Home > Millennium Bank > Income and Expense
Millennium Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,637,000 | 2,367 |
| Total interest expense | $946,000 | 2,409 |
| Net interest income | $4,691,000 | 2,329 |
| Provision for loan and lease losses | $1,249,000 | 918 |
| Total noninterest income | $466,000 | 3,367 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $154,000 | 3,457 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $312,000 | 3,016 |
| Total noninterest expense | $4,761,000 | 2,009 |
| Salaries and employee benefits | $2,429,000 | 2,060 |
| Premises and equipment expense | $675,000 | 1,743 |
| Additional noninterest expense | $1,657,000 | 1,978 |
| Pre-tax net operating income | $-853,000 | 6,933 |
| Securities gains (losses) | $274,000 | 911 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-579,000 | 6,893 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-579,000 | 6,892 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-579,000 | 6,893 |
| Net charge-offs | $1,548,000 | 843 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 666 |
| Net operating income | $-853,000 | 6,948 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 2,363 |
| Total interest expense | $493,000 | 2,412 |
| Net interest income | $2,367,000 | 2,315 |
| Provision for loan and lease losses | $533,000 | 1,009 |
| Total noninterest income | $278,000 | 3,066 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $80,000 | 3,381 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $198,000 | 2,679 |
| Total noninterest expense | $2,441,000 | 1,972 |
| Salaries and employee benefits | $1,229,000 | 2,044 |
| Premises and equipment expense | $332,000 | 1,779 |
| Additional noninterest expense | $880,000 | 1,879 |
| Pre-tax net operating income | $-329,000 | 6,960 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-329,000 | 7,003 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-329,000 | 7,003 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-329,000 | 7,003 |
| Net charge-offs | $889,000 | 718 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 577 |
| Net operating income | $-329,000 | 6,976 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,699,000 | 2,204 |
| Total interest expense | $2,647,000 | 2,178 |
| Net interest income | $10,052,000 | 2,173 |
| Provision for loan and lease losses | $3,238,000 | 1,128 |
| Total noninterest income | $287,000 | 5,279 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $258,000 | 3,895 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $29,000 | 6,229 |
| Total noninterest expense | $9,761,000 | 1,953 |
| Salaries and employee benefits | $5,012,000 | 1,932 |
| Premises and equipment expense | $1,383,000 | 1,797 |
| Additional noninterest expense | $3,366,000 | 1,990 |
| Pre-tax net operating income | $-2,660,000 | 6,884 |
| Securities gains (losses) | $910,000 | 478 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,750,000 | 6,798 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,750,000 | 6,798 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,750,000 | 6,798 |
| Net charge-offs | $4,910,000 | 807 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 746 |
| Net operating income | $-2,660,000 | 6,895 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,745,000 | 2,177 |
| Total interest expense | $2,079,000 | 2,174 |
| Net interest income | $7,666,000 | 2,138 |
| Provision for loan and lease losses | $2,511,000 | 1,062 |
| Total noninterest income | $307,000 | 4,781 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $181,000 | 4,055 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $126,000 | 4,795 |
| Total noninterest expense | $7,326,000 | 1,966 |
| Salaries and employee benefits | $3,803,000 | 1,917 |
| Premises and equipment expense | $1,038,000 | 1,811 |
| Additional noninterest expense | $2,485,000 | 2,029 |
| Pre-tax net operating income | $-1,864,000 | 6,987 |
| Securities gains (losses) | $704,000 | 485 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,160,000 | 6,902 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,160,000 | 6,904 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,160,000 | 6,903 |
| Net charge-offs | $3,561,000 | 825 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 697 |
| Net operating income | $-1,864,000 | 7,031 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,583,000 | 2,167 |
| Total interest expense | $1,449,000 | 2,168 |
| Net interest income | $5,134,000 | 2,131 |
| Provision for loan and lease losses | $1,972,000 | 921 |
| Total noninterest income | $259,000 | 4,414 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $119,000 | 4,051 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $140,000 | 4,059 |
| Total noninterest expense | $4,900,000 | 1,965 |
| Salaries and employee benefits | $2,549,000 | 1,918 |
