Home > Marco Community Bank > Income and Expense
Marco Community Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,196,000 | 4,518 |
| Total interest expense | $2,827,000 | 3,572 |
| Net interest income | $3,369,000 | 5,063 |
| Provision for loan and lease losses | $7,351,000 | 1,086 |
| Total noninterest income | $-932,000 | 7,918 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $139,000 | 5,273 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,071,000 | 7,881 |
| Total noninterest expense | $5,129,000 | 3,610 |
| Salaries and employee benefits | $2,370,000 | 3,848 |
| Premises and equipment expense | $470,000 | 4,544 |
| Additional noninterest expense | $2,289,000 | 2,968 |
| Pre-tax net operating income | $-10,043,000 | 7,489 |
| Securities gains (losses) | $82,000 | 2,295 |
| Applicable income taxes | $4,154,000 | 304 |
| Income before extraordinary items | $-14,115,000 | 7,660 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-14,115,000 | 7,658 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-14,115,000 | 7,659 |
| Net charge-offs | $8,563,000 | 771 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-14,197,000 | 7,659 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,706,000 | 4,552 |
| Total interest expense | $2,336,000 | 3,445 |
| Net interest income | $2,370,000 | 5,263 |
| Provision for loan and lease losses | $4,301,000 | 1,160 |
| Total noninterest income | $-1,173,000 | 8,052 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $91,000 | 5,507 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,264,000 | 8,036 |
| Total noninterest expense | $3,755,000 | 3,683 |
| Salaries and employee benefits | $1,780,000 | 3,888 |
| Premises and equipment expense | $354,000 | 4,577 |
| Additional noninterest expense | $1,621,000 | 3,095 |
| Pre-tax net operating income | $-6,859,000 | 7,610 |
| Securities gains (losses) | $82,000 | 1,966 |
| Applicable income taxes | $-1,799,000 | 7,696 |
| Income before extraordinary items | $-4,978,000 | 7,572 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,978,000 | 7,572 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,978,000 | 7,572 |
| Net charge-offs | $8,578,000 | 567 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,037,860 | 7,590 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,230,000 | 4,497 |
| Total interest expense | $1,626,000 | 3,464 |
| Net interest income | $1,604,000 | 5,216 |
| Provision for loan and lease losses | $4,251,000 | 850 |
| Total noninterest income | $260,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $60,000 | 5,529 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $200,000 | 3,649 |
| Total noninterest expense | $2,266,000 | 4,009 |
| Salaries and employee benefits | $1,095,000 | 4,151 |
| Premises and equipment expense | $237,000 | 4,613 |
| Additional noninterest expense | $934,000 | 3,453 |
| Pre-tax net operating income | $-4,653,000 | 7,722 |
| Securities gains (losses) | $82,000 | 1,618 |
| Applicable income taxes | $-1,720,000 | 7,867 |
| Income before extraordinary items | $-2,851,000 | 7,618 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,851,000 | 7,617 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,851,000 | 7,617 |
| Net charge-offs | $4,300,000 | 652 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,903,480 | 7,636 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 4,509 |
| Total interest expense | $818,000 | 3,557 |
| Net interest income | $814,000 | 5,161 |
| Provision for loan and lease losses | $130,000 | 3,489 |
| Total noninterest income | $11,000 | 7,734 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $26,000 | 5,712 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-15,000 | 8,013 |
| Total noninterest expense | $1,094,000 | 4,039 |
| Salaries and employee benefits | $488,000 | 4,549 |
| Premises and equipment expense | $118,000 | 4,670 |
| Additional noninterest expense | $488,000 | 3,067 |
| Pre-tax net operating income | $-399,000 | 7,200 |
| Securities gains (losses) | $78,000 | 1,107 |
| Applicable income taxes | $-120,000 | 7,592 |
| Income before extraordinary items | $-201,000 | 7,034 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-201,000 | 7,035 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-201,000 | 7,035 |
| Net charge-offs | $1,227,000 | 855 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-250,920 | 7,050 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,702,000 | 4,233 |
| Total interest expense | $4,276,000 | 3,344 |
| Net interest income | $3,426,000 | 5,045 |
| Provision for loan and lease losses | $5,959,000 | 890 |
| Total noninterest income | $-47,000 | 8,171 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 6,156 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-130,000 | 8,149 |
| Total noninterest expense | $5,068,000 | 3,526 |
| Salaries and employee benefits | $2,300,000 | 4,013 |
| Premises and equipment expense | $605,000 | 3,910 |
