Home > Mainstreet Savings Bank, FSB > Income and Expense
Mainstreet Savings Bank, FSB, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,169,000 | 5,333 |
| Total interest expense | $598,000 | 5,080 |
| Net interest income | $1,571,000 | 5,313 |
| Provision for loan and lease losses | $315,000 | 3,528 |
| Total noninterest income | $135,000 | 5,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $135,000 | 4,158 |
| Total noninterest expense | $2,354,000 | 3,790 |
| Salaries and employee benefits | $912,000 | 4,534 |
| Premises and equipment expense | $380,000 | 3,167 |
| Additional noninterest expense | $1,062,000 | 3,034 |
| Pre-tax net operating income | $-963,000 | 6,994 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-963,000 | 7,080 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-963,000 | 7,079 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-963,000 | 7,080 |
| Net charge-offs | $517,000 | 2,407 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-963,000 | 7,048 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,083,000 | 5,395 |
| Total interest expense | $311,000 | 5,122 |
| Net interest income | $772,000 | 5,395 |
| Provision for loan and lease losses | $113,000 | 3,814 |
| Total noninterest income | $30,000 | 6,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 5,438 |
| Total noninterest expense | $1,144,000 | 3,893 |
| Salaries and employee benefits | $461,000 | 4,573 |
| Premises and equipment expense | $196,000 | 3,173 |
| Additional noninterest expense | $487,000 | 3,258 |
| Pre-tax net operating income | $-455,000 | 7,148 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-455,000 | 7,225 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-455,000 | 7,226 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-455,000 | 7,226 |
| Net charge-offs | $316,000 | 1,984 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-455,000 | 7,208 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,177,000 | 5,039 |
| Total interest expense | $2,094,000 | 4,317 |
| Net interest income | $3,083,000 | 5,310 |
| Provision for loan and lease losses | $2,345,000 | 2,273 |
| Total noninterest income | $703,000 | 4,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $703,000 | 2,658 |
| Total noninterest expense | $4,458,000 | 4,037 |
| Salaries and employee benefits | $1,751,000 | 4,738 |
| Premises and equipment expense | $734,000 | 3,338 |
| Additional noninterest expense | $1,973,000 | 3,349 |
| Pre-tax net operating income | $-3,017,000 | 6,896 |
| Securities gains (losses) | $43,000 | 2,714 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-2,974,000 | 6,990 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,974,000 | 6,989 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,974,000 | 6,989 |
| Net charge-offs | $2,325,000 | 1,862 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,017,000 | 7,000 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 4,980 |
| Total interest expense | $1,718,000 | 4,230 |
| Net interest income | $2,331,000 | 5,316 |
| Provision for loan and lease losses | $603,000 | 3,510 |
| Total noninterest income | $556,000 | 3,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $556,000 | 2,642 |
| Total noninterest expense | $3,178,000 | 4,190 |
| Salaries and employee benefits | $1,324,000 | 4,754 |
| Premises and equipment expense | $552,000 | 3,377 |
| Additional noninterest expense | $1,302,000 | 3,650 |
| Pre-tax net operating income | $-894,000 | 6,599 |
| Securities gains (losses) | $33,000 | 2,514 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-861,000 | 6,668 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-861,000 | 6,670 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-861,000 | 6,670 |
| Net charge-offs | $515,000 | 3,005 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-894,000 | 6,682 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,767,000 | 4,948 |
| Total interest expense | $1,227,000 | 4,187 |
| Net interest income | $1,540,000 | 5,350 |
| Provision for loan and lease losses | $304,000 | 3,661 |
| Total noninterest income | $242,000 | 4,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $242,000 | 3,355 |
| Total noninterest expense | $2,093,000 | 4,265 |
| Salaries and employee benefits | $890,000 | 4,778 |
| Premises and equipment expense | $370,000 | 3,384 |
| Additional noninterest expense | $833,000 | 3,763 |
| Pre-tax net operating income | $-615,000 | 6,737 |
| Securities gains (losses) | $23,000 | 2,272 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-592,000 | 6,847 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-592,000 | 6,847 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-592,000 | 6,847 |