| Premises and equipment expense | $685,000 | 1,851 |
| Additional noninterest expense | $1,666,000 | 2,047 |
| Pre-tax net operating income | $-1,479,000 | 7,097 |
| Securities gains (losses) | $512,000 | 358 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-967,000 | 7,021 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-967,000 | 7,020 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-967,000 | 7,021 |
| Net charge-offs | $3,360,000 | 625 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 561 |
| Net operating income | $-1,479,000 | 7,126 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,297,000 | 2,174 |
| Total interest expense | $769,000 | 2,133 |
| Net interest income | $2,528,000 | 2,153 |
| Provision for loan and lease losses | $755,000 | 1,057 |
| Total noninterest income | $189,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $59,000 | 4,038 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $130,000 | 3,138 |
| Total noninterest expense | $2,378,000 | 2,036 |
| Salaries and employee benefits | $1,237,000 | 1,981 |
| Premises and equipment expense | $338,000 | 1,912 |
| Additional noninterest expense | $803,000 | 2,099 |
| Pre-tax net operating income | $-416,000 | 7,036 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-416,000 | 7,088 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-416,000 | 7,089 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-416,000 | 7,089 |
| Net charge-offs | $1,382,000 | 686 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 492 |
| Net operating income | $-416,000 | 7,074 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,073,000 | 2,145 |
| Total interest expense | $3,991,000 | 2,000 |
| Net interest income | $10,082,000 | 2,171 |
| Provision for loan and lease losses | $8,171,000 | 792 |
| Total noninterest income | $176,000 | 6,118 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $267,000 | 3,871 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-91,000 | 7,182 |
| Total noninterest expense | $10,049,000 | 1,943 |
| Salaries and employee benefits | $5,120,000 | 1,896 |
| Premises and equipment expense | $1,399,000 | 1,838 |
| Additional noninterest expense | $3,530,000 | 1,996 |
| Pre-tax net operating income | $-7,962,000 | 7,285 |
| Securities gains (losses) | $519,000 | 863 |
| Applicable income taxes | $450,000 | 1,995 |
| Income before extraordinary items | $-7,893,000 | 7,314 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,893,000 | 7,314 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,893,000 | 7,314 |
| Net charge-offs | $7,747,000 | 736 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 949 |
| Net operating income | $-8,412,000 | 7,318 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,693,000 | 2,161 |
| Total interest expense | $3,151,000 | 1,987 |
| Net interest income | $7,542,000 | 2,205 |
| Provision for loan and lease losses | $7,671,000 | 624 |
| Total noninterest income | $25,000 | 7,289 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $195,000 | 4,006 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-170,000 | 7,444 |
| Total noninterest expense | $7,456,000 | 1,945 |
| Salaries and employee benefits | $3,852,000 | 1,889 |
| Premises and equipment expense | $1,076,000 | 1,799 |
| Additional noninterest expense | $2,528,000 | 2,045 |
| Pre-tax net operating income | $-7,560,000 | 7,493 |
| Securities gains (losses) | $519,000 | 713 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-7,041,000 | 7,510 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,041,000 | 7,510 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,041,000 | 7,510 |
| Net charge-offs | $7,354,000 | 602 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 905 |
| Net operating income | $-7,560,000 | 7,514 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,158,000 | 2,176 |
| Total interest expense | $2,215,000 | 1,958 |
| Net interest income | $4,943,000 | 2,250 |
| Provision for loan and lease losses | $4,121,000 | 749 |
| Total noninterest income | $-64,000 | 7,616 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $128,000 | 4,023 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-192,000 | 7,602 |
| Total noninterest expense | $4,932,000 | 1,980 |
| Salaries and employee benefits | $2,641,000 | 1,859 |
| Premises and equipment expense | $745,000 | 1,757 |
| Additional noninterest expense | $1,546,000 | 2,199 |
| Pre-tax net operating income | $-4,174,000 | 7,507 |
| Securities gains (losses) | $290,000 | 736 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,884,000 | 7,514 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,884,000 | 7,514 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,884,000 | 7,515 |
| Net charge-offs | $5,368,000 | 542 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 751 |
| Net operating income | $-4,174,000 | 7,533 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,649,000 | 2,189 |
