Home > Mission Oaks National Bank > Income and Expense
Mission Oaks National Bank, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $985,000 | 4,602 |
| Total interest expense | $74,000 | 5,161 |
| Net interest income | $911,000 | 4,464 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $136,000 | 4,142 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $33,000 | 4,624 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $103,000 | 3,518 |
| Total noninterest expense | $1,244,000 | 3,390 |
| Salaries and employee benefits | $726,000 | 3,219 |
| Premises and equipment expense | $134,000 | 3,597 |
| Additional noninterest expense | $384,000 | 3,514 |
| Pre-tax net operating income | $-197,000 | 6,526 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-197,000 | 6,533 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-197,000 | 6,533 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-197,000 | 6,533 |
| Net charge-offs | $54,000 | 1,813 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-197,000 | 6,531 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 4,371 |
| Total interest expense | $338,000 | 5,195 |
| Net interest income | $4,103,000 | 4,214 |
| Provision for loan and lease losses | $-399,000 | 6,554 |
| Total noninterest income | $673,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $155,000 | 4,532 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $518,000 | 3,306 |
| Total noninterest expense | $4,946,000 | 3,431 |
| Salaries and employee benefits | $2,777,000 | 3,280 |
| Premises and equipment expense | $542,000 | 3,548 |
| Additional noninterest expense | $1,627,000 | 3,439 |
| Pre-tax net operating income | $229,000 | 5,653 |
| Securities gains (losses) | $25,000 | 2,236 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $253,000 | 5,550 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $253,000 | 5,555 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $253,000 | 5,555 |
| Net charge-offs | $464,000 | 2,092 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $228,000 | 5,576 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,341,000 | 4,409 |
| Total interest expense | $260,000 | 5,250 |
| Net interest income | $3,081,000 | 4,243 |
| Provision for loan and lease losses | $-399,000 | 6,706 |
| Total noninterest income | $354,000 | 4,557 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $121,000 | 4,495 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $233,000 | 4,115 |
| Total noninterest expense | $3,833,000 | 3,364 |
| Salaries and employee benefits | $2,120,000 | 3,257 |
| Premises and equipment expense | $401,000 | 3,612 |
| Additional noninterest expense | $1,312,000 | 3,278 |
| Pre-tax net operating income | $1,000 | 6,268 |
| Securities gains (losses) | $25,000 | 2,108 |
| Applicable income taxes | $1,000 | 4,622 |
| Income before extraordinary items | $25,000 | 6,269 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $25,000 | 6,271 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $25,000 | 6,270 |
| Net charge-offs | $468,000 | 1,656 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,000 | 6,294 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 4,412 |
| Total interest expense | $175,000 | 5,300 |
| Net interest income | $2,059,000 | 4,233 |
| Provision for loan and lease losses | $-399,000 | 6,793 |
| Total noninterest income | $259,000 | 4,465 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $86,000 | 4,368 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $173,000 | 4,015 |
| Total noninterest expense | $2,553,000 | 3,370 |
| Salaries and employee benefits | $1,396,000 | 3,304 |
| Premises and equipment expense | $268,000 | 3,617 |
| Additional noninterest expense | $889,000 | 3,237 |
| Pre-tax net operating income | $164,000 | 5,528 |
| Securities gains (losses) | $25,000 | 1,903 |
| Applicable income taxes | $1,000 | 4,582 |
| Income before extraordinary items | $188,000 | 5,340 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $188,000 | 5,343 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $188,000 | 5,343 |
| Net charge-offs | $380,000 | 1,480 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $163,250 | 5,364 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,125,000 | 4,429 |
| Total interest expense | $90,000 | 5,334 |
| Net interest income | $1,035,000 | 4,240 |
| Provision for loan and lease losses | $-400,000 | 6,941 |
| Total noninterest income | $118,000 | 4,578 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $43,000 | 4,360 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $75,000 | 4,190 |
| Total noninterest expense | $1,293,000 | 3,360 |
| Salaries and employee benefits | $700,000 | 3,326 |
| Premises and equipment expense | $136,000 | 3,606 |
| Additional noninterest expense | $457,000 | 3,174 |
| Pre-tax net operating income | $260,000 | 4,061 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $1,000 | 4,491 |
| Income before extraordinary items | $259,000 | 3,834 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $259,000 | 3,833 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $259,000 | 3,836 |
| Net charge-offs | $159,000 | 1,539 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $259,000 | 3,724 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,346,000 | 4,147 |
| Total interest expense | $590,000 | 4,784 |
| Net interest income | $4,756,000 | 3,940 |
| Provision for loan and lease losses | $1,391,000 | 1,399 |
| Total noninterest income | $-373,000 | 6,973 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $175,000 | 4,497 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-548,000 | 6,943 |
| Total noninterest expense | $6,434,000 | 2,873 |
| Salaries and employee benefits | $3,274,000 | 2,944 |
| Premises and equipment expense | $634,000 | 3,255 |
| Additional noninterest expense | $2,526,000 | 2,538 |
| Pre-tax net operating income | $-3,442,000 | 6,904 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $1,000 | 4,670 |