| Net charge-offs | $276,000 | 3,037 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-615,000 | 6,861 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,412,000 | 4,927 |
| Total interest expense | $643,000 | 4,183 |
| Net interest income | $769,000 | 5,334 |
| Provision for loan and lease losses | $167,000 | 3,087 |
| Total noninterest income | $119,000 | 4,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $119,000 | 3,373 |
| Total noninterest expense | $1,046,000 | 4,171 |
| Salaries and employee benefits | $448,000 | 4,805 |
| Premises and equipment expense | $182,000 | 3,475 |
| Additional noninterest expense | $416,000 | 3,469 |
| Pre-tax net operating income | $-325,000 | 7,102 |
| Securities gains (losses) | $16,000 | 1,773 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-309,000 | 7,219 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-309,000 | 7,219 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-309,000 | 7,220 |
| Net charge-offs | $163,000 | 2,336 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-325,000 | 7,197 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,219,000 | 4,839 |
| Total interest expense | $3,409,000 | 3,905 |
| Net interest income | $2,810,000 | 5,593 |
| Provision for loan and lease losses | $1,109,000 | 2,556 |
| Total noninterest income | $597,000 | 4,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $597,000 | 2,897 |
| Total noninterest expense | $4,060,000 | 4,189 |
| Salaries and employee benefits | $1,875,000 | 4,669 |
| Premises and equipment expense | $821,000 | 3,118 |
| Additional noninterest expense | $1,364,000 | 3,880 |
| Pre-tax net operating income | $-1,762,000 | 7,290 |
| Securities gains (losses) | $-72,000 | 7,206 |
| Applicable income taxes | $2,000 | 4,800 |
| Income before extraordinary items | $-1,836,000 | 7,326 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,836,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $580,000 | 2,600 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,764,000 | 7,406 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,747,000 | 4,861 |
| Total interest expense | $2,752,000 | 3,830 |
| Net interest income | $1,995,000 | 5,802 |
| Provision for loan and lease losses | $382,000 | 3,147 |
| Total noninterest income | $418,000 | 4,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $418,000 | 3,111 |
| Total noninterest expense | $2,987,000 | 4,235 |
| Salaries and employee benefits | $1,433,000 | 4,625 |
| Premises and equipment expense | $615,000 | 3,127 |
| Additional noninterest expense | $939,000 | 4,072 |
| Pre-tax net operating income | $-956,000 | 7,507 |
| Securities gains (losses) | $-80,000 | 7,510 |
| Applicable income taxes | $2,000 | 5,168 |
| Income before extraordinary items | $-1,038,000 | 7,521 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,038,000 | 7,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,630 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-958,000 | 7,597 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,270,000 | 4,816 |
| Total interest expense | $1,952,000 | 3,805 |
| Net interest income | $1,318,000 | 5,833 |
| Provision for loan and lease losses | $135,000 | 3,809 |
| Total noninterest income | $260,000 | 4,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $260,000 | 3,282 |
| Total noninterest expense | $1,940,000 | 4,338 |
| Salaries and employee benefits | $951,000 | 4,690 |
| Premises and equipment expense | $423,000 | 3,065 |
| Additional noninterest expense | $566,000 | 4,359 |
| Pre-tax net operating income | $-497,000 | 7,607 |
| Securities gains (losses) | $-87,000 | 8,255 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $-586,000 | 7,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-586,000 | 7,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,084 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-499,000 | 7,675 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 4,829 |
| Total interest expense | $1,042,000 | 3,802 |
| Net interest income | $646,000 | 5,910 |
| Provision for loan and lease losses | $80,000 | 3,055 |
| Total noninterest income | $132,000 | 4,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $132,000 | 3,267 |
| Total noninterest expense | $974,000 | 4,314 |
| Salaries and employee benefits | $484,000 | 4,665 |
| Premises and equipment expense | $222,000 | 2,948 |
| Additional noninterest expense | $268,000 | 4,465 |
| Pre-tax net operating income | $-276,000 | 7,877 |
| Securities gains (losses) | $-21,000 | 8,369 |
| Applicable income taxes | $2,000 | 5,366 |
