ISN Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,772,000 | 5,833 |
| Total interest expense | $1,023,000 | 3,743 |
| Net interest income | $749,000 | 6,853 |
| Provision for loan and lease losses | $243,000 | 3,932 |
| Total noninterest income | $18,000 | 7,345 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $2,000 | 6,907 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $16,000 | 6,606 |
| Total noninterest expense | $1,931,000 | 4,343 |
| Salaries and employee benefits | $519,000 | 6,040 |
| Premises and equipment expense | $170,000 | 5,243 |
| Additional noninterest expense | $1,242,000 | 2,636 |
| Pre-tax net operating income | $-1,407,000 | 7,141 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,406,000 | 7,219 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,406,000 | 7,218 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,406,000 | 7,219 |
| Net charge-offs | $4,422,000 | 625 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,407,000 | 7,206 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $897,000 | 5,875 |
| Total interest expense | $529,000 | 3,774 |
| Net interest income | $368,000 | 6,937 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $-14,000 | 7,715 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $2,000 | 6,961 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-16,000 | 7,591 |
| Total noninterest expense | $827,000 | 4,817 |
| Salaries and employee benefits | $268,000 | 6,059 |
| Premises and equipment expense | $84,000 | 5,347 |
| Additional noninterest expense | $475,000 | 3,322 |
| Pre-tax net operating income | $-473,000 | 7,162 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-473,000 | 7,242 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-473,000 | 7,243 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-473,000 | 7,243 |
| Net charge-offs | $4,405,000 | 371 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-473,000 | 7,226 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,094,000 | 5,077 |
| Total interest expense | $3,612,000 | 2,972 |
| Net interest income | $1,482,000 | 6,927 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $290,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $98,000 | 5,781 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $192,000 | 4,698 |
| Total noninterest expense | $4,093,000 | 4,270 |
| Salaries and employee benefits | $1,315,000 | 5,576 |
| Premises and equipment expense | $515,000 | 4,299 |
| Additional noninterest expense | $2,263,000 | 3,003 |
| Pre-tax net operating income | $-2,321,000 | 6,720 |
| Securities gains (losses) | $225,000 | 1,462 |
| Applicable income taxes | $2,000 | 4,160 |
| Income before extraordinary items | $-2,098,000 | 6,787 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,098,000 | 6,785 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,098,000 | 6,785 |
| Net charge-offs | $205,000 | 4,972 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,323,000 | 6,843 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,104,000 | 4,930 |
| Total interest expense | $2,895,000 | 2,936 |
| Net interest income | $1,209,000 | 6,804 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $359,000 | 4,862 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $80,000 | 5,706 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $279,000 | 3,732 |
| Total noninterest expense | $3,171,000 | 4,194 |
| Salaries and employee benefits | $1,041,000 | 5,454 |
| Premises and equipment expense | $395,000 | 4,291 |
| Additional noninterest expense | $1,735,000 | 2,907 |
| Pre-tax net operating income | $-1,603,000 | 6,908 |
| Securities gains (losses) | $131,000 | 1,628 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,472,000 | 6,992 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,472,000 | 6,992 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,472,000 | 6,993 |
| Net charge-offs | $124,000 | 4,853 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,603,000 | 7,022 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 4,859 |
| Total interest expense | $2,041,000 | 2,918 |
| Net interest income | $823,000 | 6,795 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $305,000 | 4,390 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $54,000 | 5,697 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $251,000 | 3,297 |
| Total noninterest expense | $2,096,000 | 4,258 |
| Salaries and employee benefits | $705,000 | 5,473 |
| Premises and equipment expense | $263,000 | 4,316 |
| Additional noninterest expense | $1,128,000 | 2,986 |
| Pre-tax net operating income | $-968,000 | 7,006 |
| Securities gains (losses) | $132,000 | 1,284 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-836,000 | 7,041 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-836,000 | 7,040 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-836,000 | 7,041 |
| Net charge-offs | $-16,000 | 7,975 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-968,000 | 7,127 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,569,000 | 4,622 |
| Total interest expense | $1,093,000 | 2,848 |
| Net interest income | $476,000 | 6,510 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $191,000 | 3,902 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $28,000 | 5,598 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $163,000 | 2,831 |