| Additional noninterest expense | $2,163,000 | 2,665 |
| Pre-tax net operating income | $-7,648,000 | 7,923 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-3,007,000 | 8,019 |
| Income before extraordinary items | $-4,641,000 | 7,791 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,641,000 | 7,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,600,000 | 876 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-4,641,000 | 7,847 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,006,000 | 4,197 |
| Total interest expense | $3,366,000 | 3,326 |
| Net interest income | $2,640,000 | 4,997 |
| Provision for loan and lease losses | $3,155,000 | 874 |
| Total noninterest income | $165,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $58,000 | 6,270 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $107,000 | 5,524 |
| Total noninterest expense | $3,954,000 | 3,411 |
| Salaries and employee benefits | $1,769,000 | 3,980 |
| Premises and equipment expense | $409,000 | 4,246 |
| Additional noninterest expense | $1,776,000 | 2,390 |
| Pre-tax net operating income | $-4,304,000 | 8,097 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,620,000 | 8,149 |
| Income before extraordinary items | $-2,684,000 | 7,977 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,684,000 | 7,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,280,000 | 1,119 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,684,000 | 8,036 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,212,000 | 4,112 |
| Total interest expense | $2,407,000 | 3,280 |
| Net interest income | $1,805,000 | 4,931 |
| Provision for loan and lease losses | $3,005,000 | 600 |
| Total noninterest income | $105,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $36,000 | 6,359 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $69,000 | 5,660 |
| Total noninterest expense | $2,542,000 | 3,520 |
| Salaries and employee benefits | $1,109,000 | 4,186 |
| Premises and equipment expense | $276,000 | 4,225 |
| Additional noninterest expense | $1,157,000 | 2,421 |
| Pre-tax net operating income | $-3,637,000 | 8,257 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,369,000 | 8,302 |
| Income before extraordinary items | $-2,268,000 | 8,238 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,268,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 1,018 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,268,000 | 8,226 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,216,000 | 4,048 |
| Total interest expense | $1,276,000 | 3,303 |
| Net interest income | $940,000 | 4,829 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $55,000 | 6,514 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $19,000 | 6,289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $36,000 | 5,627 |
| Total noninterest expense | $1,240,000 | 3,602 |
| Salaries and employee benefits | $608,000 | 3,930 |
| Premises and equipment expense | $141,000 | 4,177 |
| Additional noninterest expense | $491,000 | 2,764 |
| Pre-tax net operating income | $-345,000 | 7,950 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-130,000 | 8,185 |
| Income before extraordinary items | $-215,000 | 7,864 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-215,000 | 7,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,552 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-215,000 | 7,832 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,023,000 | 3,522 |
| Total interest expense | $5,794,000 | 3,092 |
| Net interest income | $5,229,000 | 3,857 |
| Provision for loan and lease losses | $7,960,000 | 291 |
| Total noninterest income | $277,000 | 6,190 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $81,000 | 6,291 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $196,000 | 5,103 |
| Total noninterest expense | $5,630,000 | 3,129 |
| Salaries and employee benefits | $2,409,000 | 3,835 |
| Premises and equipment expense | $578,000 | 3,943 |
| Additional noninterest expense | $2,643,000 | 2,075 |
| Pre-tax net operating income | $-8,084,000 | 8,466 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-3,052,000 | 8,475 |
| Income before extraordinary items | $-5,032,000 | 8,454 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,032,000 | 8,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,362,000 | 257 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-5,032,000 | 8,449 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,592,000 | 3,422 |
| Total interest expense | $4,434,000 | 3,037 |
| Net interest income | $4,158,000 | 3,728 |
| Provision for loan and lease losses | $5,750,000 | 233 |
| Total noninterest income | $173,000 | 6,567 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $62,000 | 6,296 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $111,000 | 5,616 |
| Total noninterest expense | $3,723,000 | 3,437 |
| Salaries and employee benefits | $1,929,000 | 3,626 |
| Premises and equipment expense | $266,000 | 5,360 |