| Income before extraordinary items | $-299,000 | 7,982 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-299,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,651 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-278,000 | 7,926 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,935,000 | 4,760 |
| Total interest expense | $4,344,000 | 3,803 |
| Net interest income | $2,591,000 | 5,880 |
| Provision for loan and lease losses | $258,000 | 3,456 |
| Total noninterest income | $648,000 | 4,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $648,000 | 2,885 |
| Total noninterest expense | $3,765,000 | 4,308 |
| Salaries and employee benefits | $1,837,000 | 4,678 |
| Premises and equipment expense | $873,000 | 2,877 |
| Additional noninterest expense | $1,055,000 | 4,476 |
| Pre-tax net operating income | $-784,000 | 7,956 |
| Securities gains (losses) | $22,000 | 1,079 |
| Applicable income taxes | $374,000 | 3,110 |
| Income before extraordinary items | $-1,136,000 | 8,146 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,136,000 | 8,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 2,352 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,158,000 | 8,139 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 4,771 |
| Total interest expense | $3,246,000 | 3,829 |
| Net interest income | $1,979,000 | 5,872 |
| Provision for loan and lease losses | $173,000 | 3,280 |
| Total noninterest income | $486,000 | 4,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $486,000 | 2,900 |
| Total noninterest expense | $2,818,000 | 4,282 |
| Salaries and employee benefits | $1,380,000 | 4,633 |
| Premises and equipment expense | $661,000 | 2,841 |
| Additional noninterest expense | $777,000 | 4,466 |
| Pre-tax net operating income | $-526,000 | 8,092 |
| Securities gains (losses) | $22,000 | 807 |
| Applicable income taxes | $-169,000 | 8,299 |
| Income before extraordinary items | $-335,000 | 8,027 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-335,000 | 8,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,302 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-349,520 | 8,029 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,465,000 | 4,793 |
| Total interest expense | $2,147,000 | 3,845 |
| Net interest income | $1,318,000 | 5,904 |
| Provision for loan and lease losses | $128,000 | 2,876 |
| Total noninterest income | $313,000 | 4,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $313,000 | 2,946 |
| Total noninterest expense | $1,897,000 | 4,284 |
| Salaries and employee benefits | $939,000 | 4,616 |
| Premises and equipment expense | $457,000 | 2,771 |
| Additional noninterest expense | $501,000 | 4,577 |
| Pre-tax net operating income | $-394,000 | 8,221 |
| Securities gains (losses) | $19,000 | 721 |
| Applicable income taxes | $-126,000 | 8,407 |
| Income before extraordinary items | $-249,000 | 8,159 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-249,000 | 8,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,861 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-261,540 | 8,156 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,739,000 | 4,772 |
| Total interest expense | $1,047,000 | 3,884 |
| Net interest income | $692,000 | 5,784 |
| Provision for loan and lease losses | $32,000 | 3,691 |
| Total noninterest income | $168,000 | 4,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $168,000 | 2,824 |
| Total noninterest expense | $957,000 | 4,268 |
| Salaries and employee benefits | $480,000 | 4,572 |
| Premises and equipment expense | $229,000 | 2,795 |
| Additional noninterest expense | $248,000 | 4,564 |
| Pre-tax net operating income | $-129,000 | 8,196 |
| Securities gains (losses) | $7,000 | 755 |
| Applicable income taxes | $-41,000 | 8,392 |
| Income before extraordinary items | $-81,000 | 8,135 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-81,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,465 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-85,620 | 8,135 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,529,000 | 4,750 |
| Total interest expense | $3,733,000 | 3,759 |
| Net interest income | $2,796,000 | 5,728 |
| Provision for loan and lease losses | $162,000 | 3,925 |
| Total noninterest income | $565,000 | 4,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $565,000 | 3,126 |
| Total noninterest expense | $3,702,000 | 4,204 |
| Salaries and employee benefits | $1,840,000 | 4,544 |
| Premises and equipment expense | $875,000 | 2,777 |
| Additional noninterest expense | $987,000 | 4,555 |
| Pre-tax net operating income | $-503,000 | 8,264 |
| Securities gains (losses) | $40,000 | 728 |
| Applicable income taxes | $-155,000 | 8,423 |
