Home > Mountain 1st Bank & Trust Company > Income and Expense
Mountain 1st Bank & Trust Company, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $23,395,000 | 1,087 |
| Total interest expense | $3,834,000 | 889 |
| Net interest income | $19,561,000 | 1,120 |
| Provision for loan and lease losses | $940,000 | 1,156 |
| Total noninterest income | $4,108,000 | 1,300 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $1,248,000 | 1,111 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,860,000 | 1,175 |
| Total noninterest expense | $19,760,000 | 1,033 |
| Salaries and employee benefits | $9,157,000 | 1,185 |
| Premises and equipment expense | $1,976,000 | 1,199 |
| Additional noninterest expense | $8,627,000 | 794 |
| Pre-tax net operating income | $2,969,000 | 2,180 |
| Securities gains (losses) | $212,000 | 856 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $3,181,000 | 1,807 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,181,000 | 1,809 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,181,000 | 1,809 |
| Net charge-offs | $3,834,000 | 433 |
| Cash dividends | $30,000 | 4,230 |
| Sale, conversion, retirement of capital stock, net | $-20,000 | 6,712 |
| Net operating income | $2,969,000 | 1,881 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $17,756,000 | 1,076 |
| Total interest expense | $2,971,000 | 891 |
| Net interest income | $14,785,000 | 1,113 |
| Provision for loan and lease losses | $940,000 | 929 |
| Total noninterest income | $3,846,000 | 1,133 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $944,000 | 1,101 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,902,000 | 993 |
| Total noninterest expense | $14,982,000 | 1,025 |
| Salaries and employee benefits | $7,021,000 | 1,172 |
| Premises and equipment expense | $1,473,000 | 1,222 |
| Additional noninterest expense | $6,488,000 | 793 |
| Pre-tax net operating income | $2,709,000 | 1,911 |
| Securities gains (losses) | $212,000 | 788 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $2,921,000 | 1,542 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,921,000 | 1,544 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,921,000 | 1,545 |
| Net charge-offs | $2,639,000 | 475 |
| Cash dividends | $30,000 | 3,648 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 6,804 |
| Net operating income | $2,709,000 | 1,616 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $11,740,000 | 1,080 |
| Total interest expense | $2,025,000 | 891 |
| Net interest income | $9,715,000 | 1,119 |
| Provision for loan and lease losses | $940,000 | 712 |
| Total noninterest income | $2,979,000 | 1,022 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $627,000 | 1,076 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,352,000 | 873 |
| Total noninterest expense | $9,787,000 | 1,040 |
| Salaries and employee benefits | $4,775,000 | 1,146 |
| Premises and equipment expense | $994,000 | 1,202 |
| Additional noninterest expense | $4,018,000 | 836 |
| Pre-tax net operating income | $1,967,000 | 1,745 |
| Securities gains (losses) | $212,000 | 716 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $2,179,000 | 1,392 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,179,000 | 1,394 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $2,179,000 | 1,395 |
| Net charge-offs | $1,066,000 | 731 |
| Cash dividends | $30,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 6,867 |
| Net operating income | $1,967,000 | 1,475 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,983,000 | 1,067 |
| Total interest expense | $1,027,000 | 911 |
| Net interest income | $4,956,000 | 1,099 |
| Provision for loan and lease losses | $940,000 | 424 |
| Total noninterest income | $1,323,000 | 1,108 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $311,000 | 1,073 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,012,000 | 987 |
| Total noninterest expense | $4,898,000 | 1,049 |
| Salaries and employee benefits | $2,425,000 | 1,133 |
| Premises and equipment expense | $495,000 | 1,225 |
| Additional noninterest expense | $1,978,000 | 859 |
| Pre-tax net operating income | $441,000 | 3,118 |
| Securities gains (losses) | $44,000 | 974 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $485,000 | 2,654 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $485,000 | 2,657 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $485,000 | 2,656 |
| Net charge-offs | $843,000 | 539 |
| Cash dividends | $30,000 | 2,499 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 663 |
| Net operating income | $441,000 | 2,738 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $25,710,000 | 1,032 |
| Total interest expense | $5,705,000 | 778 |
| Net interest income | $20,005,000 | 1,090 |
| Provision for loan and lease losses | $5,276,000 | 482 |
| Total noninterest income | $4,956,000 | 1,162 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,419,000 | 1,003 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $3,537,000 | 1,048 |
| Total noninterest expense | $21,381,000 | 936 |