| Income before extraordinary items | $-3,443,000 | 6,918 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,443,000 | 6,917 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-3,443,000 | 6,917 |
| Net charge-offs | $1,940,000 | 1,187 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 853 |
| Net operating income | $-3,443,000 | 6,898 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 4,198 |
| Total interest expense | $493,000 | 4,674 |
| Net interest income | $3,554,000 | 4,004 |
| Provision for loan and lease losses | $1,502,000 | 1,076 |
| Total noninterest income | $-423,000 | 7,101 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $137,000 | 4,501 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-560,000 | 7,090 |
| Total noninterest expense | $5,149,000 | 2,707 |
| Salaries and employee benefits | $2,516,000 | 2,904 |
| Premises and equipment expense | $490,000 | 3,212 |
| Additional noninterest expense | $2,143,000 | 2,265 |
| Pre-tax net operating income | $-3,520,000 | 7,054 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $1,000 | 4,707 |
| Income before extraordinary items | $-3,521,000 | 7,064 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-3,521,000 | 7,064 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-3,521,000 | 7,064 |
| Net charge-offs | $2,052,000 | 912 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 764 |
| Net operating income | $-3,521,000 | 7,055 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,755,000 | 4,168 |
| Total interest expense | $374,000 | 4,480 |
| Net interest income | $2,381,000 | 4,005 |
| Provision for loan and lease losses | $1,410,000 | 841 |
| Total noninterest income | $-174,000 | 7,131 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $95,000 | 4,405 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-269,000 | 7,106 |
| Total noninterest expense | $3,652,000 | 2,582 |
| Salaries and employee benefits | $1,708,000 | 2,859 |
| Premises and equipment expense | $348,000 | 3,065 |
| Additional noninterest expense | $1,596,000 | 2,044 |
| Pre-tax net operating income | $-2,855,000 | 7,138 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $1,000 | 4,644 |
| Income before extraordinary items | $-2,856,000 | 7,146 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,856,000 | 7,145 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,856,000 | 7,146 |
| Net charge-offs | $2,110,000 | 661 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 743 |
| Net operating income | $-2,856,000 | 7,143 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 4,141 |
| Total interest expense | $222,000 | 4,213 |
| Net interest income | $1,191,000 | 4,031 |
| Provision for loan and lease losses | $668,000 | 856 |
| Total noninterest income | $93,000 | 5,052 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $50,000 | 4,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $43,000 | 4,943 |
| Total noninterest expense | $2,162,000 | 2,201 |
| Salaries and employee benefits | $891,000 | 2,764 |
| Premises and equipment expense | $192,000 | 2,867 |
| Additional noninterest expense | $1,079,000 | 1,559 |
| Pre-tax net operating income | $-1,546,000 | 7,213 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,546,000 | 7,225 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,546,000 | 7,225 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,546,000 | 7,225 |
| Net charge-offs | $1,103,000 | 627 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 737 |
| Net operating income | $-1,546,000 | 7,215 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,739,000 | 3,771 |
| Total interest expense | $1,137,000 | 4,099 |
| Net interest income | $5,602,000 | 3,646 |
| Provision for loan and lease losses | $2,432,000 | 1,368 |
| Total noninterest income | $95,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $261,000 | 3,868 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-166,000 | 6,933 |
| Total noninterest expense | $6,528,000 | 2,837 |
| Salaries and employee benefits | $3,118,000 | 3,010 |
| Premises and equipment expense | $839,000 | 2,811 |
| Additional noninterest expense | $2,571,000 | 2,536 |
| Pre-tax net operating income | $-3,263,000 | 6,941 |
| Securities gains (losses) | $232,000 | 1,339 |
| Applicable income taxes | $1,000 | 4,639 |
| Income before extraordinary items | $-3,032,000 | 6,951 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,032,000 | 6,952 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,032,000 | 6,952 |
| Net charge-offs | $2,607,000 | 1,315 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 897 |
| Net operating income | $-3,264,000 | 6,952 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,170,000 | 3,752 |
| Total interest expense | $896,000 | 4,105 |
| Net interest income | $4,274,000 | 3,613 |
| Provision for loan and lease losses | $1,622,000 | 1,436 |
| Total noninterest income | $153,000 | 5,805 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $207,000 | 3,781 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-54,000 | 7,008 |
| Total noninterest expense | $4,889,000 | 2,849 |
| Salaries and employee benefits | $2,313,000 | 3,057 |
| Premises and equipment expense | $641,000 | 2,789 |
| Additional noninterest expense | $1,935,000 | 2,539 |
| Pre-tax net operating income | $-2,084,000 | 7,011 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,084,000 | 7,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,084,000 | 7,071 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,084,000 | 7,071 |
| Net charge-offs | $1,756,000 | 1,335 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 844 |
| Net operating income | $-2,084,000 | 7,052 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,523,000 | 3,741 |
| Total interest expense | $632,000 | 4,069 |
| Net interest income | $2,891,000 | 3,584 |
| Provision for loan and lease losses | $1,319,000 | 1,257 |
| Total noninterest income | $234,000 | 4,597 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $144,000 | 3,664 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $90,000 | 4,703 |
| Total noninterest expense | $3,203,000 | 2,917 |
| Salaries and employee benefits | $1,525,000 | 3,109 |