| Total interest expense | $1,212,000 | 1,894 |
| Net interest income | $2,437,000 | 2,307 |
| Provision for loan and lease losses | $1,318,000 | 969 |
| Total noninterest income | $175,000 | 3,955 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $68,000 | 3,894 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $107,000 | 3,384 |
| Total noninterest expense | $2,478,000 | 1,991 |
| Salaries and employee benefits | $1,309,000 | 1,904 |
| Premises and equipment expense | $380,000 | 1,784 |
| Additional noninterest expense | $789,000 | 2,145 |
| Pre-tax net operating income | $-1,184,000 | 7,465 |
| Securities gains (losses) | $181,000 | 555 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,003,000 | 7,469 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,003,000 | 7,469 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,003,000 | 7,470 |
| Net charge-offs | $2,361,000 | 579 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 864 |
| Net operating income | $-1,184,000 | 7,508 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,642,000 | 1,913 |
| Total interest expense | $6,629,000 | 1,768 |
| Net interest income | $11,013,000 | 1,997 |
| Provision for loan and lease losses | $5,474,000 | 1,332 |
| Total noninterest income | $802,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $309,000 | 3,827 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $493,000 | 3,223 |
| Total noninterest expense | $9,972,000 | 2,030 |
| Salaries and employee benefits | $5,437,000 | 1,824 |
| Premises and equipment expense | $1,337,000 | 1,998 |
| Additional noninterest expense | $3,198,000 | 2,213 |
| Pre-tax net operating income | $-3,631,000 | 6,998 |
| Securities gains (losses) | $517,000 | 861 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-3,114,000 | 7,016 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,114,000 | 7,014 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,114,000 | 7,015 |
| Net charge-offs | $1,424,000 | 2,436 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 834 |
| Net operating income | $-3,631,000 | 7,096 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,296,000 | 1,944 |
| Total interest expense | $5,205,000 | 1,768 |
| Net interest income | $8,091,000 | 2,034 |
| Provision for loan and lease losses | $4,864,000 | 1,065 |
| Total noninterest income | $627,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $237,000 | 3,799 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $390,000 | 3,229 |
| Total noninterest expense | $7,544,000 | 2,001 |
| Salaries and employee benefits | $4,175,000 | 1,802 |
| Premises and equipment expense | $1,007,000 | 2,008 |
| Additional noninterest expense | $2,362,000 | 2,206 |
| Pre-tax net operating income | $-3,690,000 | 7,377 |
| Securities gains (losses) | $480,000 | 724 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,210,000 | 7,402 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,210,000 | 7,402 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,210,000 | 7,402 |
| Net charge-offs | $1,182,000 | 2,018 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 749 |
| Net operating income | $-3,690,000 | 7,461 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,809,000 | 1,993 |
| Total interest expense | $3,560,000 | 1,810 |
| Net interest income | $5,249,000 | 2,090 |
| Provision for loan and lease losses | $2,263,000 | 1,306 |
| Total noninterest income | $408,000 | 3,801 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $161,000 | 3,746 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $247,000 | 3,321 |
| Total noninterest expense | $4,995,000 | 2,036 |
| Salaries and employee benefits | $2,831,000 | 1,803 |
| Premises and equipment expense | $687,000 | 2,001 |
| Additional noninterest expense | $1,477,000 | 2,369 |
| Pre-tax net operating income | $-1,601,000 | 7,273 |
| Securities gains (losses) | $411,000 | 597 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-1,190,000 | 7,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,190,000 | 7,218 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,190,000 | 7,218 |
| Net charge-offs | $117,000 | 4,075 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 703 |
| Net operating income | $-1,601,000 | 7,366 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,369,000 | 2,033 |
| Total interest expense | $1,791,000 | 1,855 |
| Net interest income | $2,578,000 | 2,123 |
| Provision for loan and lease losses | $402,000 | 1,986 |
| Total noninterest income | $150,000 | 4,401 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $77,000 | 3,782 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $73,000 | 4,164 |
| Total noninterest expense | $2,359,000 | 2,097 |
| Salaries and employee benefits | $1,433,000 | 1,813 |
| Premises and equipment expense | $350,000 | 2,002 |