| Salaries and employee benefits | $9,958,000 | 1,054 |
| Premises and equipment expense | $2,150,000 | 1,099 |
| Additional noninterest expense | $9,273,000 | 759 |
| Pre-tax net operating income | $-1,696,000 | 6,770 |
| Securities gains (losses) | $2,964,000 | 177 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,268,000 | 3,426 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,268,000 | 3,428 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,268,000 | 3,429 |
| Net charge-offs | $5,236,000 | 559 |
| Cash dividends | $28,000 | 4,260 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 6,974 |
| Net operating income | $-1,696,000 | 6,784 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $19,514,000 | 1,034 |
| Total interest expense | $4,516,000 | 761 |
| Net interest income | $14,998,000 | 1,107 |
| Provision for loan and lease losses | $4,198,000 | 473 |
| Total noninterest income | $3,186,000 | 1,289 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,073,000 | 1,002 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,113,000 | 1,219 |
| Total noninterest expense | $15,948,000 | 944 |
| Salaries and employee benefits | $7,486,000 | 1,048 |
| Premises and equipment expense | $1,594,000 | 1,121 |
| Additional noninterest expense | $6,868,000 | 758 |
| Pre-tax net operating income | $-1,962,000 | 6,971 |
| Securities gains (losses) | $2,218,000 | 178 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $256,000 | 5,495 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $256,000 | 5,494 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $256,000 | 5,494 |
| Net charge-offs | $4,031,000 | 547 |
| Cash dividends | $28,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 7,097 |
| Net operating income | $-1,962,000 | 6,976 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $12,974,000 | 1,047 |
| Total interest expense | $3,104,000 | 766 |
| Net interest income | $9,870,000 | 1,129 |
| Provision for loan and lease losses | $2,040,000 | 628 |
| Total noninterest income | $2,287,000 | 1,204 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $727,000 | 982 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,560,000 | 1,102 |
| Total noninterest expense | $10,490,000 | 954 |
| Salaries and employee benefits | $4,862,000 | 1,074 |
| Premises and equipment expense | $1,040,000 | 1,142 |
| Additional noninterest expense | $4,588,000 | 763 |
| Pre-tax net operating income | $-373,000 | 6,739 |
| Securities gains (losses) | $1,284,000 | 216 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $911,000 | 2,786 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $911,000 | 2,787 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $911,000 | 2,787 |
| Net charge-offs | $2,395,000 | 605 |
| Cash dividends | $28,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $-18,000 | 7,183 |
| Net operating income | $-373,000 | 6,761 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $6,544,000 | 1,038 |
| Total interest expense | $1,598,000 | 779 |
| Net interest income | $4,946,000 | 1,127 |
| Provision for loan and lease losses | $1,105,000 | 562 |
| Total noninterest income | $1,191,000 | 1,163 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $357,000 | 987 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $834,000 | 1,041 |
| Total noninterest expense | $5,155,000 | 966 |
| Salaries and employee benefits | $2,396,000 | 1,088 |
| Premises and equipment expense | $516,000 | 1,163 |
| Additional noninterest expense | $2,243,000 | 767 |
| Pre-tax net operating income | $-123,000 | 6,765 |
| Securities gains (losses) | $679,000 | 212 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $556,000 | 2,402 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $556,000 | 2,404 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $556,000 | 2,405 |
| Net charge-offs | $1,341,000 | 555 |
| Cash dividends | $28,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 7,258 |
| Net operating income | $-123,000 | 6,773 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $28,028,000 | 993 |
| Total interest expense | $7,511,000 | 788 |
| Net interest income | $20,517,000 | 1,084 |
| Provision for loan and lease losses | $15,815,000 | 283 |
| Total noninterest income | $2,731,000 | 1,606 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,484,000 | 991 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,247,000 | 1,851 |
| Total noninterest expense | $20,882,000 | 945 |
| Salaries and employee benefits | $9,124,000 | 1,079 |
| Premises and equipment expense | $2,100,000 | 1,190 |
| Additional noninterest expense | $9,658,000 | 742 |
| Pre-tax net operating income | $-13,449,000 | 7,259 |
| Securities gains (losses) | $2,458,000 | 199 |
| Applicable income taxes | $9,451,000 | 259 |
| Income before extraordinary items | $-20,442,000 | 7,299 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-20,442,000 | 7,298 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-20,442,000 | 7,298 |