| Income before extraordinary items | $-308,000 | 8,201 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-308,000 | 8,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,431 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-334,800 | 8,210 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,788,000 | 4,804 |
| Total interest expense | $2,683,000 | 3,788 |
| Net interest income | $2,105,000 | 5,772 |
| Provision for loan and lease losses | $117,000 | 3,859 |
| Total noninterest income | $386,000 | 5,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $386,000 | 3,271 |
| Total noninterest expense | $2,749,000 | 4,228 |
| Salaries and employee benefits | $1,372,000 | 4,535 |
| Premises and equipment expense | $653,000 | 2,801 |
| Additional noninterest expense | $724,000 | 4,593 |
| Pre-tax net operating income | $-375,000 | 8,382 |
| Securities gains (losses) | $33,000 | 652 |
| Applicable income taxes | $-114,000 | 8,573 |
| Income before extraordinary items | $-228,000 | 8,337 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-228,000 | 8,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,128 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-250,110 | 8,344 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 4,838 |
| Total interest expense | $1,672,000 | 3,845 |
| Net interest income | $1,439,000 | 5,724 |
| Provision for loan and lease losses | $87,000 | 3,632 |
| Total noninterest income | $268,000 | 4,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $268,000 | 3,209 |
| Total noninterest expense | $1,833,000 | 4,241 |
| Salaries and employee benefits | $918,000 | 4,548 |
| Premises and equipment expense | $434,000 | 2,792 |
| Additional noninterest expense | $481,000 | 4,603 |
| Pre-tax net operating income | $-213,000 | 8,417 |
| Securities gains (losses) | $22,000 | 587 |
| Applicable income taxes | $-70,000 | 8,598 |
| Income before extraordinary items | $-121,000 | 8,363 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-121,000 | 8,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-135,080 | 8,373 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 4,886 |
| Total interest expense | $790,000 | 3,848 |
| Net interest income | $716,000 | 5,742 |
| Provision for loan and lease losses | $47,000 | 3,226 |
| Total noninterest income | $143,000 | 4,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $143,000 | 3,060 |
| Total noninterest expense | $909,000 | 4,287 |
| Salaries and employee benefits | $471,000 | 4,468 |
| Premises and equipment expense | $207,000 | 2,939 |
| Additional noninterest expense | $231,000 | 4,705 |
| Pre-tax net operating income | $-97,000 | 8,437 |
| Securities gains (losses) | $4,000 | 719 |
| Applicable income taxes | $-34,000 | 8,617 |
| Income before extraordinary items | $-59,000 | 8,403 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-59,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-61,560 | 8,400 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,224,000 | 5,011 |
| Total interest expense | $2,260,000 | 4,086 |
| Net interest income | $2,964,000 | 5,551 |
| Provision for loan and lease losses | $102,000 | 4,778 |
| Total noninterest income | $533,000 | 5,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $533,000 | 3,253 |
| Total noninterest expense | $3,652,000 | 4,153 |
| Salaries and employee benefits | $1,888,000 | 4,301 |
| Premises and equipment expense | $818,000 | 2,842 |
| Additional noninterest expense | $946,000 | 4,600 |
| Pre-tax net operating income | $-257,000 | 8,411 |
| Securities gains (losses) | $64,000 | 854 |
| Applicable income taxes | $-73,000 | 8,582 |
| Income before extraordinary items | $-120,000 | 8,377 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-120,000 | 8,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,038 |
| Cash dividends | $87,000 | 5,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-160,960 | 8,377 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,797,000 | 5,080 |
| Total interest expense | $1,574,000 | 4,162 |
| Net interest income | $2,223,000 | 5,556 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $416,000 | 5,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $416,000 | 3,210 |
| Total noninterest expense | $2,751,000 | 4,101 |
| Salaries and employee benefits | $1,441,000 | 4,212 |
| Premises and equipment expense | $620,000 | 2,792 |
| Additional noninterest expense | $690,000 | 4,668 |
| Pre-tax net operating income | $-139,000 | 8,452 |
| Securities gains (losses) | $55,000 | 846 |
| Applicable income taxes | $-33,000 | 8,659 |
| Income before extraordinary items | $-51,000 | 8,413 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-51,000 | 8,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-86,200 | 8,410 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,459,000 | 5,108 |