| Additional noninterest expense | $576,000 | 2,658 |
| Pre-tax net operating income | $-33,000 | 6,430 |
| Securities gains (losses) | $113,000 | 942 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $80,000 | 5,226 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $80,000 | 5,231 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $80,000 | 5,230 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 605 |
| Net operating income | $-33,000 | 6,465 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,003,000 | 2,114 |
| Total interest expense | $7,644,000 | 2,047 |
| Net interest income | $10,359,000 | 2,144 |
| Provision for loan and lease losses | $1,130,000 | 2,528 |
| Total noninterest income | $964,000 | 3,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $287,000 | 4,096 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $677,000 | 2,705 |
| Total noninterest expense | $9,422,000 | 2,043 |
| Salaries and employee benefits | $5,598,000 | 1,821 |
| Premises and equipment expense | $1,407,000 | 1,940 |
| Additional noninterest expense | $2,417,000 | 2,418 |
| Pre-tax net operating income | $771,000 | 4,236 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-240,000 | 7,258 |
| Income before extraordinary items | $1,011,000 | 3,268 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,011,000 | 3,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 5,360 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $107,000 | 957 |
| Net operating income | $1,011,000 | 3,415 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,404,000 | 2,180 |
| Total interest expense | $5,719,000 | 2,128 |
| Net interest income | $7,685,000 | 2,184 |
| Provision for loan and lease losses | $500,000 | 2,723 |
| Total noninterest income | $728,000 | 3,559 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $199,000 | 4,270 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $529,000 | 2,728 |
| Total noninterest expense | $7,115,000 | 2,015 |
| Salaries and employee benefits | $4,330,000 | 1,791 |
| Premises and equipment expense | $1,064,000 | 1,919 |
| Additional noninterest expense | $1,721,000 | 2,461 |
| Pre-tax net operating income | $798,000 | 4,109 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-240,000 | 7,697 |
| Income before extraordinary items | $1,038,000 | 3,025 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,038,000 | 3,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,316 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 854 |
| Net operating income | $1,038,000 | 3,175 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,819,000 | 2,232 |
| Total interest expense | $3,789,000 | 2,214 |
| Net interest income | $5,030,000 | 2,212 |
| Provision for loan and lease losses | $323,000 | 2,437 |
| Total noninterest income | $540,000 | 3,348 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $134,000 | 4,255 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $406,000 | 2,567 |
| Total noninterest expense | $4,790,000 | 1,999 |
| Salaries and employee benefits | $2,951,000 | 1,767 |
| Premises and equipment expense | $719,000 | 1,891 |
| Additional noninterest expense | $1,120,000 | 2,482 |
| Pre-tax net operating income | $457,000 | 4,531 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-240,000 | 8,021 |
| Income before extraordinary items | $697,000 | 3,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $697,000 | 3,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 727 |
| Net operating income | $697,000 | 3,267 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 2,355 |
| Total interest expense | $1,931,000 | 2,303 |
| Net interest income | $2,344,000 | 2,342 |
| Provision for loan and lease losses | $127,000 | 2,383 |
| Total noninterest income | $256,000 | 3,468 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $63,000 | 4,343 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $193,000 | 2,630 |
| Total noninterest expense | $2,329,000 | 2,054 |
| Salaries and employee benefits | $1,394,000 | 1,895 |
| Premises and equipment expense | $372,000 | 1,832 |
| Additional noninterest expense | $563,000 | 2,447 |
| Pre-tax net operating income | $144,000 | 5,513 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-40,000 | 7,989 |
| Income before extraordinary items | $184,000 | 4,827 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $184,000 | 4,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 625 |
| Net operating income | $184,000 | 4,712 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,089,000 | 2,845 |
| Total interest expense | $6,409,000 | 2,853 |
| Net interest income | $7,680,000 | 2,843 |
| Provision for loan and lease losses | $437,000 | 2,555 |
| Total noninterest income | $940,000 | 3,658 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $185,000 | 5,053 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $755,000 | 2,639 |
