Home > Irwin Union Bank, F.S.B. > Income and Expense
Irwin Union Bank, F.S.B., Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,757,000 | 1,209 |
| Total interest expense | $6,353,000 | 1,040 |
| Net interest income | $8,404,000 | 1,323 |
| Provision for loan and lease losses | $3,769,000 | 927 |
| Total noninterest income | $968,000 | 2,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-40,000 | 8,151 |
| Additional Noninterest Income | $1,008,000 | 1,425 |
| Total noninterest expense | $12,412,000 | 857 |
| Salaries and employee benefits | $5,735,000 | 888 |
| Premises and equipment expense | $2,480,000 | 560 |
| Additional noninterest expense | $4,197,000 | 908 |
| Pre-tax net operating income | $-6,809,000 | 7,827 |
| Securities gains (losses) | $15,000 | 2,438 |
| Applicable income taxes | $8,435,000 | 120 |
| Income before extraordinary items | $-15,229,000 | 8,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-15,229,000 | 8,010 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-15,229,000 | 8,010 |
| Net charge-offs | $6,992,000 | 476 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-15,244,000 | 8,004 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,631,000 | 1,186 |
| Total interest expense | $3,299,000 | 1,050 |
| Net interest income | $4,332,000 | 1,278 |
| Provision for loan and lease losses | $2,200,000 | 702 |
| Total noninterest income | $695,000 | 1,704 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $695,000 | 1,119 |
| Total noninterest expense | $5,630,000 | 902 |
| Salaries and employee benefits | $2,465,000 | 1,028 |
| Premises and equipment expense | $1,209,000 | 583 |
| Additional noninterest expense | $1,956,000 | 841 |
| Pre-tax net operating income | $-2,803,000 | 7,929 |
| Securities gains (losses) | $15,000 | 1,797 |
| Applicable income taxes | $1,346,000 | 285 |
| Income before extraordinary items | $-4,134,000 | 8,029 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,134,000 | 8,030 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,134,000 | 8,030 |
| Net charge-offs | $3,074,000 | 444 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,149,000 | 8,032 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $39,044,000 | 958 |
| Total interest expense | $16,214,000 | 990 |
| Net interest income | $22,830,000 | 937 |
| Provision for loan and lease losses | $20,811,000 | 362 |
| Total noninterest income | $3,704,000 | 1,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $7,000 | 142 |
| Additional Noninterest Income | $3,697,000 | 824 |
| Total noninterest expense | $27,555,000 | 726 |
| Salaries and employee benefits | $10,513,000 | 951 |
| Premises and equipment expense | $9,003,000 | 313 |
| Additional noninterest expense | $8,039,000 | 822 |
| Pre-tax net operating income | $-21,832,000 | 8,112 |
| Securities gains (losses) | $1,678,000 | 149 |
| Applicable income taxes | $-7,976,000 | 8,172 |
| Income before extraordinary items | $-12,178,000 | 8,029 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-12,178,000 | 8,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,652,000 | 361 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-13,251,920 | 8,070 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $30,626,000 | 941 |
| Total interest expense | $12,100,000 | 1,038 |
| Net interest income | $18,526,000 | 878 |
| Provision for loan and lease losses | $14,111,000 | 316 |
| Total noninterest income | $2,981,000 | 1,316 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $7,000 | 133 |
| Additional Noninterest Income | $2,974,000 | 829 |
| Total noninterest expense | $20,200,000 | 732 |
| Salaries and employee benefits | $7,669,000 | 999 |
| Premises and equipment expense | $6,930,000 | 319 |
| Additional noninterest expense | $5,601,000 | 833 |
| Pre-tax net operating income | $-12,804,000 | 8,247 |
| Securities gains (losses) | $1,643,000 | 128 |
| Applicable income taxes | $-4,415,000 | 8,259 |
| Income before extraordinary items | $-6,746,000 | 8,174 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-6,746,000 | 8,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,786,000 | 268 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,797,520 | 8,219 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $21,225,000 | 927 |
| Total interest expense | $8,382,000 | 1,038 |
| Net interest income | $12,843,000 | 847 |
| Provision for loan and lease losses | $11,581,000 | 241 |
| Total noninterest income | $2,032,000 | 1,313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,032,000 | 830 |
| Total noninterest expense | $13,465,000 | 727 |
| Salaries and employee benefits | $5,286,000 | 978 |
