $27,822,000 | 1,169 |
| Total interest expense | $17,004,000 | 918 |
| Net interest income | $10,818,000 | 1,609 |
| Provision for loan and lease losses | $1,297,000 | 797 |
| Total noninterest income | $2,208,000 | 1,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,208,000 | 1,075 |
| Total noninterest expense | $16,304,000 | 883 |
| Salaries and employee benefits | $7,673,000 | 897 |
| Premises and equipment expense | $5,599,000 | 412 |
| Additional noninterest expense | $3,032,000 | 1,507 |
| Pre-tax net operating income | $-4,575,000 | 10,201 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-1,625,000 | 10,190 |
| Income before extraordinary items | $-2,950,000 | 10,183 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-2,950,000 | 10,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,630 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-2,950,000 | 10,179 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,815,000 | 2,742 |
| Total interest expense | $6,912,000 | 2,190 |
| Net interest income | $4,903,000 | 3,472 |
| Provision for loan and lease losses | $1,693,000 | 652 |
| Total noninterest income | $818,000 | 3,568 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $818,000 | 2,141 |
| Total noninterest expense | $9,820,000 | 1,340 |
| Salaries and employee benefits | $4,609,000 | 1,426 |
| Premises and equipment expense | $2,111,000 | 916 |
| Additional noninterest expense | $3,100,000 | 1,413 |
| Pre-tax net operating income | $-5,792,000 | 10,448 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-2,080,000 | 10,444 |
| Income before extraordinary items | $-3,712,000 | 10,437 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-3,712,000 | 10,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-3,712,000 | 10,425 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,939,000 | 7,836 |
| Total interest expense | $1,515,000 | 7,315 |
| Net interest income | $1,424,000 | 8,172 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $65,000 | 10,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $65,000 | 7,858 |
| Total noninterest expense | $2,351,000 | 5,022 |
| Salaries and employee benefits | $1,184,000 | 5,161 |
| Premises and equipment expense | $373,000 | 4,681 |
| Additional noninterest expense | $794,000 | 4,750 |
| Pre-tax net operating income | $-952,000 | 10,841 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-331,000 | 10,834 |
| Income before extraordinary items | $-621,000 | 10,786 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-621,000 | 10,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $45,000,000 | 20 |
| Net operating income | $-621,000 | 10,773 |
* 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.