| Premises and equipment expense | $431,000 | 2,771 |
| Additional noninterest expense | $1,247,000 | 2,656 |
| Pre-tax net operating income | $-1,397,000 | 7,072 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,397,000 | 7,112 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,397,000 | 7,113 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,397,000 | 7,113 |
| Net charge-offs | $1,094,000 | 1,398 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 801 |
| Net operating income | $-1,397,000 | 7,102 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 3,634 |
| Total interest expense | $341,000 | 3,983 |
| Net interest income | $1,497,000 | 3,469 |
| Provision for loan and lease losses | $930,000 | 907 |
| Total noninterest income | $100,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $71,000 | 3,675 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,437 |
| Total noninterest expense | $1,667,000 | 2,818 |
| Salaries and employee benefits | $804,000 | 2,987 |
| Premises and equipment expense | $228,000 | 2,682 |
| Additional noninterest expense | $635,000 | 2,603 |
| Pre-tax net operating income | $-1,000,000 | 7,273 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,000,000 | 7,292 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,000,000 | 7,293 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,000,000 | 7,293 |
| Net charge-offs | $605,000 | 1,182 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 742 |
| Net operating income | $-1,000,000 | 7,291 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,567,000 | 3,360 |
| Total interest expense | $1,987,000 | 3,590 |
| Net interest income | $6,580,000 | 3,239 |
| Provision for loan and lease losses | $3,308,000 | 1,516 |
| Total noninterest income | $-1,601,000 | 7,579 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $367,000 | 3,241 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,968,000 | 7,563 |
| Total noninterest expense | $9,161,000 | 2,110 |
| Salaries and employee benefits | $3,757,000 | 2,551 |
| Premises and equipment expense | $1,071,000 | 2,330 |
| Additional noninterest expense | $4,333,000 | 1,663 |
| Pre-tax net operating income | $-7,490,000 | 7,255 |
| Securities gains (losses) | $142,000 | 1,882 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-7,348,000 | 7,294 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,348,000 | 7,294 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,348,000 | 7,294 |
| Net charge-offs | $3,483,000 | 1,336 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,077 |
| Net operating income | $-7,490,000 | 7,286 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 3,342 |
| Total interest expense | $1,604,000 | 3,524 |
| Net interest income | $5,021,000 | 3,231 |
| Provision for loan and lease losses | $2,910,000 | 1,288 |
| Total noninterest income | $-90,000 | 7,530 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $289,000 | 3,215 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-379,000 | 7,536 |
| Total noninterest expense | $6,745,000 | 2,147 |
| Salaries and employee benefits | $2,906,000 | 2,492 |
| Premises and equipment expense | $832,000 | 2,312 |
| Additional noninterest expense | $3,007,000 | 1,777 |
| Pre-tax net operating income | $-4,724,000 | 7,347 |
| Securities gains (losses) | $141,000 | 1,655 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-4,583,000 | 7,397 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,583,000 | 7,397 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,583,000 | 7,397 |
| Net charge-offs | $2,920,000 | 1,163 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 998 |
| Net operating income | $-4,724,000 | 7,388 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,531,000 | 3,305 |
| Total interest expense | $1,196,000 | 3,309 |
| Net interest income | $3,335,000 | 3,232 |
| Provision for loan and lease losses | $2,405,000 | 1,108 |
| Total noninterest income | $-150,000 | 7,668 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $202,000 | 3,146 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-352,000 | 7,669 |
| Total noninterest expense | $4,486,000 | 2,159 |
| Salaries and employee benefits | $1,974,000 | 2,462 |
| Premises and equipment expense | $590,000 | 2,182 |
| Additional noninterest expense | $1,922,000 | 1,832 |
| Pre-tax net operating income | $-3,706,000 | 7,465 |
| Securities gains (losses) | $141,000 | 1,175 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,565,000 | 7,491 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,565,000 | 7,490 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,565,000 | 7,491 |
| Net charge-offs | $2,289,000 | 1,027 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 955 |
| Net operating income | $-3,706,000 | 7,498 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,297,000 | 3,317 |
| Total interest expense | $615,000 | 3,367 |
| Net interest income | $1,682,000 | 3,239 |
| Provision for loan and lease losses | $236,000 | 2,770 |
| Total noninterest income | $69,000 | 5,656 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $106,000 | 3,042 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-37,000 | 7,649 |
| Total noninterest expense | $2,027,000 | 2,420 |
| Salaries and employee benefits | $977,000 | 2,522 |
| Premises and equipment expense | $300,000 | 2,198 |
| Additional noninterest expense | $750,000 | 2,256 |
| Pre-tax net operating income | $-512,000 | 7,191 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-512,000 | 7,270 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-512,000 | 7,270 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-512,000 | 7,271 |
| Net charge-offs | $426,000 | 1,715 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $-512,000 | 7,252 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,168,000 | 2,928 |
| Total interest expense | $3,975,000 | 2,752 |
| Net interest income | $7,193,000 | 2,999 |
| Provision for loan and lease losses | $8,975,000 | 950 |