| Premises and equipment expense | $4,661,000 | 319 |
| Additional noninterest expense | $3,518,000 | 843 |
| Pre-tax net operating income | $-10,171,000 | 8,358 |
| Securities gains (losses) | $1,429,000 | 146 |
| Applicable income taxes | $-3,452,000 | 8,366 |
| Income before extraordinary items | $-5,290,000 | 8,321 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,290,000 | 8,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,774,000 | 208 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-6,204,560 | 8,331 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $10,681,000 | 944 |
| Total interest expense | $4,416,000 | 1,060 |
| Net interest income | $6,265,000 | 865 |
| Provision for loan and lease losses | $1,600,000 | 450 |
| Total noninterest income | $1,040,000 | 1,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,040,000 | 839 |
| Total noninterest expense | $7,484,000 | 644 |
| Salaries and employee benefits | $2,897,000 | 889 |
| Premises and equipment expense | $2,594,000 | 284 |
| Additional noninterest expense | $1,993,000 | 725 |
| Pre-tax net operating income | $-1,779,000 | 8,355 |
| Securities gains (losses) | $1,146,000 | 132 |
| Applicable income taxes | $-236,000 | 8,282 |
| Income before extraordinary items | $-397,000 | 8,077 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-397,000 | 8,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $689,000 | 587 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,130,440 | 8,314 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $44,082,000 | 957 |
| Total interest expense | $21,436,000 | 925 |
| Net interest income | $22,646,000 | 975 |
| Provision for loan and lease losses | $5,056,000 | 400 |
| Total noninterest income | $2,938,000 | 1,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,938,000 | 1,032 |
| Total noninterest expense | $25,272,000 | 741 |
| Salaries and employee benefits | $10,461,000 | 955 |
| Premises and equipment expense | $7,561,000 | 365 |
| Additional noninterest expense | $7,250,000 | 798 |
| Pre-tax net operating income | $-4,744,000 | 8,436 |
| Securities gains (losses) | $4,933,000 | 59 |
| Applicable income taxes | $12,000 | 5,593 |
| Income before extraordinary items | $177,000 | 6,866 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $177,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,197,000 | 890 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-4,460,020 | 8,440 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $32,595,000 | 966 |
| Total interest expense | $15,968,000 | 928 |
| Net interest income | $16,627,000 | 997 |
| Provision for loan and lease losses | $956,000 | 933 |
| Total noninterest income | $2,012,000 | 1,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,012,000 | 1,103 |
| Total noninterest expense | $19,433,000 | 712 |
| Salaries and employee benefits | $8,059,000 | 920 |
| Premises and equipment expense | $6,115,000 | 344 |
| Additional noninterest expense | $5,259,000 | 793 |
| Pre-tax net operating income | $-1,750,000 | 8,419 |
| Securities gains (losses) | $3,428,000 | 69 |
| Applicable income taxes | $602,000 | 2,282 |
| Income before extraordinary items | $1,076,000 | 3,716 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,076,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,290 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,117,920 | 8,346 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,341,000 | 1,000 |
| Total interest expense | $10,223,000 | 977 |
| Net interest income | $11,118,000 | 1,011 |
| Provision for loan and lease losses | $716,000 | 765 |
| Total noninterest income | $1,300,000 | 1,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,300,000 | 1,165 |
| Total noninterest expense | $12,918,000 | 732 |
| Salaries and employee benefits | $5,453,000 | 926 |
| Premises and equipment expense | $4,091,000 | 356 |
| Additional noninterest expense | $3,374,000 | 831 |
| Pre-tax net operating income | $-1,216,000 | 8,495 |
| Securities gains (losses) | $2,013,000 | 80 |
| Applicable income taxes | $300,000 | 2,735 |
| Income before extraordinary items | $497,000 | 4,560 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $497,000 | 4,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,016 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-791,320 | 8,431 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,323,000 | 1,033 |
| Total interest expense | $4,817,000 | 1,024 |
| Net interest income | $5,506,000 | 1,013 |
| Provision for loan and lease losses | $366,000 | 674 |
| Total noninterest income | $650,000 | 1,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $650,000 | 1,129 |