| Additional noninterest expense | $1,528,000 | 2,573 |
| Pre-tax net operating income | $-5,142,000 | 8,522 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,935,000 | 8,520 |
| Income before extraordinary items | $-3,207,000 | 8,508 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-3,207,000 | 8,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,455,000 | 216 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-3,207,000 | 8,500 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,015,000 | 3,283 |
| Total interest expense | $2,977,000 | 3,032 |
| Net interest income | $3,038,000 | 3,495 |
| Provision for loan and lease losses | $5,295,000 | 166 |
| Total noninterest income | $123,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $43,000 | 6,285 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $80,000 | 5,520 |
| Total noninterest expense | $2,232,000 | 3,793 |
| Salaries and employee benefits | $1,278,000 | 3,688 |
| Premises and equipment expense | $182,000 | 5,314 |
| Additional noninterest expense | $772,000 | 3,286 |
| Pre-tax net operating income | $-4,366,000 | 8,594 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-1,643,000 | 8,592 |
| Income before extraordinary items | $-2,723,000 | 8,587 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,723,000 | 8,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,381,000 | 157 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-2,723,000 | 8,575 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,043,000 | 3,242 |
| Total interest expense | $1,479,000 | 3,022 |
| Net interest income | $1,564,000 | 3,430 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $73,000 | 6,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $51,000 | 5,068 |
| Total noninterest expense | $1,105,000 | 3,818 |
| Salaries and employee benefits | $659,000 | 3,619 |
| Premises and equipment expense | $143,000 | 3,992 |
| Additional noninterest expense | $303,000 | 3,941 |
| Pre-tax net operating income | $532,000 | 3,382 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $200,000 | 2,397 |
| Income before extraordinary items | $332,000 | 3,942 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $332,000 | 3,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $332,000 | 3,922 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,129,000 | 3,059 |
| Total interest expense | $5,028,000 | 3,012 |
| Net interest income | $7,101,000 | 3,065 |
| Provision for loan and lease losses | $348,000 | 2,542 |
| Total noninterest income | $309,000 | 6,124 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $79,000 | 6,454 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $230,000 | 4,852 |
| Total noninterest expense | $3,612,000 | 4,299 |
| Salaries and employee benefits | $1,997,000 | 4,268 |
| Premises and equipment expense | $471,000 | 4,440 |
| Additional noninterest expense | $1,144,000 | 4,092 |
| Pre-tax net operating income | $3,450,000 | 2,512 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,298,000 | 1,866 |
| Income before extraordinary items | $2,152,000 | 2,941 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,152,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,152,000 | 2,936 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,033,000 | 3,058 |
| Total interest expense | $3,632,000 | 3,022 |
| Net interest income | $5,401,000 | 3,057 |
| Provision for loan and lease losses | $348,000 | 1,913 |
| Total noninterest income | $232,000 | 6,178 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $60,000 | 6,508 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $172,000 | 4,857 |
| Total noninterest expense | $2,682,000 | 4,309 |
| Salaries and employee benefits | $1,480,000 | 4,280 |
| Premises and equipment expense | $340,000 | 4,548 |
| Additional noninterest expense | $862,000 | 4,043 |
| Pre-tax net operating income | $2,603,000 | 2,573 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $979,000 | 1,912 |
| Income before extraordinary items | $1,624,000 | 3,024 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,624,000 | 3,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,624,000 | 3,018 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,018,000 | 3,017 |
| Total interest expense | $2,342,000 | 2,986 |
| Net interest income | $3,676,000 | 3,011 |
| Provision for loan and lease losses | $348,000 | 1,319 |
| Total noninterest income | $143,000 | 6,324 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $40,000 | 6,539 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $103,000 | 5,064 |
| Total noninterest expense | $1,742,000 | 4,415 |
| Salaries and employee benefits | $941,000 | 4,463 |
| Premises and equipment expense | $174,000 | 5,339 |
| Additional noninterest expense | $627,000 | 3,785 |
| Pre-tax net operating income | $1,729,000 | 2,584 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $650,000 | 1,949 |