| Net charge-offs | $21,356,000 | 238 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $-3,000 | 7,257 |
| Net operating income | $-22,900,000 | 7,302 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $21,360,000 | 994 |
| Total interest expense | $5,797,000 | 801 |
| Net interest income | $15,563,000 | 1,082 |
| Provision for loan and lease losses | $8,765,000 | 356 |
| Total noninterest income | $2,071,000 | 1,574 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,832,000 | 604 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $239,000 | 3,825 |
| Total noninterest expense | $15,571,000 | 952 |
| Salaries and employee benefits | $6,710,000 | 1,102 |
| Premises and equipment expense | $1,565,000 | 1,215 |
| Additional noninterest expense | $7,296,000 | 724 |
| Pre-tax net operating income | $-6,702,000 | 7,281 |
| Securities gains (losses) | $2,415,000 | 163 |
| Applicable income taxes | $1,150,000 | 973 |
| Income before extraordinary items | $-5,437,000 | 7,267 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,437,000 | 7,266 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-5,437,000 | 7,266 |
| Net charge-offs | $14,898,000 | 253 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 7,361 |
| Net operating income | $-7,852,000 | 7,305 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $14,345,000 | 997 |
| Total interest expense | $3,933,000 | 823 |
| Net interest income | $10,412,000 | 1,074 |
| Provision for loan and lease losses | $2,806,000 | 721 |
| Total noninterest income | $2,430,000 | 1,068 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,215,000 | 606 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,215,000 | 1,173 |
| Total noninterest expense | $10,167,000 | 982 |
| Salaries and employee benefits | $4,458,000 | 1,124 |
| Premises and equipment expense | $1,012,000 | 1,268 |
| Additional noninterest expense | $4,697,000 | 764 |
| Pre-tax net operating income | $-131,000 | 6,472 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-203,000 | 7,217 |
| Income before extraordinary items | $72,000 | 5,879 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $72,000 | 5,878 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $72,000 | 5,879 |
| Net charge-offs | $7,185,000 | 346 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $-27,000 | 7,455 |
| Net operating income | $72,000 | 5,800 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $7,125,000 | 1,013 |
| Total interest expense | $2,036,000 | 826 |
| Net interest income | $5,089,000 | 1,087 |
| Provision for loan and lease losses | $686,000 | 1,160 |
| Total noninterest income | $1,351,000 | 991 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $590,000 | 608 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $761,000 | 1,012 |
| Total noninterest expense | $4,890,000 | 1,016 |
| Salaries and employee benefits | $2,352,000 | 1,073 |
| Premises and equipment expense | $581,000 | 1,129 |
| Additional noninterest expense | $1,957,000 | 917 |
| Pre-tax net operating income | $864,000 | 1,656 |
| Securities gains (losses) | $9,000 | 1,340 |
| Applicable income taxes | $314,000 | 1,084 |
| Income before extraordinary items | $559,000 | 2,042 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $559,000 | 2,041 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $559,000 | 2,042 |
| Net charge-offs | $2,972,000 | 403 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $-43,000 | 7,533 |
| Net operating income | $553,240 | 2,024 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $30,736,000 | 994 |
| Total interest expense | $10,291,000 | 786 |
| Net interest income | $20,445,000 | 1,094 |
| Provision for loan and lease losses | $12,462,000 | 553 |
| Total noninterest income | $4,628,000 | 1,149 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,251,000 | 666 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,377,000 | 1,247 |
| Total noninterest expense | $22,943,000 | 880 |
| Salaries and employee benefits | $11,065,000 | 888 |
| Premises and equipment expense | $2,992,000 | 863 |
| Additional noninterest expense | $8,886,000 | 837 |
| Pre-tax net operating income | $-10,332,000 | 7,366 |
| Securities gains (losses) | $1,720,000 | 302 |
| Applicable income taxes | $-3,474,000 | 7,548 |
| Income before extraordinary items | $-5,138,000 | 7,185 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,138,000 | 7,185 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-5,138,000 | 7,185 |
| Net charge-offs | $24,502,000 | 291 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 765 |
| Net operating income | $-6,238,800 | 7,230 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $23,268,000 | 1,003 |
| Total interest expense | $7,928,000 | 795 |
| Net interest income | $15,340,000 | 1,093 |
| Provision for loan and lease losses | $9,520,000 | 516 |
| Total noninterest income | $3,546,000 | 1,120 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,686,000 | 679 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,860,000 | 1,165 |
| Total noninterest expense | $16,855,000 | 881 |