| Total noninterest expense | $7,078,000 | 662 |
| Salaries and employee benefits | $3,081,000 | 821 |
| Premises and equipment expense | $2,379,000 | 307 |
| Additional noninterest expense | $1,618,000 | 850 |
| Pre-tax net operating income | $-1,288,000 | 8,605 |
| Securities gains (losses) | $1,122,000 | 66 |
| Applicable income taxes | $-213,000 | 8,568 |
| Income before extraordinary items | $47,000 | 7,200 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $47,000 | 7,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,191 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-671,080 | 8,563 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $36,019,000 | 1,093 |
| Total interest expense | $14,027,000 | 1,198 |
| Net interest income | $21,992,000 | 1,011 |
| Provision for loan and lease losses | $919,000 | 1,119 |
| Total noninterest income | $3,576,000 | 1,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,576,000 | 882 |
| Total noninterest expense | $23,722,000 | 738 |
| Salaries and employee benefits | $10,890,000 | 881 |
| Premises and equipment expense | $7,565,000 | 350 |
| Additional noninterest expense | $5,267,000 | 1,012 |
| Pre-tax net operating income | $927,000 | 5,355 |
| Securities gains (losses) | $4,706,000 | 61 |
| Applicable income taxes | $2,159,000 | 1,255 |
| Income before extraordinary items | $3,474,000 | 2,030 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,474,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,423 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $462,160 | 6,294 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $26,721,000 | 1,106 |
| Total interest expense | $10,152,000 | 1,208 |
| Net interest income | $16,569,000 | 1,030 |
| Provision for loan and lease losses | $715,000 | 1,037 |
| Total noninterest income | $2,841,000 | 1,360 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,841,000 | 847 |
| Total noninterest expense | $17,596,000 | 763 |
| Salaries and employee benefits | $8,282,000 | 886 |
| Premises and equipment expense | $5,466,000 | 367 |
| Additional noninterest expense | $3,848,000 | 1,053 |
| Pre-tax net operating income | $1,099,000 | 4,518 |
| Securities gains (losses) | $3,354,000 | 68 |
| Applicable income taxes | $1,788,000 | 1,195 |
| Income before extraordinary items | $2,665,000 | 2,030 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,665,000 | 2,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,854 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $518,440 | 5,674 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,498,000 | 1,104 |
| Total interest expense | $6,577,000 | 1,180 |
| Net interest income | $10,921,000 | 1,042 |
| Provision for loan and lease losses | $440,000 | 1,097 |
| Total noninterest income | $1,872,000 | 1,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,872,000 | 868 |
| Total noninterest expense | $11,525,000 | 782 |
| Salaries and employee benefits | $5,632,000 | 873 |
| Premises and equipment expense | $3,365,000 | 394 |
| Additional noninterest expense | $2,528,000 | 1,082 |
| Pre-tax net operating income | $828,000 | 4,246 |
| Securities gains (losses) | $1,887,000 | 71 |
| Applicable income taxes | $1,118,000 | 1,274 |
| Income before extraordinary items | $1,597,000 | 2,228 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,597,000 | 2,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,253 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $389,320 | 5,442 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,348,000 | 1,130 |
| Total interest expense | $3,132,000 | 1,172 |
| Net interest income | $5,216,000 | 1,080 |
| Provision for loan and lease losses | $227,000 | 1,016 |
| Total noninterest income | $939,000 | 1,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $939,000 | 845 |
| Total noninterest expense | $5,614,000 | 797 |
| Salaries and employee benefits | $2,918,000 | 838 |
| Premises and equipment expense | $1,441,000 | 458 |
| Additional noninterest expense | $1,255,000 | 1,068 |
| Pre-tax net operating income | $314,000 | 4,850 |
| Securities gains (losses) | $1,118,000 | 68 |
| Applicable income taxes | $581,000 | 1,231 |
| Income before extraordinary items | $851,000 | 2,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $851,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $135,480 | 6,173 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,870,000 | 1,246 |
| Total interest expense | $9,902,000 | 1,136 |
| Net interest income | $16,968,000 | 1,285 |
| Provision for loan and lease losses | $1,588,000 | 668 |