| Total interest expense | $974,000 | 4,212 |
| Net interest income | $1,485,000 | 5,527 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $263,000 | 5,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $263,000 | 3,299 |
| Total noninterest expense | $1,800,000 | 4,146 |
| Salaries and employee benefits | $948,000 | 4,245 |
| Premises and equipment expense | $417,000 | 2,734 |
| Additional noninterest expense | $435,000 | 4,833 |
| Pre-tax net operating income | $-72,000 | 8,453 |
| Securities gains (losses) | $37,000 | 896 |
| Applicable income taxes | $-14,000 | 8,639 |
| Income before extraordinary items | $-21,000 | 8,425 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-21,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-44,680 | 8,427 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,190,000 | 5,202 |
| Total interest expense | $453,000 | 4,318 |
| Net interest income | $737,000 | 5,584 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $124,000 | 5,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $124,000 | 3,332 |
| Total noninterest expense | $902,000 | 4,159 |
| Salaries and employee benefits | $481,000 | 4,218 |
| Premises and equipment expense | $209,000 | 2,768 |
| Additional noninterest expense | $212,000 | 4,893 |
| Pre-tax net operating income | $-50,000 | 8,580 |
| Securities gains (losses) | $19,000 | 812 |
| Applicable income taxes | $-10,000 | 8,703 |
| Income before extraordinary items | $-21,000 | 8,530 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-21,000 | 8,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-33,920 | 8,533 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,713,000 | 5,044 |
| Total interest expense | $1,683,000 | 4,173 |
| Net interest income | $3,030,000 | 5,382 |
| Provision for loan and lease losses | $9,000 | 7,075 |
| Total noninterest income | $624,000 | 4,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $624,000 | 2,913 |
| Total noninterest expense | $3,560,000 | 4,116 |
| Salaries and employee benefits | $1,851,000 | 4,245 |
| Premises and equipment expense | $811,000 | 2,761 |
| Additional noninterest expense | $898,000 | 4,713 |
| Pre-tax net operating income | $85,000 | 8,152 |
| Securities gains (losses) | $78,000 | 1,421 |
| Applicable income taxes | $57,000 | 5,970 |
| Income before extraordinary items | $106,000 | 8,065 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $106,000 | 8,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,442 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $55,300 | 8,218 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,522,000 | 5,040 |
| Total interest expense | $1,260,000 | 4,127 |
| Net interest income | $2,262,000 | 5,388 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $455,000 | 4,793 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $455,000 | 2,966 |
| Total noninterest expense | $2,654,000 | 4,103 |
| Salaries and employee benefits | $1,383,000 | 4,232 |
| Premises and equipment expense | $606,000 | 2,755 |
| Additional noninterest expense | $665,000 | 4,711 |
| Pre-tax net operating income | $-27,000 | 8,521 |
| Securities gains (losses) | $69,000 | 1,425 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $26,000 | 8,413 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $26,000 | 8,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,247 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-18,160 | 8,505 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 5,035 |
| Total interest expense | $841,000 | 4,128 |
| Net interest income | $1,515,000 | 5,366 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $295,000 | 4,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $295,000 | 3,015 |
| Total noninterest expense | $1,784,000 | 4,104 |
| Salaries and employee benefits | $939,000 | 4,171 |
| Premises and equipment expense | $403,000 | 2,774 |
| Additional noninterest expense | $442,000 | 4,742 |
| Pre-tax net operating income | $-34,000 | 8,609 |
| Securities gains (losses) | $67,000 | 1,274 |
| Applicable income taxes | $14,000 | 6,499 |
| Income before extraordinary items | $19,000 | 8,466 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $19,000 | 8,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-23,880 | 8,587 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,199,000 | 5,002 |
| Total interest expense | $424,000 | 4,152 |
| Net interest income | $775,000 | 5,313 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $132,000 | 5,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $132,000 | 3,164 |
| Total noninterest expense | $897,000 | 4,101 |