| Income before extraordinary items | $1,079,000 | 3,035 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,079,000 | 3,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,079,000 | 3,027 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,922,000 | 3,039 |
| Total interest expense | $1,073,000 | 3,072 |
| Net interest income | $1,849,000 | 2,983 |
| Provision for loan and lease losses | $279,000 | 848 |
| Total noninterest income | $64,000 | 6,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $854,000 | 4,484 |
| Salaries and employee benefits | $453,000 | 4,613 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $312,000 | 3,792 |
| Pre-tax net operating income | $780,000 | 2,759 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $293,000 | 2,058 |
| Income before extraordinary items | $487,000 | 3,231 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $487,000 | 3,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $487,000 | 3,208 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,449,000 | 3,594 |
| Total interest expense | $2,661,000 | 3,658 |
| Net interest income | $5,788,000 | 3,527 |
| Provision for loan and lease losses | $620,000 | 1,585 |
| Total noninterest income | $341,000 | 6,075 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $59,000 | 6,939 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $282,000 | 4,471 |
| Total noninterest expense | $3,002,000 | 4,763 |
| Salaries and employee benefits | $1,630,000 | 4,793 |
| Premises and equipment expense | $397,000 | 4,881 |
| Additional noninterest expense | $975,000 | 4,502 |
| Pre-tax net operating income | $2,507,000 | 3,153 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $945,000 | 2,333 |
| Income before extraordinary items | $1,562,000 | 3,690 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,562,000 | 3,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,562,000 | 3,664 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,005,000 | 3,709 |
| Total interest expense | $1,882,000 | 3,672 |
| Net interest income | $4,123,000 | 3,666 |
| Provision for loan and lease losses | $301,000 | 2,188 |
| Total noninterest income | $240,000 | 6,223 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $43,000 | 7,015 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $197,000 | 4,633 |
| Total noninterest expense | $2,196,000 | 4,820 |
| Salaries and employee benefits | $1,182,000 | 4,866 |
| Premises and equipment expense | $295,000 | 4,902 |
| Additional noninterest expense | $719,000 | 4,538 |
| Pre-tax net operating income | $1,866,000 | 3,214 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $702,000 | 2,388 |
| Income before extraordinary items | $1,164,000 | 3,751 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,164,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,164,000 | 3,715 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,722,000 | 3,844 |
| Total interest expense | $1,157,000 | 3,723 |
| Net interest income | $2,565,000 | 3,846 |
| Provision for loan and lease losses | $224,000 | 1,977 |
| Total noninterest income | $152,000 | 6,315 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $25,000 | 7,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $127,000 | 4,680 |
| Total noninterest expense | $1,384,000 | 5,014 |
| Salaries and employee benefits | $711,000 | 5,196 |
| Premises and equipment expense | $182,000 | 5,135 |
| Additional noninterest expense | $491,000 | 4,434 |
| Pre-tax net operating income | $1,109,000 | 3,442 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $417,000 | 2,545 |
| Income before extraordinary items | $692,000 | 4,023 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $692,000 | 4,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $692,000 | 3,963 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,731,000 | 4,042 |
| Total interest expense | $558,000 | 3,712 |
| Net interest income | $1,173,000 | 4,136 |
| Provision for loan and lease losses | $126,000 | 1,668 |
| Total noninterest income | $62,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $662,000 | 5,194 |
| Salaries and employee benefits | $330,000 | 5,478 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $244,000 | 4,430 |
| Pre-tax net operating income | $447,000 | 3,979 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $168,000 | 2,893 |
| Income before extraordinary items | $279,000 | 4,573 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $279,000 | 4,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $279,000 | 4,530 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,492,000 | 5,976 |
| Total interest expense | $1,167,000 | 5,194 |
| Net interest income | $2,325,000 | 6,211 |
| Provision for loan and lease losses | $852,000 | 1,212 |
| Total noninterest income | $92,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $47,000 | 7,344 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $45,000 | 7,534 |
| Total noninterest expense | $1,587,000 | 6,733 |
| Salaries and employee benefits | $837,000 | 6,816 |