| Total noninterest income | $-365,000 | 7,863 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $460,000 | 3,057 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-825,000 | 7,852 |
| Total noninterest expense | $8,459,000 | 2,333 |
| Salaries and employee benefits | $4,062,000 | 2,409 |
| Premises and equipment expense | $1,241,000 | 2,149 |
| Additional noninterest expense | $3,156,000 | 2,252 |
| Pre-tax net operating income | $-10,606,000 | 7,507 |
| Securities gains (losses) | $384,000 | 1,043 |
| Applicable income taxes | $-964,000 | 7,268 |
| Income before extraordinary items | $-9,258,000 | 7,529 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,258,000 | 7,528 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,258,000 | 7,528 |
| Net charge-offs | $7,725,000 | 831 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $198,000 | 719 |
| Net operating income | $-9,607,440 | 7,548 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,690,000 | 2,888 |
| Total interest expense | $3,239,000 | 2,678 |
| Net interest income | $5,451,000 | 2,960 |
| Provision for loan and lease losses | $7,636,000 | 773 |
| Total noninterest income | $1,013,000 | 2,792 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $341,000 | 3,096 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $672,000 | 2,352 |
| Total noninterest expense | $6,361,000 | 2,327 |
| Salaries and employee benefits | $3,090,000 | 2,411 |
| Premises and equipment expense | $933,000 | 2,159 |
| Additional noninterest expense | $2,338,000 | 2,233 |
| Pre-tax net operating income | $-7,533,000 | 7,650 |
| Securities gains (losses) | $193,000 | 1,310 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-7,340,000 | 7,707 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,340,000 | 7,706 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,340,000 | 7,706 |
| Net charge-offs | $5,416,000 | 773 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 647 |
| Net operating income | $-7,533,000 | 7,718 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,923,000 | 2,874 |
| Total interest expense | $2,344,000 | 2,591 |
| Net interest income | $3,579,000 | 2,985 |
| Provision for loan and lease losses | $7,384,000 | 565 |
| Total noninterest income | $426,000 | 3,720 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $227,000 | 3,077 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $199,000 | 3,660 |
| Total noninterest expense | $4,388,000 | 2,288 |
| Salaries and employee benefits | $2,119,000 | 2,390 |
| Premises and equipment expense | $626,000 | 2,180 |
| Additional noninterest expense | $1,643,000 | 2,163 |
| Pre-tax net operating income | $-7,767,000 | 7,863 |
| Securities gains (losses) | $119,000 | 1,360 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-7,648,000 | 7,904 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,648,000 | 7,903 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,648,000 | 7,903 |
| Net charge-offs | $5,074,000 | 575 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 609 |
| Net operating income | $-7,767,000 | 7,914 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,041,000 | 2,828 |
| Total interest expense | $1,238,000 | 2,552 |
| Net interest income | $1,803,000 | 2,968 |
| Provision for loan and lease losses | $2,368,000 | 665 |
| Total noninterest income | $299,000 | 3,030 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $111,000 | 3,071 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $188,000 | 2,603 |
| Total noninterest expense | $2,156,000 | 2,263 |
| Salaries and employee benefits | $1,133,000 | 2,244 |
| Premises and equipment expense | $317,000 | 2,197 |
| Additional noninterest expense | $706,000 | 2,215 |
| Pre-tax net operating income | $-2,422,000 | 7,884 |
| Securities gains (losses) | $24,000 | 1,606 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-2,398,000 | 7,933 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,398,000 | 7,933 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,398,000 | 7,934 |
| Net charge-offs | $1,968,000 | 606 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 506 |
| Net operating income | $-2,422,000 | 7,939 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,210,000 | 2,600 |
| Total interest expense | $5,308,000 | 2,820 |
| Net interest income | $8,902,000 | 2,447 |
| Provision for loan and lease losses | $4,593,000 | 1,061 |
| Total noninterest income | $978,000 | 3,464 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $516,000 | 2,944 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $462,000 | 3,325 |
| Total noninterest expense | $7,805,000 | 2,424 |
| Salaries and employee benefits | $4,702,000 | 2,159 |
| Premises and equipment expense | $1,040,000 | 2,530 |
| Additional noninterest expense | $2,063,000 | 2,794 |
| Pre-tax net operating income | $-2,518,000 | 7,493 |
| Securities gains (losses) | $13,000 | 2,401 |
| Applicable income taxes | $-1,104,000 | 7,740 |
| Income before extraordinary items | $-1,401,000 | 7,175 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,401,000 | 7,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,603,000 | 874 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $234,000 | 727 |
| Net operating income | $-1,409,320 | 7,285 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,864,000 | 2,605 |
| Total interest expense | $4,053,000 | 2,877 |
| Net interest income | $6,811,000 | 2,428 |
| Provision for loan and lease losses | $1,409,000 | 1,487 |
| Total noninterest income | $1,628,000 | 2,084 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $382,000 | 2,999 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,246,000 | 1,554 |
| Total noninterest expense | $5,784,000 | 2,441 |
| Salaries and employee benefits | $3,527,000 | 2,187 |
| Premises and equipment expense | $740,000 | 2,672 |
| Additional noninterest expense | $1,517,000 | 2,749 |
| Pre-tax net operating income | $1,246,000 | 3,239 |
| Securities gains (losses) | $13,000 | 2,250 |
| Applicable income taxes | $464,000 | 1,993 |