| Salaries and employee benefits | $8,051,000 | 908 |
| Premises and equipment expense | $2,120,000 | 911 |
| Additional noninterest expense | $6,684,000 | 815 |
| Pre-tax net operating income | $-7,489,000 | 7,490 |
| Securities gains (losses) | $797,000 | 503 |
| Applicable income taxes | $-2,689,000 | 7,634 |
| Income before extraordinary items | $-4,003,000 | 7,361 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,003,000 | 7,361 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,003,000 | 7,362 |
| Net charge-offs | $21,096,000 | 242 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 688 |
| Net operating income | $-4,513,080 | 7,376 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $15,491,000 | 1,020 |
| Total interest expense | $5,435,000 | 806 |
| Net interest income | $10,056,000 | 1,117 |
| Provision for loan and lease losses | $1,020,000 | 1,913 |
| Total noninterest income | $2,371,000 | 1,090 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,114,000 | 689 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,257,000 | 1,112 |
| Total noninterest expense | $10,812,000 | 920 |
| Salaries and employee benefits | $5,131,000 | 950 |
| Premises and equipment expense | $1,413,000 | 927 |
| Additional noninterest expense | $4,268,000 | 842 |
| Pre-tax net operating income | $595,000 | 3,315 |
| Securities gains (losses) | $500,000 | 479 |
| Applicable income taxes | $340,000 | 1,608 |
| Income before extraordinary items | $755,000 | 2,615 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $755,000 | 2,611 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $755,000 | 2,614 |
| Net charge-offs | $8,619,000 | 374 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 578 |
| Net operating income | $410,000 | 3,638 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,797,000 | 1,030 |
| Total interest expense | $2,805,000 | 824 |
| Net interest income | $4,992,000 | 1,131 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $944,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $535,000 | 718 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $409,000 | 1,489 |
| Total noninterest expense | $5,233,000 | 954 |
| Salaries and employee benefits | $2,456,000 | 1,000 |
| Premises and equipment expense | $721,000 | 939 |
| Additional noninterest expense | $2,056,000 | 868 |
| Pre-tax net operating income | $403,000 | 2,819 |
| Securities gains (losses) | $123,000 | 704 |
| Applicable income taxes | $160,000 | 1,668 |
| Income before extraordinary items | $366,000 | 2,717 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $366,000 | 2,715 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $366,000 | 2,717 |
| Net charge-offs | $2,840,000 | 503 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $279,900 | 3,164 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $33,709,000 | 1,011 |
| Total interest expense | $11,175,000 | 1,058 |
| Net interest income | $22,534,000 | 959 |
| Provision for loan and lease losses | $29,940,000 | 373 |
| Total noninterest income | $3,205,000 | 1,535 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,162,000 | 792 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,043,000 | 2,099 |
| Total noninterest expense | $20,271,000 | 1,030 |
| Salaries and employee benefits | $9,713,000 | 1,014 |
| Premises and equipment expense | $2,725,000 | 996 |
| Additional noninterest expense | $7,833,000 | 1,005 |
| Pre-tax net operating income | $-24,472,000 | 7,761 |
| Securities gains (losses) | $1,042,000 | 480 |
| Applicable income taxes | $-5,208,000 | 7,764 |
| Income before extraordinary items | $-18,222,000 | 7,716 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-18,222,000 | 7,714 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-18,222,000 | 7,714 |
| Net charge-offs | $10,722,000 | 652 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,115 |
| Net operating income | $-19,034,760 | 7,727 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $25,514,000 | 1,012 |
| Total interest expense | $8,389,000 | 1,112 |
| Net interest income | $17,125,000 | 950 |
| Provision for loan and lease losses | $18,975,000 | 403 |
| Total noninterest income | $1,883,000 | 1,858 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,592,000 | 806 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $291,000 | 3,672 |
| Total noninterest expense | $14,638,000 | 1,049 |
| Salaries and employee benefits | $7,233,000 | 1,030 |
| Premises and equipment expense | $2,024,000 | 1,013 |
| Additional noninterest expense | $5,381,000 | 1,049 |
| Pre-tax net operating income | $-14,605,000 | 7,820 |
| Securities gains (losses) | $598,000 | 607 |
| Applicable income taxes | $-5,336,000 | 7,905 |
| Income before extraordinary items | $-8,671,000 | 7,746 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-8,671,000 | 7,744 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-8,671,000 | 7,745 |
| Net charge-offs | $10,024,000 | 503 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,039 |