| Salaries and employee benefits | $480,000 | 4,144 |
| Premises and equipment expense | $199,000 | 2,824 |
| Additional noninterest expense | $218,000 | 4,763 |
| Pre-tax net operating income | $-20,000 | 8,649 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $-4,000 | 8,620 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-4,000 | 8,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-23,000 | 8,651 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,910,000 | 4,953 |
| Total interest expense | $1,999,000 | 4,031 |
| Net interest income | $2,911,000 | 5,407 |
| Provision for loan and lease losses | $50,000 | 6,256 |
| Total noninterest income | $738,000 | 4,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $738,000 | 2,868 |
| Total noninterest expense | $3,495,000 | 4,121 |
| Salaries and employee benefits | $1,744,000 | 4,357 |
| Premises and equipment expense | $792,000 | 2,785 |
| Additional noninterest expense | $959,000 | 4,412 |
| Pre-tax net operating income | $104,000 | 8,183 |
| Securities gains (losses) | $292,000 | 1,066 |
| Applicable income taxes | $125,000 | 5,487 |
| Income before extraordinary items | $271,000 | 7,417 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $271,000 | 7,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,097 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $72,440 | 8,261 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,736,000 | 4,971 |
| Total interest expense | $1,545,000 | 4,041 |
| Net interest income | $2,191,000 | 5,408 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $560,000 | 4,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $560,000 | 2,938 |
| Total noninterest expense | $2,601,000 | 4,124 |
| Salaries and employee benefits | $1,286,000 | 4,399 |
| Premises and equipment expense | $593,000 | 2,808 |
| Additional noninterest expense | $722,000 | 4,377 |
| Pre-tax net operating income | $110,000 | 8,178 |
| Securities gains (losses) | $260,000 | 1,059 |
| Applicable income taxes | $119,000 | 5,376 |
| Income before extraordinary items | $251,000 | 7,247 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $251,000 | 7,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,239 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $74,200 | 8,277 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,535,000 | 4,945 |
| Total interest expense | $1,051,000 | 4,094 |
| Net interest income | $1,484,000 | 5,363 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $360,000 | 4,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $360,000 | 2,963 |
| Total noninterest expense | $1,733,000 | 4,131 |
| Salaries and employee benefits | $845,000 | 4,449 |
| Premises and equipment expense | $403,000 | 2,744 |
| Additional noninterest expense | $485,000 | 4,347 |
| Pre-tax net operating income | $81,000 | 8,155 |
| Securities gains (losses) | $174,000 | 1,130 |
| Applicable income taxes | $85,000 | 5,338 |
| Income before extraordinary items | $170,000 | 7,253 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $170,000 | 7,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,791 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $53,420 | 8,264 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 4,921 |
| Total interest expense | $530,000 | 4,151 |
| Net interest income | $753,000 | 5,301 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $171,000 | 4,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $171,000 | 2,981 |
| Total noninterest expense | $887,000 | 4,039 |
| Salaries and employee benefits | $437,000 | 4,345 |
| Premises and equipment expense | $204,000 | 2,714 |
| Additional noninterest expense | $246,000 | 4,267 |
| Pre-tax net operating income | $17,000 | 8,494 |
| Securities gains (losses) | $77,000 | 1,141 |
| Applicable income taxes | $32,000 | 5,652 |
| Income before extraordinary items | $62,000 | 7,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $62,000 | 7,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $11,180 | 8,504 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,115,000 | 5,104 |
| Total interest expense | $2,664,000 | 3,900 |
| Net interest income | $2,451,000 | 5,971 |
| Provision for loan and lease losses | $160,000 | 4,794 |
| Total noninterest income | $731,000 | 4,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $731,000 | 2,644 |
| Total noninterest expense | $3,141,000 | 4,314 |
| Salaries and employee benefits | $1,469,000 | 4,765 |
| Premises and equipment expense | $773,000 | 2,751 |
| Additional noninterest expense | $899,000 | 4,548 |
| Pre-tax net operating income | $-119,000 | 8,776 |
| Securities gains (losses) | $192,000 | 1,204 |
| Applicable income taxes | $40,000 | 6,689 |