| Income before extraordinary items | $795,000 | 3,577 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $795,000 | 3,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,069,000 | 1,249 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $176,000 | 618 |
| Net operating income | $786,680 | 3,740 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,325,000 | 2,605 |
| Total interest expense | $2,809,000 | 2,883 |
| Net interest income | $4,516,000 | 2,417 |
| Provision for loan and lease losses | $786,000 | 1,434 |
| Total noninterest income | $1,004,000 | 2,217 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $240,000 | 3,104 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $764,000 | 1,680 |
| Total noninterest expense | $3,735,000 | 2,529 |
| Salaries and employee benefits | $2,296,000 | 2,260 |
| Premises and equipment expense | $466,000 | 2,808 |
| Additional noninterest expense | $973,000 | 2,811 |
| Pre-tax net operating income | $999,000 | 2,952 |
| Securities gains (losses) | $13,000 | 2,325 |
| Applicable income taxes | $380,000 | 1,929 |
| Income before extraordinary items | $632,000 | 3,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $632,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 1,895 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $117,000 | 544 |
| Net operating income | $623,680 | 3,505 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,821,000 | 2,572 |
| Total interest expense | $1,521,000 | 2,854 |
| Net interest income | $2,300,000 | 2,381 |
| Provision for loan and lease losses | $252,000 | 1,573 |
| Total noninterest income | $460,000 | 2,352 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $98,000 | 3,504 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $362,000 | 1,736 |
| Total noninterest expense | $1,882,000 | 2,509 |
| Salaries and employee benefits | $1,207,000 | 2,172 |
| Premises and equipment expense | $226,000 | 2,912 |
| Additional noninterest expense | $449,000 | 2,980 |
| Pre-tax net operating income | $626,000 | 2,621 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $239,000 | 1,736 |
| Income before extraordinary items | $388,000 | 3,259 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $388,000 | 3,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 1,041 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 441 |
| Net operating income | $387,360 | 3,179 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,629,000 | 2,582 |
| Total interest expense | $5,563,000 | 3,192 |
| Net interest income | $10,066,000 | 2,231 |
| Provision for loan and lease losses | $432,000 | 2,570 |
| Total noninterest income | $2,258,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $393,000 | 3,554 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,865,000 | 1,422 |
| Total noninterest expense | $7,854,000 | 2,327 |
| Salaries and employee benefits | $4,869,000 | 2,075 |
| Premises and equipment expense | $972,000 | 2,639 |
| Additional noninterest expense | $2,013,000 | 2,665 |
| Pre-tax net operating income | $4,038,000 | 1,970 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $1,569,000 | 1,370 |
| Income before extraordinary items | $2,470,000 | 2,395 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,470,000 | 2,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,761 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $251,000 | 685 |
| Net operating income | $2,469,360 | 2,384 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,551,000 | 2,615 |
| Total interest expense | $3,996,000 | 3,288 |
| Net interest income | $7,555,000 | 2,249 |
| Provision for loan and lease losses | $347,000 | 2,107 |
| Total noninterest income | $1,657,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $290,000 | 3,579 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,367,000 | 1,473 |
| Total noninterest expense | $5,997,000 | 2,264 |
| Salaries and employee benefits | $3,752,000 | 1,999 |
| Premises and equipment expense | $732,000 | 2,614 |
| Additional noninterest expense | $1,513,000 | 2,603 |
| Pre-tax net operating income | $2,868,000 | 2,190 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,107,000 | 1,529 |
| Income before extraordinary items | $1,761,000 | 2,634 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,761,000 | 2,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,536 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $187,000 | 606 |
| Net operating income | $1,761,000 | 2,613 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,471,000 | 2,708 |
| Total interest expense | $2,503,000 | 3,457 |
| Net interest income | $4,968,000 | 2,298 |
| Provision for loan and lease losses | $262,000 | 1,730 |
| Total noninterest income | $1,166,000 | 2,005 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $182,000 | 3,700 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $984,000 | 1,415 |
| Total noninterest expense | $3,982,000 | 2,292 |
| Salaries and employee benefits | $2,490,000 | 2,053 |
| Premises and equipment expense | $494,000 | 2,613 |
| Additional noninterest expense | $998,000 | 2,633 |
| Pre-tax net operating income | $1,890,000 | 2,264 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $729,000 | 1,607 |
| Income before extraordinary items | $1,161,000 | 2,704 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,161,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 551 |
| Net operating income | $1,161,000 | 2,691 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 2,827 |
| Total interest expense | $1,147,000 | 3,653 |
| Net interest income | $2,401,000 | 2,364 |
| Provision for loan and lease losses | $152,000 | 1,418 |
| Total noninterest income | $537,000 | 2,110 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $90,000 | 3,661 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $447,000 | 1,479 |
| Total noninterest expense | $1,971,000 | 2,316 |
| Salaries and employee benefits | $1,232,000 | 2,086 |
| Premises and equipment expense | $239,000 | 2,694 |
| Additional noninterest expense | $500,000 | 2,620 |
| Pre-tax net operating income | $815,000 | 2,532 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $311,000 | 1,813 |