| Total noninterest expense | $8,424,000 | 2,181 |
| Salaries and employee benefits | $5,231,000 | 1,924 |
| Premises and equipment expense | $1,359,000 | 1,918 |
| Additional noninterest expense | $1,834,000 | 2,883 |
| Pre-tax net operating income | $-241,000 | 7,677 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-500,000 | 8,312 |
| Income before extraordinary items | $259,000 | 6,573 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $259,000 | 6,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,812 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 949 |
| Net operating income | $259,000 | 6,555 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,908,000 | 3,006 |
| Total interest expense | $4,415,000 | 3,050 |
| Net interest income | $5,493,000 | 2,979 |
| Provision for loan and lease losses | $337,000 | 2,143 |
| Total noninterest income | $620,000 | 3,960 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $125,000 | 5,268 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $495,000 | 2,867 |
| Total noninterest expense | $6,151,000 | 2,209 |
| Salaries and employee benefits | $3,849,000 | 1,960 |
| Premises and equipment expense | $994,000 | 1,946 |
| Additional noninterest expense | $1,308,000 | 2,960 |
| Pre-tax net operating income | $-375,000 | 8,004 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-375,000 | 8,058 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-375,000 | 8,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,172 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 800 |
| Net operating income | $-375,000 | 8,042 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,958,000 | 3,310 |
| Total interest expense | $2,598,000 | 3,352 |
| Net interest income | $3,360,000 | 3,229 |
| Provision for loan and lease losses | $276,000 | 1,660 |
| Total noninterest income | $376,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $79,000 | 5,372 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $297,000 | 3,027 |
| Total noninterest expense | $3,978,000 | 2,295 |
| Salaries and employee benefits | $2,496,000 | 2,042 |
| Premises and equipment expense | $687,000 | 1,906 |
| Additional noninterest expense | $795,000 | 3,210 |
| Pre-tax net operating income | $-518,000 | 8,312 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-518,000 | 8,342 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-518,000 | 8,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 834 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 730 |
| Net operating income | $-518,000 | 8,335 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,636,000 | 3,630 |
| Total interest expense | $1,136,000 | 3,678 |
| Net interest income | $1,500,000 | 3,538 |
| Provision for loan and lease losses | $121,000 | 1,743 |
| Total noninterest income | $148,000 | 4,668 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $36,000 | 5,497 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $112,000 | 3,558 |
| Total noninterest expense | $1,933,000 | 2,359 |
| Salaries and employee benefits | $1,223,000 | 2,098 |
| Premises and equipment expense | $346,000 | 1,893 |
| Additional noninterest expense | $364,000 | 3,427 |
| Pre-tax net operating income | $-406,000 | 8,474 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-406,000 | 8,499 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-406,000 | 8,497 |
| 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 | $21,000 | 662 |
| Net operating income | $-406,000 | 8,491 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,333,000 | 4,834 |
| Total interest expense | $2,411,000 | 4,915 |
| Net interest income | $3,922,000 | 4,712 |
| Provision for loan and lease losses | $680,000 | 1,445 |
| Total noninterest income | $253,000 | 6,507 |
| 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 | $174,000 | 5,362 |
| Total noninterest expense | $6,051,000 | 2,854 |
| Salaries and employee benefits | $3,571,000 | 2,702 |
| Premises and equipment expense | $999,000 | 2,480 |
| Additional noninterest expense | $1,481,000 | 3,317 |
| Pre-tax net operating income | $-2,556,000 | 8,614 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-2,556,000 | 8,625 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-2,556,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 1,013 |
| Net operating income | $-2,556,000 | 8,618 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,068,000 | 5,321 |
| Total interest expense | $1,458,000 | 5,407 |
| Net interest income | $2,610,000 | 5,110 |
| Provision for loan and lease losses | $161,000 | 3,281 |
| Total noninterest income | $165,000 | 6,803 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $50,000 | 6,711 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 5,593 |
| Total noninterest expense | $4,092,000 | 3,109 |