| Total noninterest expense | $1,073,000 | 4,098 |
| Salaries and employee benefits | $356,000 | 5,492 |
| Premises and equipment expense | $126,000 | 4,497 |
| Additional noninterest expense | $591,000 | 2,600 |
| Pre-tax net operating income | $-406,000 | 7,209 |
| Securities gains (losses) | $123,000 | 896 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-283,000 | 7,171 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-283,000 | 7,171 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-283,000 | 7,172 |
| Net charge-offs | $114,000 | 2,733 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-406,000 | 7,314 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,960,000 | 3,816 |
| Total interest expense | $5,800,000 | 2,587 |
| Net interest income | $3,160,000 | 5,270 |
| Provision for loan and lease losses | $2,487,000 | 1,570 |
| Total noninterest income | $681,000 | 4,197 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $242,000 | 4,423 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $439,000 | 3,424 |
| Total noninterest expense | $6,230,000 | 2,968 |
| Salaries and employee benefits | $2,382,000 | 3,919 |
| Premises and equipment expense | $599,000 | 3,944 |
| Additional noninterest expense | $3,249,000 | 1,886 |
| Pre-tax net operating income | $-4,876,000 | 7,792 |
| Securities gains (losses) | $22,000 | 2,114 |
| Applicable income taxes | $-68,000 | 7,003 |
| Income before extraordinary items | $-4,786,000 | 7,799 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,786,000 | 7,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,785,000 | 716 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-4,807,780 | 7,855 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,138,000 | 3,719 |
| Total interest expense | $4,552,000 | 2,584 |
| Net interest income | $2,586,000 | 5,064 |
| Provision for loan and lease losses | $645,000 | 2,370 |
| Total noninterest income | $494,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $207,000 | 4,182 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $287,000 | 3,759 |
| Total noninterest expense | $5,006,000 | 2,776 |
| Salaries and employee benefits | $1,937,000 | 3,712 |
| Premises and equipment expense | $470,000 | 3,813 |
| Additional noninterest expense | $2,599,000 | 1,714 |
| Pre-tax net operating income | $-2,571,000 | 7,952 |
| Securities gains (losses) | $12,000 | 2,294 |
| Applicable income taxes | $2,000 | 5,168 |
| Income before extraordinary items | $-2,561,000 | 7,957 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,561,000 | 7,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,543,000 | 715 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,573,000 | 8,020 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,101,000 | 3,592 |
| Total interest expense | $3,216,000 | 2,548 |
| Net interest income | $1,885,000 | 4,806 |
| Provision for loan and lease losses | $645,000 | 1,623 |
| Total noninterest income | $302,000 | 4,612 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $153,000 | 4,023 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $149,000 | 4,327 |
| Total noninterest expense | $3,821,000 | 2,483 |
| Salaries and employee benefits | $1,465,000 | 3,398 |
| Premises and equipment expense | $318,000 | 3,787 |
| Additional noninterest expense | $2,038,000 | 1,439 |
| Pre-tax net operating income | $-2,279,000 | 8,191 |
| Securities gains (losses) | $14,000 | 2,273 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $-2,267,000 | 8,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,267,000 | 8,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,659,000 | 466 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,281,000 | 8,229 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 3,361 |
| Total interest expense | $1,742,000 | 2,509 |
| Net interest income | $1,118,000 | 4,287 |
| Provision for loan and lease losses | $645,000 | 858 |
| Total noninterest income | $162,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $81,000 | 3,870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $81,000 | 4,169 |
| Total noninterest expense | $1,935,000 | 2,442 |
| Salaries and employee benefits | $957,000 | 2,686 |
| Premises and equipment expense | $154,000 | 3,903 |
| Additional noninterest expense | $824,000 | 1,722 |
| Pre-tax net operating income | $-1,300,000 | 8,311 |
| Securities gains (losses) | $12,000 | 1,897 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-1,288,000 | 8,342 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,288,000 | 8,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $983,000 | 466 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,300,000 | 8,336 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,944,000 | 2,691 |
| Total interest expense | $8,478,000 | 2,217 |
| Net interest income | $6,466,000 | 3,314 |
| Provision for loan and lease losses | $8,221,000 | 281 |
| Total noninterest income | $787,000 | 4,036 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $537,000 | 2,894 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $250,000 | 4,598 |
| Total noninterest expense | $7,838,000 | 2,331 |
| Salaries and employee benefits | $3,136,000 | 3,109 |
| Premises and equipment expense | $775,000 | 3,167 |
| Additional noninterest expense | $3,927,000 | 1,411 |