| Net operating income | $-9,053,720 | 7,761 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $17,420,000 | 1,006 |
| Total interest expense | $5,963,000 | 1,104 |
| Net interest income | $11,457,000 | 941 |
| Provision for loan and lease losses | $4,975,000 | 737 |
| Total noninterest income | $1,073,000 | 2,068 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,049,000 | 801 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $24,000 | 6,629 |
| Total noninterest expense | $9,744,000 | 1,077 |
| Salaries and employee benefits | $4,787,000 | 1,058 |
| Premises and equipment expense | $1,340,000 | 1,057 |
| Additional noninterest expense | $3,617,000 | 1,060 |
| Pre-tax net operating income | $-2,189,000 | 7,428 |
| Securities gains (losses) | $551,000 | 467 |
| Applicable income taxes | $-698,000 | 7,663 |
| Income before extraordinary items | $-940,000 | 7,126 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-940,000 | 7,125 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-940,000 | 7,126 |
| Net charge-offs | $2,692,000 | 929 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,009 |
| Net operating income | $-1,292,640 | 7,263 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $8,706,000 | 1,020 |
| Total interest expense | $3,190,000 | 1,083 |
| Net interest income | $5,516,000 | 974 |
| Provision for loan and lease losses | $2,305,000 | 678 |
| Total noninterest income | $1,189,000 | 1,115 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $502,000 | 808 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $687,000 | 1,130 |
| Total noninterest expense | $4,348,000 | 1,150 |
| Salaries and employee benefits | $2,324,000 | 1,095 |
| Premises and equipment expense | $651,000 | 1,099 |
| Additional noninterest expense | $1,373,000 | 1,207 |
| Pre-tax net operating income | $52,000 | 5,603 |
| Securities gains (losses) | $388,000 | 427 |
| Applicable income taxes | $210,000 | 1,402 |
| Income before extraordinary items | $230,000 | 3,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $230,000 | 3,618 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $230,000 | 3,619 |
| Net charge-offs | $1,552,000 | 718 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 897 |
| Net operating income | $-18,320 | 6,380 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $38,550,000 | 975 |
| Total interest expense | $17,858,000 | 898 |
| Net interest income | $20,692,000 | 1,042 |
| Provision for loan and lease losses | $6,520,000 | 828 |
| Total noninterest income | $4,678,000 | 1,125 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,651,000 | 1,080 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,027,000 | 956 |
| Total noninterest expense | $18,073,000 | 1,087 |
| Salaries and employee benefits | $8,915,000 | 1,108 |
| Premises and equipment expense | $2,512,000 | 1,106 |
| Additional noninterest expense | $6,646,000 | 959 |
| Pre-tax net operating income | $777,000 | 4,222 |
| Securities gains (losses) | $146,000 | 885 |
| Applicable income taxes | $98,000 | 3,401 |
| Income before extraordinary items | $825,000 | 3,643 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $825,000 | 3,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,078,000 | 680 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 1,150 |
| Net operating income | $695,060 | 4,093 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $29,302,000 | 982 |
| Total interest expense | $13,993,000 | 889 |
| Net interest income | $15,309,000 | 1,081 |
| Provision for loan and lease losses | $2,240,000 | 1,101 |
| Total noninterest income | $3,582,000 | 1,137 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,106,000 | 1,230 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,476,000 | 939 |
| Total noninterest expense | $13,696,000 | 1,072 |
| Salaries and employee benefits | $7,104,000 | 1,075 |
| Premises and equipment expense | $1,851,000 | 1,129 |
| Additional noninterest expense | $4,741,000 | 964 |
| Pre-tax net operating income | $2,955,000 | 1,652 |
| Securities gains (losses) | $146,000 | 759 |
| Applicable income taxes | $919,000 | 1,233 |
| Income before extraordinary items | $2,182,000 | 1,648 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,182,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 1,540 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,002 |
| Net operating income | $2,079,800 | 1,810 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,779,000 | 985 |
| Total interest expense | $9,800,000 | 875 |
| Net interest income | $9,979,000 | 1,099 |
| Provision for loan and lease losses | $1,625,000 | 898 |
| Total noninterest income | $2,484,000 | 1,117 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $721,000 | 1,238 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,763,000 | 924 |
| Total noninterest expense | $8,976,000 | 1,085 |
| Salaries and employee benefits | $4,722,000 | 1,089 |
| Premises and equipment expense | $1,193,000 | 1,161 |
| Additional noninterest expense | $3,061,000 | 971 |