| Salaries and employee benefits | $2,383,000 | 2,967 |
| Premises and equipment expense | $690,000 | 2,681 |
| Additional noninterest expense | $1,019,000 | 3,557 |
| Pre-tax net operating income | $-1,478,000 | 8,657 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-1,478,000 | 8,669 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,478,000 | 8,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-1,478,000 | 8,661 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,292,000 | 5,773 |
| Total interest expense | $741,000 | 6,007 |
| Net interest income | $1,551,000 | 5,493 |
| Provision for loan and lease losses | $84,000 | 3,673 |
| Total noninterest income | $99,000 | 7,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $31,000 | 6,823 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $2,368,000 | 3,489 |
| Salaries and employee benefits | $1,433,000 | 3,263 |
| Premises and equipment expense | $331,000 | 3,488 |
| Additional noninterest expense | $604,000 | 3,900 |
| Pre-tax net operating income | $-802,000 | 8,658 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-802,000 | 8,671 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-802,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-802,000 | 8,663 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $880,000 | 6,410 |
| Total interest expense | $282,000 | 6,521 |
| Net interest income | $598,000 | 6,245 |
| Provision for loan and lease losses | $24,000 | 4,343 |
| Total noninterest income | $36,000 | 7,439 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $956,000 | 4,136 |
| Salaries and employee benefits | $631,000 | 3,621 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $254,000 | 4,427 |
| Pre-tax net operating income | $-346,000 | 8,635 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-346,000 | 8,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-346,000 | 8,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-346,000 | 8,649 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,878,000 | 6,694 |
| Total interest expense | $871,000 | 6,601 |
| Net interest income | $2,007,000 | 6,627 |
| Provision for loan and lease losses | $51,000 | 5,720 |
| Total noninterest income | $150,000 | 7,494 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $41,000 | 7,214 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $109,000 | 6,277 |
| Total noninterest expense | $2,117,000 | 5,914 |
| Salaries and employee benefits | $1,230,000 | 5,717 |
| Premises and equipment expense | $287,000 | 5,855 |
| Additional noninterest expense | $600,000 | 6,062 |
| Pre-tax net operating income | $-11,000 | 8,269 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $-23,000 | 8,504 |
| Income before extraordinary items | $8,000 | 8,254 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,000 | 8,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,474 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $680,000 | 516 |
| Net operating income | $10,560 | 8,219 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 6,818 |
| Total interest expense | $594,000 | 6,736 |
| Net interest income | $1,450,000 | 6,755 |
| Provision for loan and lease losses | $21,000 | 6,120 |
| Total noninterest income | $113,000 | 7,519 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 7,291 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 6,220 |
| Total noninterest expense | $1,436,000 | 6,231 |
| Salaries and employee benefits | $790,000 | 6,167 |
| Premises and equipment expense | $205,000 | 5,974 |
| Additional noninterest expense | $441,000 | 6,084 |
| Pre-tax net operating income | $106,000 | 7,992 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $102,000 | 7,946 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $102,000 | 7,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 544 |
| Net operating income | $106,000 | 7,895 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,303,000 | 6,892 |
| Total interest expense | $347,000 | 6,913 |
| Net interest income | $956,000 | 6,771 |
| Provision for loan and lease losses | $21,000 | 5,614 |
| Total noninterest income | $70,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $19,000 | 7,307 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $51,000 | 6,373 |
| Total noninterest expense | $889,000 | 6,429 |
| Salaries and employee benefits | $486,000 | 6,424 |
| Premises and equipment expense | $132,000 | 6,058 |
| Additional noninterest expense | $271,000 | 6,302 |
| Pre-tax net operating income | $116,000 | 7,763 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $112,000 | 7,659 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $112,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 411 |
| Net operating income | $116,000 | 7,579 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $615,000 | 7,051 |
| Total interest expense | $165,000 | 6,986 |