| Pre-tax net operating income | $-8,806,000 | 8,471 |
| Securities gains (losses) | $45,000 | 831 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-8,761,000 | 8,482 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,761,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,814,000 | 238 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-8,806,000 | 8,476 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,782,000 | 2,577 |
| Total interest expense | $6,490,000 | 2,171 |
| Net interest income | $5,292,000 | 3,086 |
| Provision for loan and lease losses | $3,373,000 | 352 |
| Total noninterest income | $575,000 | 4,109 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $406,000 | 2,866 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $169,000 | 4,842 |
| Total noninterest expense | $6,104,000 | 2,226 |
| Salaries and employee benefits | $2,467,000 | 2,961 |
| Premises and equipment expense | $602,000 | 3,061 |
| Additional noninterest expense | $3,035,000 | 1,345 |
| Pre-tax net operating income | $-3,610,000 | 8,505 |
| Securities gains (losses) | $-2,000 | 7,433 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-3,612,000 | 8,515 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-3,612,000 | 8,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,677,000 | 320 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-3,610,000 | 8,508 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,064,000 | 2,549 |
| Total interest expense | $4,402,000 | 2,153 |
| Net interest income | $3,662,000 | 3,002 |
| Provision for loan and lease losses | $1,285,000 | 483 |
| Total noninterest income | $410,000 | 3,983 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $234,000 | 3,159 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $176,000 | 4,032 |
| Total noninterest expense | $4,220,000 | 2,171 |
| Salaries and employee benefits | $1,732,000 | 2,860 |
| Premises and equipment expense | $410,000 | 3,039 |
| Additional noninterest expense | $2,078,000 | 1,330 |
| Pre-tax net operating income | $-1,433,000 | 8,517 |
| Securities gains (losses) | $-2,000 | 7,706 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-1,435,000 | 8,539 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,435,000 | 8,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $687,000 | 582 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,433,000 | 8,527 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 2,470 |
| Total interest expense | $2,279,000 | 2,082 |
| Net interest income | $1,884,000 | 2,913 |
| Provision for loan and lease losses | $109,000 | 1,904 |
| Total noninterest income | $123,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $30,000 | 5,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $93,000 | 3,879 |
| Total noninterest expense | $1,822,000 | 2,518 |
| Salaries and employee benefits | $887,000 | 2,817 |
| Premises and equipment expense | $205,000 | 3,043 |
| Additional noninterest expense | $730,000 | 1,833 |
| Pre-tax net operating income | $76,000 | 6,980 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $31,000 | 4,589 |
| Income before extraordinary items | $45,000 | 7,226 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $45,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,087 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $45,000 | 7,220 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,476,000 | 2,135 |
| Total interest expense | $8,900,000 | 1,871 |
| Net interest income | $9,576,000 | 2,376 |
| Provision for loan and lease losses | $4,053,000 | 296 |
| Total noninterest income | $821,000 | 3,987 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $167,000 | 5,335 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $654,000 | 2,854 |
| Total noninterest expense | $7,316,000 | 2,421 |
| Salaries and employee benefits | $3,593,000 | 2,687 |
| Premises and equipment expense | $805,000 | 2,993 |
| Additional noninterest expense | $2,918,000 | 1,807 |
| Pre-tax net operating income | $-972,000 | 8,413 |
| Securities gains (losses) | $-8,000 | 7,211 |
| Applicable income taxes | $-383,000 | 8,547 |
| Income before extraordinary items | $-597,000 | 8,335 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-597,000 | 8,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,693,000 | 451 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-591,880 | 8,327 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,949,000 | 2,108 |
| Total interest expense | $6,430,000 | 1,876 |
| Net interest income | $7,519,000 | 2,306 |
| Provision for loan and lease losses | $741,000 | 1,001 |
| Total noninterest income | $480,000 | 4,588 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $129,000 | 5,332 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $351,000 | 3,434 |
| Total noninterest expense | $5,604,000 | 2,364 |
| Salaries and employee benefits | $2,857,000 | 2,546 |
| Premises and equipment expense | $597,000 | 3,015 |
| Additional noninterest expense | $2,150,000 | 1,801 |
| Pre-tax net operating income | $1,654,000 | 3,552 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $670,000 | 2,436 |
| Income before extraordinary items | $984,000 | 4,209 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $984,000 | 4,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,549,000 | 331 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $984,000 | 4,198 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,284,000 | 2,078 |