| Income before extraordinary items | $504,000 | 3,009 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $504,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 445 |
| Net operating income | $504,000 | 2,992 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,610,000 | 3,190 |
| Total interest expense | $3,180,000 | 4,169 |
| Net interest income | $8,430,000 | 2,658 |
| Provision for loan and lease losses | $542,000 | 1,779 |
| Total noninterest income | $3,085,000 | 1,580 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $336,000 | 3,899 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,749,000 | 1,057 |
| Total noninterest expense | $6,595,000 | 2,656 |
| Salaries and employee benefits | $3,909,000 | 2,490 |
| Premises and equipment expense | $969,000 | 2,549 |
| Additional noninterest expense | $1,717,000 | 2,944 |
| Pre-tax net operating income | $4,378,000 | 2,093 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,725,000 | 1,489 |
| Income before extraordinary items | $2,653,000 | 2,493 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,653,000 | 2,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,898 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $227,000 | 740 |
| Net operating income | $2,653,000 | 2,476 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,271,000 | 3,283 |
| Total interest expense | $2,141,000 | 4,361 |
| Net interest income | $6,130,000 | 2,729 |
| Provision for loan and lease losses | $319,000 | 2,052 |
| Total noninterest income | $2,303,000 | 1,594 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $242,000 | 4,000 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,061,000 | 1,073 |
| Total noninterest expense | $4,927,000 | 2,664 |
| Salaries and employee benefits | $2,933,000 | 2,486 |
| Premises and equipment expense | $716,000 | 2,581 |
| Additional noninterest expense | $1,278,000 | 2,951 |
| Pre-tax net operating income | $3,187,000 | 2,218 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,263,000 | 1,591 |
| Income before extraordinary items | $1,924,000 | 2,647 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,924,000 | 2,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $174,000 | 620 |
| Net operating income | $1,924,000 | 2,639 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,012,000 | 3,490 |
| Total interest expense | $1,173,000 | 4,788 |
| Net interest income | $3,839,000 | 2,889 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $1,777,000 | 1,425 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $156,000 | 4,058 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,621,000 | 965 |
| Total noninterest expense | $3,263,000 | 2,698 |
| Salaries and employee benefits | $1,938,000 | 2,507 |
| Premises and equipment expense | $463,000 | 2,651 |
| Additional noninterest expense | $862,000 | 2,932 |
| Pre-tax net operating income | $2,173,000 | 2,179 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $865,000 | 1,562 |
| Income before extraordinary items | $1,308,000 | 2,608 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,308,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 517 |
| Net operating income | $1,308,000 | 2,593 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,439,000 | 3,502 |
| Total interest expense | $563,000 | 4,772 |
| Net interest income | $1,876,000 | 2,943 |
| Provision for loan and lease losses | $72,000 | 2,600 |
| Total noninterest income | $1,192,000 | 1,133 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,115,000 | 741 |
| Total noninterest expense | $1,665,000 | 2,643 |
| Salaries and employee benefits | $985,000 | 2,476 |
| Premises and equipment expense | $228,000 | 2,684 |
| Additional noninterest expense | $452,000 | 2,795 |
| Pre-tax net operating income | $1,331,000 | 1,813 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $536,000 | 1,314 |
| Income before extraordinary items | $795,000 | 2,204 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $795,000 | 2,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 383 |
| Net operating income | $795,000 | 2,179 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,434,000 | 3,600 |
| Total interest expense | $1,725,000 | 4,861 |
| Net interest income | $6,709,000 | 3,147 |
| Provision for loan and lease losses | $286,000 | 2,940 |
| Total noninterest income | $2,572,000 | 1,829 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $253,000 | 4,548 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,319,000 | 1,216 |
| Total noninterest expense | $5,625,000 | 2,914 |
| Salaries and employee benefits | $3,380,000 | 2,677 |
| Premises and equipment expense | $766,000 | 3,006 |
| Additional noninterest expense | $1,479,000 | 3,261 |
| Pre-tax net operating income | $3,370,000 | 2,521 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,339,000 | 1,848 |
| Income before extraordinary items | $2,031,000 | 3,066 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,031,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,766 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 640 |
| Net operating income | $2,031,000 | 3,029 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,066,000 | 3,671 |
| Total interest expense | $1,201,000 | 4,932 |
| Net interest income | $4,865,000 | 3,211 |
| Provision for loan and lease losses | $204,000 | 2,929 |
| Total noninterest income | $1,831,000 | 1,909 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $186,000 | 4,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,645,000 | 1,269 |
| Total noninterest expense | $4,195,000 | 2,896 |
| Salaries and employee benefits | $2,530,000 | 2,642 |
| Premises and equipment expense | $536,000 | 3,165 |
| Additional noninterest expense | $1,129,000 | 3,184 |
| Pre-tax net operating income | $2,297,000 | 2,746 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $914,000 | 2,010 |
| Income before extraordinary items | $1,383,000 | 3,338 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,383,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,419 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 486 |