| Income before extraordinary items | $33,000 | 8,616 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $33,000 | 8,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-89,880 | 8,765 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,013,000 | 4,949 |
| Total interest expense | $3,934,000 | 3,854 |
| Net interest income | $2,079,000 | 6,316 |
| Provision for loan and lease losses | $160,000 | 4,638 |
| Total noninterest income | $726,000 | 4,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $726,000 | 2,523 |
| Total noninterest expense | $3,197,000 | 4,126 |
| Salaries and employee benefits | $1,487,000 | 4,546 |
| Premises and equipment expense | $810,000 | 2,600 |
| Additional noninterest expense | $900,000 | 4,408 |
| Pre-tax net operating income | $-552,000 | 9,190 |
| Securities gains (losses) | $233,000 | 1,075 |
| Applicable income taxes | $-105,000 | 9,269 |
| Income before extraordinary items | $-214,000 | 9,058 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-214,000 | 9,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,715 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-370,110 | 9,118 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,871,000 | 4,660 |
| Total interest expense | $4,312,000 | 3,751 |
| Net interest income | $2,559,000 | 5,718 |
| Provision for loan and lease losses | $176,000 | 4,067 |
| Total noninterest income | $647,000 | 4,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $647,000 | 2,507 |
| Total noninterest expense | $3,206,000 | 4,002 |
| Salaries and employee benefits | $1,410,000 | 4,591 |
| Premises and equipment expense | $892,000 | 2,324 |
| Additional noninterest expense | $904,000 | 4,319 |
| Pre-tax net operating income | $-176,000 | 9,317 |
| Securities gains (losses) | $22,000 | 930 |
| Applicable income taxes | $-45,000 | 9,473 |
| Income before extraordinary items | $-109,000 | 9,283 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-109,000 | 9,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,831 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-124,620 | 9,297 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,603,000 | 4,611 |
| Total interest expense | $4,217,000 | 3,428 |
| Net interest income | $2,386,000 | 5,972 |
| Provision for loan and lease losses | $137,000 | 4,478 |
| Total noninterest income | $458,000 | 5,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $458,000 | 3,124 |
| Total noninterest expense | $3,193,000 | 4,005 |
| Salaries and employee benefits | $1,338,000 | 4,764 |
| Premises and equipment expense | $975,000 | 2,099 |
| Additional noninterest expense | $880,000 | 4,455 |
| Pre-tax net operating income | $-486,000 | 9,837 |
| Securities gains (losses) | $-32,000 | 9,677 |
| Applicable income taxes | $-176,000 | 10,010 |
| Income before extraordinary items | $-342,000 | 9,800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-342,000 | 9,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,985 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-320,880 | 9,761 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,425,000 | 4,728 |
| Total interest expense | $4,303,000 | 3,443 |
| Net interest income | $2,122,000 | 6,450 |
| Provision for loan and lease losses | $122,000 | 4,587 |
| Total noninterest income | $514,000 | 4,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $514,000 | 2,931 |
| Total noninterest expense | $2,737,000 | 4,463 |
| Salaries and employee benefits | $1,416,000 | 4,461 |
| Premises and equipment expense | $887,000 | 2,194 |
| Additional noninterest expense | $434,000 | 6,943 |
| Pre-tax net operating income | $-223,000 | 10,011 |
| Securities gains (losses) | $205,000 | 905 |
| Applicable income taxes | $24,000 | 8,804 |
| Income before extraordinary items | $-42,000 | 9,897 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-42,000 | 9,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,945 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-247,000 | 10,047 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,111,000 | 4,990 |
| Total interest expense | $3,881,000 | 3,790 |
| Net interest income | $2,230,000 | 6,475 |
| Provision for loan and lease losses | $201,000 | 3,418 |
| Total noninterest income | $179,000 | 8,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $179,000 | 5,219 |
| Total noninterest expense | $2,299,000 | 5,102 |
| Salaries and employee benefits | $1,270,000 | 4,862 |
| Premises and equipment expense | $663,000 | 2,879 |
| Additional noninterest expense | $366,000 | 7,658 |
| Pre-tax net operating income | $-91,000 | 10,482 |
| Securities gains (losses) | $114,000 | 933 |
| Applicable income taxes | $-37,000 | 10,596 |