| Total noninterest income | $2,990,000 | 1,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,990,000 | 1,012 |
| Total noninterest expense | $19,412,000 | 872 |
| Salaries and employee benefits | $8,844,000 | 1,044 |
| Premises and equipment expense | $6,686,000 | 382 |
| Additional noninterest expense | $3,882,000 | 1,317 |
| Pre-tax net operating income | $-1,042,000 | 8,649 |
| Securities gains (losses) | $5,574,000 | 75 |
| Applicable income taxes | $1,832,000 | 1,463 |
| Income before extraordinary items | $2,700,000 | 2,444 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,700,000 | 2,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,391 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-867,360 | 8,624 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,309,000 | 1,323 |
| Total interest expense | $6,725,000 | 1,174 |
| Net interest income | $11,584,000 | 1,392 |
| Provision for loan and lease losses | $1,381,000 | 554 |
| Total noninterest income | $2,139,000 | 1,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,139,000 | 1,068 |
| Total noninterest expense | $14,720,000 | 861 |
| Salaries and employee benefits | $6,576,000 | 1,044 |
| Premises and equipment expense | $5,179,000 | 369 |
| Additional noninterest expense | $2,965,000 | 1,286 |
| Pre-tax net operating income | $-2,378,000 | 8,826 |
| Securities gains (losses) | $4,704,000 | 77 |
| Applicable income taxes | $936,000 | 1,970 |
| Income before extraordinary items | $1,390,000 | 3,325 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,390,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,683 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,620,560 | 8,789 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,039,000 | 1,424 |
| Total interest expense | $4,053,000 | 1,229 |
| Net interest income | $6,986,000 | 1,532 |
| Provision for loan and lease losses | $794,000 | 644 |
| Total noninterest income | $1,296,000 | 1,810 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,296,000 | 1,113 |
| Total noninterest expense | $8,651,000 | 970 |
| Salaries and employee benefits | $4,473,000 | 1,007 |
| Premises and equipment expense | $2,639,000 | 464 |
| Additional noninterest expense | $1,539,000 | 1,606 |
| Pre-tax net operating income | $-1,163,000 | 8,798 |
| Securities gains (losses) | $2,699,000 | 89 |
| Applicable income taxes | $655,000 | 1,880 |
| Income before extraordinary items | $881,000 | 3,410 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $881,000 | 3,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,342 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-846,360 | 8,757 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,145,000 | 1,507 |
| Total interest expense | $1,880,000 | 1,262 |
| Net interest income | $3,265,000 | 1,632 |
| Provision for loan and lease losses | $992,000 | 261 |
| Total noninterest income | $516,000 | 2,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $516,000 | 1,312 |
| Total noninterest expense | $4,066,000 | 1,028 |
| Salaries and employee benefits | $2,243,000 | 992 |
| Premises and equipment expense | $1,242,000 | 479 |
| Additional noninterest expense | $581,000 | 2,114 |
| Pre-tax net operating income | $-1,277,000 | 8,905 |
| Securities gains (losses) | $1,011,000 | 101 |
| Applicable income taxes | $-108,000 | 8,847 |
| Income before extraordinary items | $-158,000 | 8,717 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-158,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 1,576 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-805,040 | 8,883 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,491,000 | 1,957 |
| Total interest expense | $5,000,000 | 1,636 |
| Net interest income | $9,491,000 | 2,146 |
| Provision for loan and lease losses | $345,000 | 2,653 |
| Total noninterest income | $2,646,000 | 1,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,646,000 | 1,076 |
| Total noninterest expense | $12,893,000 | 1,278 |
| Salaries and employee benefits | $7,024,000 | 1,252 |
| Premises and equipment expense | $3,403,000 | 681 |
| Additional noninterest expense | $2,466,000 | 1,976 |
| Pre-tax net operating income | $-1,101,000 | 8,821 |
| Securities gains (losses) | $6,500,000 | 89 |
| Applicable income taxes | $2,185,000 | 1,174 |
| Income before extraordinary items | $3,214,000 | 1,947 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,214,000 | 1,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,298 |
| Cash dividends | $19,000,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-946,000 | 8,806 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,892,000 | 2,157 |