| Total interest expense | $4,132,000 | 1,853 |
| Net interest income | $5,152,000 | 2,270 |
| Provision for loan and lease losses | $353,000 | 1,300 |
| Total noninterest income | $367,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $91,000 | 5,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $276,000 | 3,165 |
| Total noninterest expense | $3,925,000 | 2,250 |
| Salaries and employee benefits | $1,918,000 | 2,532 |
| Premises and equipment expense | $388,000 | 3,083 |
| Additional noninterest expense | $1,619,000 | 1,623 |
| Pre-tax net operating income | $1,241,000 | 3,290 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $500,000 | 2,312 |
| Income before extraordinary items | $741,000 | 3,918 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $741,000 | 3,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,559,000 | 251 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $741,000 | 3,907 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,659,000 | 2,028 |
| Total interest expense | $2,060,000 | 1,773 |
| Net interest income | $2,599,000 | 2,238 |
| Provision for loan and lease losses | $311,000 | 749 |
| Total noninterest income | $215,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $162,000 | 2,832 |
| Total noninterest expense | $1,950,000 | 2,279 |
| Salaries and employee benefits | $961,000 | 2,539 |
| Premises and equipment expense | $186,000 | 3,186 |
| Additional noninterest expense | $803,000 | 1,622 |
| Pre-tax net operating income | $553,000 | 3,521 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $223,000 | 2,456 |
| Income before extraordinary items | $330,000 | 4,173 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $330,000 | 4,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,001,000 | 214 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $330,000 | 4,153 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,065,000 | 1,766 |
| Total interest expense | $8,140,000 | 1,391 |
| Net interest income | $10,925,000 | 2,026 |
| Provision for loan and lease losses | $1,028,000 | 1,023 |
| Total noninterest income | $3,370,000 | 1,459 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $517,000 | 2,982 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,853,000 | 1,059 |
| Total noninterest expense | $8,572,000 | 1,955 |
| Salaries and employee benefits | $4,205,000 | 2,182 |
| Premises and equipment expense | $896,000 | 2,612 |
| Additional noninterest expense | $3,471,000 | 1,465 |
| Pre-tax net operating income | $4,695,000 | 1,960 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $1,934,000 | 1,402 |
| Income before extraordinary items | $2,759,000 | 2,405 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,759,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $930,000 | 715 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 918 |
| Net operating income | $2,760,280 | 2,374 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,265,000 | 1,719 |
| Total interest expense | $6,015,000 | 1,330 |
| Net interest income | $8,250,000 | 2,002 |
| Provision for loan and lease losses | $432,000 | 1,612 |
| Total noninterest income | $1,426,000 | 2,293 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $289,000 | 3,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,137,000 | 1,655 |
| Total noninterest expense | $6,472,000 | 1,932 |
| Salaries and employee benefits | $3,297,000 | 2,080 |
| Premises and equipment expense | $692,000 | 2,538 |
| Additional noninterest expense | $2,483,000 | 1,514 |
| Pre-tax net operating income | $2,772,000 | 2,368 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $1,114,000 | 1,744 |
| Income before extraordinary items | $1,656,000 | 2,898 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,656,000 | 2,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $765,000 | 605 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 758 |
| Net operating income | $1,657,280 | 2,850 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,270,000 | 1,720 |
| Total interest expense | $3,861,000 | 1,307 |
| Net interest income | $5,409,000 | 2,008 |
| Provision for loan and lease losses | $318,000 | 1,442 |
| Total noninterest income | $1,170,000 | 1,952 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $188,000 | 3,641 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $982,000 | 1,370 |
| Total noninterest expense | $4,344,000 | 1,907 |
| Salaries and employee benefits | $2,274,000 | 1,983 |
| Premises and equipment expense | $486,000 | 2,389 |
| Additional noninterest expense | $1,584,000 | 1,565 |
| Pre-tax net operating income | $1,917,000 | 2,260 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $769,000 | 1,672 |
| Income before extraordinary items | $1,146,000 | 2,767 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,146,000 | 2,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 641 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 633 |
| Net operating income | $1,147,280 | 2,717 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,605,000 | 1,701 |
| Total interest expense | $1,866,000 | 1,275 |
| Net interest income | $2,739,000 | 1,963 |
| Provision for loan and lease losses | $318,000 | 727 |