| Net operating income | $1,383,000 | 3,297 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 3,765 |
| Total interest expense | $725,000 | 5,039 |
| Net interest income | $3,102,000 | 3,319 |
| Provision for loan and lease losses | $160,000 | 2,526 |
| Total noninterest income | $1,232,000 | 1,890 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $60,000 | 6,007 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,172,000 | 1,199 |
| Total noninterest expense | $2,799,000 | 2,884 |
| Salaries and employee benefits | $1,735,000 | 2,563 |
| Premises and equipment expense | $330,000 | 3,358 |
| Additional noninterest expense | $734,000 | 3,229 |
| Pre-tax net operating income | $1,375,000 | 2,940 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $545,000 | 2,138 |
| Income before extraordinary items | $830,000 | 3,554 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $830,000 | 3,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 360 |
| Net operating income | $830,000 | 3,506 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 3,857 |
| Total interest expense | $329,000 | 5,231 |
| Net interest income | $1,503,000 | 3,408 |
| Provision for loan and lease losses | $110,000 | 1,892 |
| Total noninterest income | $656,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $625,000 | 1,138 |
| Total noninterest expense | $1,354,000 | 2,983 |
| Salaries and employee benefits | $871,000 | 2,567 |
| Premises and equipment expense | $156,000 | 3,539 |
| Additional noninterest expense | $327,000 | 3,548 |
| Pre-tax net operating income | $695,000 | 2,878 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $276,000 | 2,111 |
| Income before extraordinary items | $419,000 | 3,506 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $419,000 | 3,507 |
| 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 | $13,000 | 419 |
| Net operating income | $419,000 | 3,466 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,708,000 | 4,412 |
| Total interest expense | $1,007,000 | 5,629 |
| Net interest income | $4,701,000 | 3,991 |
| Provision for loan and lease losses | $213,000 | 3,588 |
| Total noninterest income | $2,778,000 | 1,724 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $254,000 | 4,714 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,524,000 | 1,119 |
| Total noninterest expense | $4,622,000 | 3,342 |
| Salaries and employee benefits | $2,829,000 | 2,992 |
| Premises and equipment expense | $592,000 | 3,568 |
| Additional noninterest expense | $1,201,000 | 3,739 |
| Pre-tax net operating income | $2,644,000 | 2,856 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $1,043,000 | 2,081 |
| Income before extraordinary items | $1,603,000 | 3,463 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,603,000 | 3,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 561 |
| Net operating income | $1,601,720 | 3,401 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,036,000 | 4,592 |
| Total interest expense | $715,000 | 5,767 |
| Net interest income | $3,321,000 | 4,154 |
| Provision for loan and lease losses | $110,000 | 4,124 |
| Total noninterest income | $1,820,000 | 1,922 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $189,000 | 4,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,631,000 | 1,243 |
| Total noninterest expense | $3,373,000 | 3,388 |
| Salaries and employee benefits | $2,054,000 | 3,063 |
| Premises and equipment expense | $438,000 | 3,616 |
| Additional noninterest expense | $881,000 | 3,789 |
| Pre-tax net operating income | $1,658,000 | 3,355 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $646,000 | 2,445 |
| Income before extraordinary items | $1,014,000 | 3,961 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,014,000 | 3,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 615 |
| Net operating income | $1,012,720 | 3,902 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,604,000 | 4,699 |
| Total interest expense | $443,000 | 5,997 |
| Net interest income | $2,161,000 | 4,244 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $1,316,000 | 1,786 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $122,000 | 4,840 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,194,000 | 1,179 |
| Total noninterest expense | $2,247,000 | 3,418 |
| Salaries and employee benefits | $1,360,000 | 3,103 |
| Premises and equipment expense | $292,000 | 3,633 |
| Additional noninterest expense | $595,000 | 3,769 |
| Pre-tax net operating income | $1,130,000 | 3,261 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $442,000 | 2,402 |
| Income before extraordinary items | $690,000 | 3,875 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $690,000 | 3,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 508 |
| Net operating income | $688,720 | 3,806 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,260,000 | 4,836 |
| Total interest expense | $203,000 | 6,313 |
| Net interest income | $1,057,000 | 4,315 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $587,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 4,847 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $528,000 | 1,246 |
| Total noninterest expense | $1,118,000 | 3,447 |
| Salaries and employee benefits | $685,000 | 3,091 |
| Premises and equipment expense | $149,000 | 3,610 |
| Additional noninterest expense | $284,000 | 3,905 |
| Pre-tax net operating income | $466,000 | 3,704 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $180,000 | 2,752 |
| Income before extraordinary items | $286,000 | 4,398 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $286,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 452 |
| Net operating income | $286,000 | 4,274 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 5,494 |
| Total interest expense | $842,000 | 6,581 |
| Net interest income | $3,330,000 | 4,961 |
| Provision for loan and lease losses | $366,000 | 2,749 |
| Total noninterest income | $2,024,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $194,000 | 5,318 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,830,000 | 1,565 |