| Total interest expense | $3,506,000 | 1,719 |
| Net interest income | $6,386,000 | 2,372 |
| Provision for loan and lease losses | $251,000 | 2,563 |
| Total noninterest income | $2,179,000 | 1,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,179,000 | 1,012 |
| Total noninterest expense | $9,475,000 | 1,299 |
| Salaries and employee benefits | $5,218,000 | 1,261 |
| Premises and equipment expense | $2,414,000 | 719 |
| Additional noninterest expense | $1,843,000 | 1,950 |
| Pre-tax net operating income | $-1,161,000 | 8,922 |
| Securities gains (losses) | $5,778,000 | 92 |
| Applicable income taxes | $1,865,000 | 1,079 |
| Income before extraordinary items | $2,752,000 | 1,754 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,752,000 | 1,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,998 |
| Cash dividends | $19,000,000 | 184 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-945,920 | 8,903 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,406,000 | 2,183 |
| Total interest expense | $2,295,000 | 1,732 |
| Net interest income | $4,111,000 | 2,435 |
| Provision for loan and lease losses | $191,000 | 2,290 |
| Total noninterest income | $1,695,000 | 1,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,695,000 | 900 |
| Total noninterest expense | $6,149,000 | 1,329 |
| Salaries and employee benefits | $3,360,000 | 1,301 |
| Premises and equipment expense | $1,539,000 | 739 |
| Additional noninterest expense | $1,250,000 | 1,908 |
| Pre-tax net operating income | $-534,000 | 8,914 |
| Securities gains (losses) | $5,223,000 | 75 |
| Applicable income taxes | $1,896,000 | 754 |
| Income before extraordinary items | $2,793,000 | 1,171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,793,000 | 1,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,376 |
| Cash dividends | $19,000,000 | 140 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-549,720 | 8,929 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,383,000 | 2,068 |
| Total interest expense | $1,269,000 | 1,583 |
| Net interest income | $2,114,000 | 2,360 |
| Provision for loan and lease losses | $117,000 | 1,897 |
| Total noninterest income | $1,054,000 | 1,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,054,000 | 758 |
| Total noninterest expense | $3,425,000 | 1,182 |
| Salaries and employee benefits | $1,919,000 | 1,140 |
| Premises and equipment expense | $853,000 | 693 |
| Additional noninterest expense | $653,000 | 1,816 |
| Pre-tax net operating income | $-374,000 | 9,003 |
| Securities gains (losses) | $951,000 | 173 |
| Applicable income taxes | $235,000 | 2,285 |
| Income before extraordinary items | $342,000 | 3,908 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $342,000 | 3,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,764 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-266,640 | 8,956 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,643,000 | 2,277 |
| Total interest expense | $4,338,000 | 2,050 |
| Net interest income | $8,305,000 | 2,344 |
| Provision for loan and lease losses | $651,000 | 1,733 |
| Total noninterest income | $2,985,000 | 1,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,985,000 | 1,097 |
| Total noninterest expense | $11,677,000 | 1,374 |
| Salaries and employee benefits | $6,420,000 | 1,339 |
| Premises and equipment expense | $3,051,000 | 748 |
| Additional noninterest expense | $2,206,000 | 2,187 |
| Pre-tax net operating income | $-1,038,000 | 8,983 |
| Securities gains (losses) | $3,499,000 | 198 |
| Applicable income taxes | $971,000 | 2,225 |
| Income before extraordinary items | $1,490,000 | 3,574 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,490,000 | 3,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,302 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-749,360 | 8,925 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,085,000 | 2,400 |
| Total interest expense | $3,164,000 | 2,191 |
| Net interest income | $5,921,000 | 2,474 |
| Provision for loan and lease losses | $594,000 | 1,426 |
| Total noninterest income | $2,215,000 | 1,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,215,000 | 1,146 |
| Total noninterest expense | $8,658,000 | 1,402 |
| Salaries and employee benefits | $4,807,000 | 1,363 |
| Premises and equipment expense | $2,204,000 | 780 |
| Additional noninterest expense | $1,647,000 | 2,177 |
| Pre-tax net operating income | $-1,116,000 | 9,096 |
| Securities gains (losses) | $2,748,000 | 220 |
| Applicable income taxes | $639,000 | 2,551 |