| Pre-tax net operating income | $1,862,000 | 1,792 |
| Securities gains (losses) | $134,000 | 795 |
| Applicable income taxes | $683,000 | 1,254 |
| Income before extraordinary items | $1,313,000 | 2,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,313,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,558 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 871 |
| Net operating income | $1,224,560 | 2,113 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $10,275,000 | 971 |
| Total interest expense | $5,218,000 | 876 |
| Net interest income | $5,057,000 | 1,076 |
| Provision for loan and lease losses | $685,000 | 813 |
| Total noninterest income | $1,269,000 | 1,097 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $356,000 | 1,235 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $913,000 | 911 |
| Total noninterest expense | $4,509,000 | 1,070 |
| Salaries and employee benefits | $2,427,000 | 1,067 |
| Premises and equipment expense | $590,000 | 1,172 |
| Additional noninterest expense | $1,492,000 | 974 |
| Pre-tax net operating income | $1,132,000 | 1,598 |
| Securities gains (losses) | $89,000 | 774 |
| Applicable income taxes | $432,000 | 1,131 |
| Income before extraordinary items | $789,000 | 1,838 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $789,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 740 |
| Net operating income | $731,150 | 1,893 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $40,740,000 | 1,034 |
| Total interest expense | $19,675,000 | 996 |
| Net interest income | $21,065,000 | 1,051 |
| Provision for loan and lease losses | $3,390,000 | 578 |
| Total noninterest income | $4,310,000 | 1,229 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,234,000 | 1,459 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,076,000 | 995 |
| Total noninterest expense | $16,211,000 | 1,153 |
| Salaries and employee benefits | $8,565,000 | 1,166 |
| Premises and equipment expense | $1,978,000 | 1,337 |
| Additional noninterest expense | $5,668,000 | 1,005 |
| Pre-tax net operating income | $5,774,000 | 1,437 |
| Securities gains (losses) | $-16,000 | 7,690 |
| Applicable income taxes | $2,218,000 | 1,043 |
| Income before extraordinary items | $3,540,000 | 1,772 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,540,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,584,000 | 726 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 751 |
| Net operating income | $3,550,240 | 1,761 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $29,763,000 | 1,068 |
| Total interest expense | $14,312,000 | 1,028 |
| Net interest income | $15,451,000 | 1,079 |
| Provision for loan and lease losses | $2,355,000 | 451 |
| Total noninterest income | $3,278,000 | 1,205 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $883,000 | 1,488 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,395,000 | 962 |
| Total noninterest expense | $11,785,000 | 1,183 |
| Salaries and employee benefits | $6,299,000 | 1,184 |
| Premises and equipment expense | $1,438,000 | 1,366 |
| Additional noninterest expense | $4,048,000 | 1,021 |
| Pre-tax net operating income | $4,589,000 | 1,477 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,828,000 | 1,031 |
| Income before extraordinary items | $2,761,000 | 1,825 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,761,000 | 1,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $997,000 | 663 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $187,000 | 606 |
| Net operating income | $2,761,000 | 1,812 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,000,000 | 1,131 |
| Total interest expense | $9,115,000 | 1,076 |
| Net interest income | $9,885,000 | 1,145 |
| Provision for loan and lease losses | $1,495,000 | 425 |
| Total noninterest income | $2,159,000 | 1,251 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $581,000 | 1,513 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,578,000 | 1,011 |
| Total noninterest expense | $7,504,000 | 1,249 |
| Salaries and employee benefits | $4,029,000 | 1,262 |
| Premises and equipment expense | $907,000 | 1,472 |
| Additional noninterest expense | $2,568,000 | 1,083 |
| Pre-tax net operating income | $3,045,000 | 1,532 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,226,000 | 1,086 |
| Income before extraordinary items | $1,819,000 | 1,905 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,819,000 | 1,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 992 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 710 |
| Net operating income | $1,819,000 | 1,883 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,991,000 | 1,181 |
| Total interest expense | $4,348,000 | 1,119 |
| Net interest income | $4,643,000 | 1,221 |
| Provision for loan and lease losses | $663,000 | 409 |
| Total noninterest income | $1,059,000 | 1,248 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $287,000 | 1,495 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $772,000 | 1,016 |
| Total noninterest expense | $3,528,000 | 1,319 |