| Net interest income | $450,000 | 6,976 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $37,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $27,000 | 6,349 |
| Total noninterest expense | $408,000 | 6,716 |
| Salaries and employee benefits | $233,000 | 6,576 |
| Premises and equipment expense | $55,000 | 6,532 |
| Additional noninterest expense | $120,000 | 6,679 |
| Pre-tax net operating income | $72,000 | 7,605 |
| Securities gains (losses) | $-4,000 | 8,340 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $68,000 | 7,468 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $68,000 | 7,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 250 |
| Net operating income | $72,000 | 7,353 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,953,000 | 7,432 |
| Total interest expense | $612,000 | 6,899 |
| Net interest income | $1,341,000 | 7,536 |
| Provision for loan and lease losses | $21,000 | 6,700 |
| Total noninterest income | $126,000 | 7,840 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $23,000 | 7,628 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $103,000 | 6,364 |
| Total noninterest expense | $1,607,000 | 6,695 |
| Salaries and employee benefits | $834,000 | 6,822 |
| Premises and equipment expense | $238,000 | 6,319 |
| Additional noninterest expense | $535,000 | 6,346 |
| Pre-tax net operating income | $-161,000 | 8,514 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-153,000 | 8,551 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-153,000 | 8,552 |
| 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 | $266,000 | 537 |
| Net operating income | $-161,000 | 8,528 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 7,603 |
| Total interest expense | $452,000 | 6,949 |
| Net interest income | $916,000 | 7,750 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $92,000 | 7,905 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $20,000 | 7,636 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 6,503 |
| Total noninterest expense | $1,119,000 | 6,877 |
| Salaries and employee benefits | $628,000 | 6,792 |
| Premises and equipment expense | $120,000 | 7,191 |
| Additional noninterest expense | $371,000 | 6,550 |
| Pre-tax net operating income | $-129,000 | 8,615 |
| Securities gains (losses) | $22,000 | 2,247 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-107,000 | 8,629 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-107,000 | 8,631 |
| 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 | $266,000 | 411 |
| Net operating income | $-129,000 | 8,615 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $844,000 | 7,787 |
| Total interest expense | $292,000 | 7,029 |
| Net interest income | $552,000 | 7,960 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $47,000 | 8,244 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $17,000 | 7,603 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $30,000 | 7,216 |
| Total noninterest expense | $754,000 | 6,881 |
| Salaries and employee benefits | $425,000 | 6,790 |
| Premises and equipment expense | $80,000 | 7,223 |
| Additional noninterest expense | $249,000 | 6,545 |
| Pre-tax net operating income | $-173,000 | 8,750 |
| Securities gains (losses) | $22,000 | 1,980 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-151,000 | 8,756 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-151,000 | 8,757 |
| 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 | $200,000 | 340 |
| Net operating income | $-173,000 | 8,749 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $413,000 | 7,852 |
| Total interest expense | $143,000 | 7,141 |
| Net interest income | $270,000 | 8,025 |
| Provision for loan and lease losses | $8,000 | 5,831 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $5,000 | 7,776 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $376,000 | 6,927 |
| Salaries and employee benefits | $207,000 | 6,891 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $131,000 | 6,404 |
| Pre-tax net operating income | $-94,000 | 8,792 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-75,000 | 8,798 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-75,000 | 8,799 |
| 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 | $100,000 | 255 |
| Net operating income | $-94,000 | 8,795 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,449,000 | 8,131 |
| Total interest expense | $677,000 | 7,120 |
| Net interest income | $772,000 | 8,454 |
| Provision for loan and lease losses | $91,000 | 5,464 |
| Total noninterest income | $54,000 | 8,761 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $17,000 | 7,866 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $37,000 | 7,907 |
| Total noninterest expense | $1,235,000 | 7,404 |
| Salaries and employee benefits | $630,000 | 7,583 |
| Premises and equipment expense | $159,000 | 7,278 |
| Additional noninterest expense | $446,000 | 6,873 |