| Income before extraordinary items | $993,000 | 3,998 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $993,000 | 3,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,605 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-765,720 | 9,043 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,789,000 | 2,515 |
| Total interest expense | $2,066,000 | 2,294 |
| Net interest income | $3,723,000 | 2,611 |
| Provision for loan and lease losses | $350,000 | 1,581 |
| Total noninterest income | $1,432,000 | 1,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,432,000 | 1,175 |
| Total noninterest expense | $5,903,000 | 1,366 |
| Salaries and employee benefits | $3,384,000 | 1,279 |
| Premises and equipment expense | $1,512,000 | 767 |
| Additional noninterest expense | $1,007,000 | 2,356 |
| Pre-tax net operating income | $-1,098,000 | 9,170 |
| Securities gains (losses) | $1,919,000 | 238 |
| Applicable income taxes | $319,000 | 3,122 |
| Income before extraordinary items | $502,000 | 4,796 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $502,000 | 4,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,091 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-726,160 | 9,126 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,685,000 | 2,717 |
| Total interest expense | $956,000 | 2,532 |
| Net interest income | $1,729,000 | 2,797 |
| Provision for loan and lease losses | $193,000 | 1,418 |
| Total noninterest income | $681,000 | 1,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $681,000 | 1,184 |
| Total noninterest expense | $3,004,000 | 1,344 |
| Salaries and employee benefits | $1,766,000 | 1,209 |
| Premises and equipment expense | $767,000 | 768 |
| Additional noninterest expense | $471,000 | 2,473 |
| Pre-tax net operating income | $-787,000 | 9,249 |
| Securities gains (losses) | $911,000 | 230 |
| Applicable income taxes | $45,000 | 5,243 |
| Income before extraordinary items | $79,000 | 7,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,659 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-504,040 | 9,200 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,227,000 | 3,565 |
| Total interest expense | $3,199,000 | 3,350 |
| Net interest income | $5,028,000 | 3,658 |
| Provision for loan and lease losses | $469,000 | 2,510 |
| Total noninterest income | $1,903,000 | 2,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,903,000 | 1,366 |
| Total noninterest expense | $9,667,000 | 1,596 |
| Salaries and employee benefits | $5,409,000 | 1,502 |
| Premises and equipment expense | $2,340,000 | 935 |
| Additional noninterest expense | $1,918,000 | 2,405 |
| Pre-tax net operating income | $-3,205,000 | 9,288 |
| Securities gains (losses) | $4,570,000 | 169 |
| Applicable income taxes | $499,000 | 3,444 |
| Income before extraordinary items | $866,000 | 4,981 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $866,000 | 4,982 |
| 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 | $-2,058,800 | 9,253 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,929,000 | 5,657 |
| Total interest expense | $3,516,000 | 4,193 |
| Net interest income | $1,413,000 | 7,495 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $767,000 | 3,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $767,000 | 2,449 |
| Total noninterest expense | $6,522,000 | 2,210 |
| Salaries and employee benefits | $3,869,000 | 1,940 |
| Premises and equipment expense | $1,286,000 | 1,677 |
| Additional noninterest expense | $1,367,000 | 3,123 |
| Pre-tax net operating income | $-4,357,000 | 9,561 |
| Securities gains (losses) | $3,290,000 | 179 |
| Applicable income taxes | $-432,000 | 9,483 |
| Income before extraordinary items | $-635,000 | 9,292 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-635,000 | 9,294 |
| 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 | $-2,740,600 | 9,530 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,000 | 9,894 |
| Total interest expense | $1,000 | 9,870 |
| Net interest income | $12,000 | 9,889 |
| Provision for loan and lease losses | $46,000 | 6,690 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $39,000 | 9,891 |
| Salaries and employee benefits | $36,000 | 9,875 |
| Premises and equipment expense | $3,000 | 9,859 |
| Additional noninterest expense | $0 | 9,897 |
| Pre-tax net operating income | $-73,000 | 9,223 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-29,000 | 9,418 |
| Income before extraordinary items | $-44,000 | 9,202 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-44,000 | 9,201 |
| 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 | $6,653,000 | 135 |
| Net operating income | $-44,000 | 9,194 |
* 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.