| Salaries and employee benefits | $1,931,000 | 1,331 |
| Premises and equipment expense | $349,000 | 1,885 |
| Additional noninterest expense | $1,248,000 | 1,087 |
| Pre-tax net operating income | $1,511,000 | 1,532 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $620,000 | 1,086 |
| Income before extraordinary items | $891,000 | 1,889 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $891,000 | 1,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 1,351 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 588 |
| Net operating income | $891,000 | 1,881 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $29,288,000 | 1,358 |
| Total interest expense | $13,429,000 | 1,251 |
| Net interest income | $15,859,000 | 1,432 |
| Provision for loan and lease losses | $2,396,000 | 479 |
| Total noninterest income | $3,497,000 | 1,431 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $856,000 | 2,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,641,000 | 1,092 |
| Total noninterest expense | $12,679,000 | 1,409 |
| Salaries and employee benefits | $6,920,000 | 1,424 |
| Premises and equipment expense | $1,638,000 | 1,570 |
| Additional noninterest expense | $4,121,000 | 1,294 |
| Pre-tax net operating income | $4,281,000 | 2,143 |
| Securities gains (losses) | $8,000 | 1,147 |
| Applicable income taxes | $1,509,000 | 1,656 |
| Income before extraordinary items | $2,780,000 | 2,405 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,780,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,752 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 808 |
| Net operating income | $2,774,800 | 2,389 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,640,000 | 1,437 |
| Total interest expense | $9,221,000 | 1,333 |
| Net interest income | $11,419,000 | 1,517 |
| Provision for loan and lease losses | $1,741,000 | 462 |
| Total noninterest income | $2,414,000 | 1,529 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $602,000 | 2,114 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,812,000 | 1,183 |
| Total noninterest expense | $8,760,000 | 1,533 |
| Salaries and employee benefits | $4,878,000 | 1,529 |
| Premises and equipment expense | $1,101,000 | 1,729 |
| Additional noninterest expense | $2,781,000 | 1,427 |
| Pre-tax net operating income | $3,332,000 | 2,140 |
| Securities gains (losses) | $7,000 | 967 |
| Applicable income taxes | $1,067,000 | 1,804 |
| Income before extraordinary items | $2,272,000 | 2,332 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,272,000 | 2,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,477 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $123,000 | 676 |
| Net operating income | $2,267,240 | 2,326 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,524,000 | 1,552 |
| Total interest expense | $5,338,000 | 1,456 |
| Net interest income | $7,186,000 | 1,616 |
| Provision for loan and lease losses | $1,281,000 | 401 |
| Total noninterest income | $1,481,000 | 1,664 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $368,000 | 2,260 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,113,000 | 1,263 |
| Total noninterest expense | $5,491,000 | 1,630 |
| Salaries and employee benefits | $3,060,000 | 1,618 |
| Premises and equipment expense | $622,000 | 2,022 |
| Additional noninterest expense | $1,809,000 | 1,467 |
| Pre-tax net operating income | $1,895,000 | 2,412 |
| Securities gains (losses) | $7,000 | 794 |
| Applicable income taxes | $361,000 | 2,778 |
| Income before extraordinary items | $1,541,000 | 2,294 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,541,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,363 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 521 |
| Net operating income | $1,535,330 | 2,286 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,633,000 | 1,687 |
| Total interest expense | $2,326,000 | 1,588 |
| Net interest income | $3,307,000 | 1,739 |
| Provision for loan and lease losses | $651,000 | 378 |
| Total noninterest income | $615,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $157,000 | 2,502 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $458,000 | 1,432 |
| Total noninterest expense | $2,444,000 | 1,817 |
| Salaries and employee benefits | $1,378,000 | 1,790 |
| Premises and equipment expense | $294,000 | 2,143 |
| Additional noninterest expense | $772,000 | 1,693 |
| Pre-tax net operating income | $827,000 | 2,639 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $88,000 | 3,760 |
| Income before extraordinary items | $739,000 | 2,356 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $739,000 | 2,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $739,000 | 2,332 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,480,000 | 2,286 |
| Total interest expense | $5,616,000 | 2,002 |
| Net interest income | $8,864,000 | 2,462 |
| Provision for loan and lease losses | $1,812,000 | 587 |
| Total noninterest income | $2,509,000 | 1,861 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $395,000 | 3,583 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,114,000 | 1,306 |