| Total noninterest income | $889,000 | 1,377 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $76,000 | 4,047 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $813,000 | 940 |
| Total noninterest expense | $2,531,000 | 1,667 |
| Salaries and employee benefits | $1,302,000 | 1,776 |
| Premises and equipment expense | $264,000 | 2,242 |
| Additional noninterest expense | $965,000 | 1,284 |
| Pre-tax net operating income | $779,000 | 2,629 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $314,000 | 1,915 |
| Income before extraordinary items | $465,000 | 3,226 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $465,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 384 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 475 |
| Net operating income | $465,000 | 3,186 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,389,000 | 1,967 |
| Total interest expense | $4,996,000 | 1,637 |
| Net interest income | $9,393,000 | 2,170 |
| Provision for loan and lease losses | $4,254,000 | 290 |
| Total noninterest income | $2,462,000 | 1,886 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $406,000 | 3,609 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,056,000 | 1,286 |
| Total noninterest expense | $10,400,000 | 1,567 |
| Salaries and employee benefits | $5,845,000 | 1,518 |
| Premises and equipment expense | $952,000 | 2,396 |
| Additional noninterest expense | $3,603,000 | 1,380 |
| Pre-tax net operating income | $-2,799,000 | 8,926 |
| Securities gains (losses) | $-41,000 | 8,546 |
| Applicable income taxes | $-1,108,000 | 8,939 |
| Income before extraordinary items | $-1,732,000 | 8,903 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,732,000 | 8,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $945,000 | 822 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $4,168,000 | 251 |
| Net operating income | $-1,705,760 | 8,884 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,858,000 | 2,166 |
| Total interest expense | $3,319,000 | 1,807 |
| Net interest income | $6,539,000 | 2,309 |
| Provision for loan and lease losses | $919,000 | 836 |
| Total noninterest income | $1,569,000 | 2,143 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $317,000 | 3,525 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,252,000 | 1,511 |
| Total noninterest expense | $7,419,000 | 1,636 |
| Salaries and employee benefits | $4,365,000 | 1,519 |
| Premises and equipment expense | $678,000 | 2,500 |
| Additional noninterest expense | $2,376,000 | 1,535 |
| Pre-tax net operating income | $-230,000 | 8,666 |
| Securities gains (losses) | $-15,000 | 8,589 |
| Applicable income taxes | $-75,000 | 8,834 |
| Income before extraordinary items | $-170,000 | 8,660 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-170,000 | 8,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,177 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $4,215,000 | 177 |
| Net operating income | $-159,650 | 8,628 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,991,000 | 2,358 |
| Total interest expense | $1,977,000 | 1,989 |
| Net interest income | $4,014,000 | 2,482 |
| Provision for loan and lease losses | $535,000 | 925 |
| Total noninterest income | $906,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $236,000 | 3,269 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $670,000 | 1,778 |
| Total noninterest expense | $3,938,000 | 2,021 |
| Salaries and employee benefits | $1,982,000 | 2,190 |
| Premises and equipment expense | $438,000 | 2,562 |
| Additional noninterest expense | $1,518,000 | 1,592 |
| Pre-tax net operating income | $447,000 | 5,587 |
| Securities gains (losses) | $-3,000 | 8,495 |
| Applicable income taxes | $194,000 | 3,842 |
| Income before extraordinary items | $250,000 | 6,446 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 6,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 1,650 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $3,186,000 | 128 |
| Net operating income | $251,920 | 6,339 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 2,525 |
| Total interest expense | $911,000 | 2,183 |
| Net interest income | $1,859,000 | 2,658 |
| Provision for loan and lease losses | $72,000 | 2,735 |
| Total noninterest income | $538,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $450,000 | 1,394 |
| Total noninterest expense | $1,807,000 | 2,208 |
| Salaries and employee benefits | $939,000 | 2,319 |
| Premises and equipment expense | $204,000 | 2,769 |
| Additional noninterest expense | $664,000 | 1,790 |
| Pre-tax net operating income | $518,000 | 3,427 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $214,000 | 2,459 |
| Income before extraordinary items | $301,000 | 4,254 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $301,000 | 4,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,651,000 | 102 |
| Net operating income | $302,920 | 4,123 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,203,000 | 3,366 |
| Total interest expense | $2,992,000 | 2,875 |
| Net interest income | $5,211,000 | 3,576 |
| Provision for loan and lease losses | $1,068,000 | 1,120 |
| Total noninterest income | $1,342,000 | 3,062 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $347,000 | 3,974 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $995,000 | 2,396 |
| Total noninterest expense | $5,333,000 | 2,896 |