| Premises and equipment expense | $202,000 | 6,741 |
| Additional noninterest expense | $548,000 | 6,289 |
| Pre-tax net operating income | $-22,000 | 8,421 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-8,000 | 8,572 |
| Income before extraordinary items | $-14,000 | 8,454 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-14,000 | 8,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-14,000 | 8,421 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 6,709 |
| Total interest expense | $691,000 | 5,869 |
| Net interest income | $1,341,000 | 6,924 |
| Provision for loan and lease losses | $696,000 | 1,090 |
| Total noninterest income | $43,000 | 8,572 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $24,000 | 7,583 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 8,106 |
| Total noninterest expense | $1,069,000 | 6,992 |
| Salaries and employee benefits | $564,000 | 7,067 |
| Premises and equipment expense | $166,000 | 6,493 |
| Additional noninterest expense | $339,000 | 6,806 |
| Pre-tax net operating income | $-381,000 | 8,730 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-143,000 | 8,887 |
| Income before extraordinary items | $-238,000 | 8,707 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-238,000 | 8,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-238,000 | 8,678 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $997,000 | 7,451 |
| Total interest expense | $317,000 | 6,862 |
| Net interest income | $680,000 | 7,561 |
| Provision for loan and lease losses | $476,000 | 1,056 |
| Total noninterest income | $20,000 | 8,760 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $10,000 | 7,758 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,299 |
| Total noninterest expense | $680,000 | 7,169 |
| Salaries and employee benefits | $340,000 | 7,372 |
| Premises and equipment expense | $80,000 | 7,223 |
| Additional noninterest expense | $260,000 | 6,416 |
| Pre-tax net operating income | $-456,000 | 8,882 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-171,000 | 8,980 |
| Income before extraordinary items | $-285,000 | 8,845 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-285,000 | 8,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-285,000 | 8,819 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $342,000 | 8,176 |
| Total interest expense | $107,000 | 7,728 |
| Net interest income | $235,000 | 8,229 |
| Provision for loan and lease losses | $178,000 | 1,282 |
| Total noninterest income | $4,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $334,000 | 7,243 |
| Salaries and employee benefits | $170,000 | 7,418 |
| Premises and equipment expense | $23,000 | 8,105 |
| Additional noninterest expense | $141,000 | 6,189 |
| Pre-tax net operating income | $-273,000 | 8,950 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-103,000 | 9,036 |
| Income before extraordinary items | $-170,000 | 8,923 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-170,000 | 8,923 |
| 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 | $-170,000 | 8,893 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $185,000 | 9,083 |
| Total interest expense | $41,000 | 9,056 |
| Net interest income | $144,000 | 9,072 |
| Provision for loan and lease losses | $229,000 | 3,775 |
| Total noninterest income | $3,000 | 9,104 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,000 | 8,020 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,000 | 9,013 |
| Total noninterest expense | $806,000 | 8,262 |
| Salaries and employee benefits | $387,000 | 8,460 |
| Premises and equipment expense | $72,000 | 8,459 |
| Additional noninterest expense | $347,000 | 7,468 |
| Pre-tax net operating income | $-888,000 | 8,944 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-334,000 | 9,064 |
| Income before extraordinary items | $-554,000 | 8,923 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-554,000 | 8,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $6,400,000 | 162 |
| Net operating income | $-554,000 | 8,866 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,000 | 9,223 |
| Total interest expense | $3,000 | 9,203 |
| Net interest income | $14,000 | 9,217 |
| Provision for loan and lease losses | $63,000 | 5,456 |
| Total noninterest income | $0 | 9,186 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,106 |
| Total noninterest expense | $536,000 | 8,437 |
| Salaries and employee benefits | $264,000 | 8,593 |
| Premises and equipment expense | $44,000 | 8,675 |
| Additional noninterest expense | $228,000 | 7,747 |
| Pre-tax net operating income | $-585,000 | 8,992 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-220,000 | 9,127 |
| Income before extraordinary items | $-365,000 | 8,979 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-365,000 | 8,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $6,400,000 | 105 |
| Net operating income | $-365,000 | 8,917 |
* 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.