| Total noninterest expense | $3,613,000 | 3,999 |
| Salaries and employee benefits | $2,156,000 | 3,685 |
| Premises and equipment expense | $549,000 | 3,786 |
| Additional noninterest expense | $908,000 | 4,592 |
| Pre-tax net operating income | $1,375,000 | 4,352 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $348,000 | 4,046 |
| Income before extraordinary items | $1,027,000 | 4,575 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,027,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,945,000 | 348 |
| Net operating income | $1,027,000 | 4,401 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,997,000 | 5,713 |
| Total interest expense | $645,000 | 6,673 |
| Net interest income | $2,352,000 | 5,188 |
| Provision for loan and lease losses | $220,000 | 3,174 |
| Total noninterest income | $1,332,000 | 2,569 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $138,000 | 5,469 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,194,000 | 1,817 |
| Total noninterest expense | $2,567,000 | 4,172 |
| Salaries and employee benefits | $1,521,000 | 3,866 |
| Premises and equipment expense | $402,000 | 3,837 |
| Additional noninterest expense | $644,000 | 4,760 |
| Pre-tax net operating income | $897,000 | 4,842 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $156,000 | 5,038 |
| Income before extraordinary items | $741,000 | 4,818 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $741,000 | 4,818 |
| 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 | $933,000 | 320 |
| Net operating income | $741,000 | 4,627 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,923,000 | 5,876 |
| Total interest expense | $435,000 | 6,766 |
| Net interest income | $1,488,000 | 5,350 |
| Provision for loan and lease losses | $145,000 | 3,188 |
| Total noninterest income | $788,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $701,000 | 1,963 |
| Total noninterest expense | $1,642,000 | 4,310 |
| Salaries and employee benefits | $957,000 | 4,051 |
| Premises and equipment expense | $256,000 | 3,972 |
| Additional noninterest expense | $429,000 | 4,760 |
| Pre-tax net operating income | $489,000 | 5,361 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-13,000 | 9,007 |
| Income before extraordinary items | $502,000 | 4,796 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $502,000 | 4,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $502,000 | 4,586 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $910,000 | 6,064 |
| Total interest expense | $207,000 | 6,979 |
| Net interest income | $703,000 | 5,538 |
| Provision for loan and lease losses | $70,000 | 3,059 |
| Total noninterest income | $335,000 | 2,996 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 5,725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $296,000 | 2,129 |
| Total noninterest expense | $778,000 | 4,455 |
| Salaries and employee benefits | $453,000 | 4,219 |
| Premises and equipment expense | $124,000 | 4,049 |
| Additional noninterest expense | $201,000 | 4,949 |
| Pre-tax net operating income | $190,000 | 5,958 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-35,000 | 9,150 |
| Income before extraordinary items | $225,000 | 5,006 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $225,000 | 5,005 |
| 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 | $225,000 | 4,799 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,645,000 | 7,211 |
| Total interest expense | $608,000 | 8,061 |
| Net interest income | $2,037,000 | 6,570 |
| Provision for loan and lease losses | $205,000 | 4,288 |
| Total noninterest income | $730,000 | 4,215 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $121,000 | 6,236 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $609,000 | 2,941 |
| Total noninterest expense | $2,458,000 | 5,138 |
| Salaries and employee benefits | $1,404,000 | 4,927 |
| Premises and equipment expense | $421,000 | 4,471 |
| Additional noninterest expense | $633,000 | 5,740 |
| Pre-tax net operating income | $104,000 | 8,303 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $-224,000 | 9,149 |
| Income before extraordinary items | $337,000 | 7,145 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $337,000 | 7,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 757 |
| Net operating income | $328,000 | 7,082 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,654,000 | 8,573 |
| Total interest expense | $479,000 | 9,047 |
| Net interest income | $1,175,000 | 7,936 |
| Provision for loan and lease losses | $260,000 | 3,515 |
| Total noninterest income | $191,000 | 7,398 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $45,000 | 7,695 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $146,000 | 5,594 |
| Total noninterest expense | $1,752,000 | 6,235 |
| Salaries and employee benefits | $1,107,000 | 5,632 |
| Premises and equipment expense | $278,000 | 5,763 |
| Additional noninterest expense | $367,000 | 7,376 |
| Pre-tax net operating income | $-646,000 | 9,226 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $-647,000 | 9,299 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-647,000 | 9,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-647,000 | 9,264 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $67,000 | 9,874 |
| Total interest expense | $9,000 | 9,851 |
| Net interest income | $58,000 | 9,864 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $82,000 | 8,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 6,864 |
| Total noninterest expense | $643,000 | 8,992 |
| Salaries and employee benefits | $130,000 | 9,791 |
| Premises and equipment expense | $19,000 | 9,775 |
| Additional noninterest expense | $494,000 | 6,468 |
| Pre-tax net operating income | $-533,000 | 9,550 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-533,000 | 9,586 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-533,000 | 9,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,609,000 | 107 |
| Net operating income | $-533,000 | 9,582 |
* 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.