| Pre-tax net operating income | $-500,000 | 8,821 |
| Securities gains (losses) | $28,000 | 2,979 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-472,000 | 8,892 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-472,000 | 8,892 |
| 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 | $274,000 | 559 |
| Net operating income | $-500,000 | 8,842 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $988,000 | 8,354 |
| Total interest expense | $500,000 | 7,317 |
| Net interest income | $488,000 | 8,703 |
| Provision for loan and lease losses | $58,000 | 5,579 |
| Total noninterest income | $35,000 | 8,890 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $10,000 | 7,963 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $25,000 | 8,058 |
| Total noninterest expense | $882,000 | 7,511 |
| Salaries and employee benefits | $463,000 | 7,595 |
| Premises and equipment expense | $116,000 | 7,345 |
| Additional noninterest expense | $303,000 | 7,113 |
| Pre-tax net operating income | $-417,000 | 8,921 |
| Securities gains (losses) | $163,000 | 1,360 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-254,000 | 8,932 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-254,000 | 8,933 |
| 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 | $274,000 | 418 |
| Net operating income | $-417,000 | 8,937 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $599,000 | 8,547 |
| Total interest expense | $301,000 | 7,658 |
| Net interest income | $298,000 | 8,801 |
| Provision for loan and lease losses | $44,000 | 5,358 |
| Total noninterest income | $24,000 | 8,909 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $7,000 | 7,984 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $572,000 | 7,592 |
| Salaries and employee benefits | $310,000 | 7,603 |
| Premises and equipment expense | $73,000 | 7,478 |
| Additional noninterest expense | $189,000 | 7,286 |
| Pre-tax net operating income | $-294,000 | 8,983 |
| Securities gains (losses) | $163,000 | 1,176 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-131,000 | 8,946 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-131,000 | 8,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 301 |
| Net operating income | $-294,000 | 8,992 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $276,000 | 8,696 |
| Total interest expense | $137,000 | 7,930 |
| Net interest income | $139,000 | 8,907 |
| Provision for loan and lease losses | $22,000 | 5,127 |
| Total noninterest income | $6,000 | 9,110 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $288,000 | 7,611 |
| Salaries and employee benefits | $162,000 | 7,520 |
| Premises and equipment expense | $35,000 | 7,597 |
| Additional noninterest expense | $91,000 | 7,386 |
| Pre-tax net operating income | $-165,000 | 9,052 |
| Securities gains (losses) | $163,000 | 742 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-2,000 | 8,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,000 | 8,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-165,000 | 9,046 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $645,000 | 9,086 |
| Total interest expense | $264,000 | 8,954 |
| Net interest income | $381,000 | 9,108 |
| Provision for loan and lease losses | $59,000 | 6,566 |
| Total noninterest income | $70,000 | 8,746 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $7,000 | 8,109 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 7,257 |
| Total noninterest expense | $1,215,000 | 7,434 |
| Salaries and employee benefits | $663,000 | 7,440 |
| Premises and equipment expense | $140,000 | 7,578 |
| Additional noninterest expense | $412,000 | 7,067 |
| Pre-tax net operating income | $-823,000 | 9,083 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-823,000 | 9,142 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-823,000 | 9,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $891,000 | 403 |
| Net operating income | $-823,000 | 9,104 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $46,000 | 9,590 |
| Total interest expense | $18,000 | 9,552 |
| Net interest income | $28,000 | 9,587 |
| Provision for loan and lease losses | $23,000 | 7,499 |
| Total noninterest income | $28,000 | 9,365 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $28,000 | 8,414 |
| Total noninterest expense | $378,000 | 9,395 |
| Salaries and employee benefits | $174,000 | 9,451 |
| Premises and equipment expense | $50,000 | 9,122 |
| Additional noninterest expense | $154,000 | 9,023 |
| Pre-tax net operating income | $-345,000 | 9,068 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-345,000 | 9,150 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-345,000 | 9,151 |
| 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 | $4,200,000 | 214 |
| Net operating income | $-345,000 | 9,104 |
* 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.