| Income before extraordinary items | $60,000 | 10,180 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $60,000 | 10,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,186 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-54,000 | 10,435 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,898,000 | 5,247 |
| Total interest expense | $3,693,000 | 3,983 |
| Net interest income | $2,205,000 | 6,756 |
| Provision for loan and lease losses | $39,000 | 7,052 |
| Total noninterest income | $295,000 | 7,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $295,000 | 4,116 |
| Total noninterest expense | $2,538,000 | 4,940 |
| Salaries and employee benefits | $1,171,000 | 5,317 |
| Premises and equipment expense | $418,000 | 4,380 |
| Additional noninterest expense | $949,000 | 4,597 |
| Pre-tax net operating income | $-77,000 | 10,927 |
| Securities gains (losses) | $24,000 | 1,866 |
| Applicable income taxes | $-9,000 | 10,946 |
| Income before extraordinary items | $-44,000 | 10,916 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-44,000 | 10,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,845 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-63,920 | 10,901 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,612,000 | 5,503 |
| Total interest expense | $3,332,000 | 4,336 |
| Net interest income | $2,280,000 | 6,726 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $225,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $225,000 | 4,786 |
| Total noninterest expense | $1,794,000 | 6,477 |
| Salaries and employee benefits | $977,000 | 6,178 |
| Premises and equipment expense | $324,000 | 5,312 |
| Additional noninterest expense | $493,000 | 7,308 |
| Pre-tax net operating income | $686,000 | 7,400 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $233,000 | 6,914 |
| Income before extraordinary items | $453,000 | 7,612 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $453,000 | 7,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $453,000 | 7,579 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,512,000 | 6,137 |
| Total interest expense | $2,480,000 | 4,695 |
| Net interest income | $2,032,000 | 7,491 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $181,000 | 9,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $181,000 | 5,600 |
| Total noninterest expense | $1,676,000 | 7,051 |
| Salaries and employee benefits | $932,000 | 6,452 |
| Premises and equipment expense | $306,000 | 5,631 |
| Additional noninterest expense | $438,000 | 8,450 |
| Pre-tax net operating income | $512,000 | 8,574 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $179,000 | 7,729 |
| Income before extraordinary items | $329,000 | 8,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $329,000 | 8,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $331,600 | 8,865 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,293,000 | 6,528 |
| Total interest expense | $2,526,000 | 4,763 |
| Net interest income | $1,767,000 | 8,325 |
| Provision for loan and lease losses | $26,000 | 8,647 |
| Total noninterest income | $181,000 | 9,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $181,000 | 5,974 |
| Total noninterest expense | $1,684,000 | 7,238 |
| Salaries and employee benefits | $875,000 | 6,866 |
| Premises and equipment expense | $313,000 | 5,644 |
| Additional noninterest expense | $496,000 | 8,251 |
| Pre-tax net operating income | $238,000 | 10,713 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $153,000 | 8,564 |
| Income before extraordinary items | $89,000 | 11,912 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $89,000 | 11,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $86,440 | 11,757 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,015,000 | 6,370 |
| Total interest expense | $3,004,000 | 5,158 |
| Net interest income | $2,011,000 | 7,724 |
| Provision for loan and lease losses | $37,000 | 9,631 |
| Total noninterest income | $233,000 | 8,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $233,000 | 5,197 |
| Total noninterest expense | $1,547,000 | 7,749 |
| Salaries and employee benefits | $803,000 | 7,239 |
| Premises and equipment expense | $251,000 | 6,759 |
| Additional noninterest expense | $493,000 | 8,524 |
| Pre-tax net operating income | $660,000 | 7,324 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $247,000 | 6,708 |
| Income before extraordinary items | $413,000 | 8,078 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $413,000 | 8,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 6,617 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $413,000 | 7,737 |
* 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.