| Salaries and employee benefits | $2,427,000 | 3,340 |
| Premises and equipment expense | $576,000 | 3,645 |
| Additional noninterest expense | $2,330,000 | 2,068 |
| Pre-tax net operating income | $152,000 | 7,991 |
| Securities gains (losses) | $16,000 | 3,357 |
| Applicable income taxes | $-781,000 | 9,120 |
| Income before extraordinary items | $949,000 | 4,793 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $949,000 | 4,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 2,047 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,799,000 | 295 |
| Net operating income | $933,000 | 4,678 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,801,000 | 3,580 |
| Total interest expense | $2,167,000 | 3,068 |
| Net interest income | $3,634,000 | 3,792 |
| Provision for loan and lease losses | $774,000 | 1,121 |
| Total noninterest income | $1,011,000 | 3,110 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $290,000 | 3,730 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $721,000 | 2,507 |
| Total noninterest expense | $3,485,000 | 3,246 |
| Salaries and employee benefits | $1,598,000 | 3,717 |
| Premises and equipment expense | $387,000 | 3,954 |
| Additional noninterest expense | $1,500,000 | 2,395 |
| Pre-tax net operating income | $386,000 | 6,761 |
| Securities gains (losses) | $16,000 | 3,083 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $402,000 | 6,340 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $402,000 | 6,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,020 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $386,000 | 6,260 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,629,000 | 3,772 |
| Total interest expense | $1,393,000 | 3,266 |
| Net interest income | $2,236,000 | 4,040 |
| Provision for loan and lease losses | $635,000 | 944 |
| Total noninterest income | $583,000 | 3,415 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $163,000 | 4,107 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $420,000 | 2,719 |
| Total noninterest expense | $2,160,000 | 3,459 |
| Salaries and employee benefits | $952,000 | 4,075 |
| Premises and equipment expense | $251,000 | 4,030 |
| Additional noninterest expense | $957,000 | 2,462 |
| Pre-tax net operating income | $24,000 | 8,530 |
| Securities gains (losses) | $14,000 | 2,789 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $38,000 | 8,523 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $38,000 | 8,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,877 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $24,000 | 8,498 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 4,168 |
| Total interest expense | $646,000 | 3,541 |
| Net interest income | $984,000 | 4,453 |
| Provision for loan and lease losses | $205,000 | 1,334 |
| Total noninterest income | $213,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $175,000 | 2,949 |
| Total noninterest expense | $993,000 | 3,690 |
| Salaries and employee benefits | $434,000 | 4,363 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $439,000 | 2,628 |
| Pre-tax net operating income | $-1,000 | 8,718 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $2,000 | 8,736 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,620 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-1,000 | 8,669 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 5,368 |
| Total interest expense | $1,983,000 | 4,820 |
| Net interest income | $2,737,000 | 5,606 |
| Provision for loan and lease losses | $543,000 | 2,251 |
| Total noninterest income | $1,059,000 | 3,343 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $38,000 | 7,719 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,021,000 | 2,148 |
| Total noninterest expense | $3,453,000 | 4,013 |
| Salaries and employee benefits | $1,570,000 | 4,520 |
| Premises and equipment expense | $373,000 | 4,879 |
| Additional noninterest expense | $1,510,000 | 2,945 |
| Pre-tax net operating income | $-200,000 | 8,832 |
| Securities gains (losses) | $34,000 | 2,728 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-166,000 | 8,882 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-166,000 | 8,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,779 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $5,833,000 | 132 |
| Net operating income | $-200,000 | 8,852 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $834,000 | 9,263 |
| Total interest expense | $335,000 | 9,242 |
| Net interest income | $499,000 | 9,191 |
| Provision for loan and lease losses | $332,000 | 3,008 |
| Total noninterest income | $323,000 | 6,222 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $4,000 | 8,325 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $319,000 | 3,979 |
| Total noninterest expense | $2,567,000 | 4,875 |
| Salaries and employee benefits | $796,000 | 6,787 |
| Premises and equipment expense | $214,000 | 6,589 |
| Additional noninterest expense | $1,557,000 | 2,778 |
| Pre-tax net operating income | $-2,077,000 | 9,492 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-2,078,000 | 9,528 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-2,078,000 | 9,529 |
| 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 | $7,594,000 | 106 |
| Net operating income | $-2,077,000 | 9,506 |
* 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.