| Total noninterest expense | $11,204,000 | 1,530 |
| Salaries and employee benefits | $4,456,000 | 2,062 |
| Premises and equipment expense | $916,000 | 2,554 |
| Additional noninterest expense | $5,832,000 | 882 |
| Pre-tax net operating income | $-1,643,000 | 8,738 |
| Securities gains (losses) | $19,000 | 1,270 |
| Applicable income taxes | $-553,000 | 8,776 |
| Income before extraordinary items | $-1,071,000 | 8,682 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,071,000 | 8,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $25,274,000 | 48 |
| Net operating income | $-1,083,540 | 8,666 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,527,000 | 2,532 |
| Total interest expense | $3,707,000 | 2,112 |
| Net interest income | $5,820,000 | 2,763 |
| Provision for loan and lease losses | $1,425,000 | 535 |
| Total noninterest income | $1,745,000 | 1,975 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $264,000 | 3,838 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,481,000 | 1,384 |
| Total noninterest expense | $8,376,000 | 1,526 |
| Salaries and employee benefits | $3,084,000 | 2,207 |
| Premises and equipment expense | $639,000 | 2,710 |
| Additional noninterest expense | $4,653,000 | 824 |
| Pre-tax net operating income | $-2,236,000 | 8,822 |
| Securities gains (losses) | $19,000 | 1,247 |
| Applicable income taxes | $-553,000 | 8,825 |
| Income before extraordinary items | $-1,664,000 | 8,809 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,664,000 | 8,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $25,303,000 | 34 |
| Net operating income | $-1,678,250 | 8,794 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,489,000 | 2,801 |
| Total interest expense | $2,119,000 | 2,308 |
| Net interest income | $3,370,000 | 3,090 |
| Provision for loan and lease losses | $941,000 | 548 |
| Total noninterest income | $1,032,000 | 2,127 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $156,000 | 4,066 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $876,000 | 1,484 |
| Total noninterest expense | $6,035,000 | 1,410 |
| Salaries and employee benefits | $1,771,000 | 2,522 |
| Premises and equipment expense | $394,000 | 2,878 |
| Additional noninterest expense | $3,870,000 | 683 |
| Pre-tax net operating income | $-2,574,000 | 8,850 |
| Securities gains (losses) | $19,000 | 1,124 |
| Applicable income taxes | $-552,000 | 8,835 |
| Income before extraordinary items | $-2,003,000 | 8,847 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-2,003,000 | 8,847 |
| 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 | $25,303,000 | 21 |
| Net operating income | $-2,017,820 | 8,832 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,290,000 | 3,237 |
| Total interest expense | $887,000 | 2,568 |
| Net interest income | $1,403,000 | 3,600 |
| Provision for loan and lease losses | $412,000 | 576 |
| Total noninterest income | $422,000 | 2,410 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $60,000 | 4,608 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $362,000 | 1,667 |
| Total noninterest expense | $1,326,000 | 3,042 |
| Salaries and employee benefits | $761,000 | 2,893 |
| Premises and equipment expense | $182,000 | 3,111 |
| Additional noninterest expense | $383,000 | 3,137 |
| Pre-tax net operating income | $87,000 | 7,413 |
| Securities gains (losses) | $19,000 | 812 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $67,000 | 7,487 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $67,000 | 7,486 |
| 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 | $-5,000 | 8,883 |
| Net operating income | $54,840 | 7,665 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,306,000 | 6,137 |
| Total interest expense | $1,257,000 | 4,987 |
| Net interest income | $2,049,000 | 6,560 |
| Provision for loan and lease losses | $1,840,000 | 589 |
| Total noninterest income | $776,000 | 4,128 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $97,000 | 6,519 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $679,000 | 2,750 |
| Total noninterest expense | $2,921,000 | 4,751 |
| Salaries and employee benefits | $1,483,000 | 4,994 |
| Premises and equipment expense | $222,000 | 6,499 |
| Additional noninterest expense | $1,216,000 | 3,699 |
| Pre-tax net operating income | $-1,936,000 | 8,893 |
| Securities gains (losses) | $13,000 | 2,682 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,923,000 | 8,911 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,923,000 | 8,912 |
| 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 | $17,879,000 | 39 |
| Net operating income | $-1,936,000 | 8,896 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 7,431 |
| Total interest expense | $515,000 | 6,633 |
| Net interest income | $965,000 | 7,646 |
| Provision for loan and lease losses | $1,475,000 | 534 |
| Total noninterest income | $370,000 | 5,316 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $33,000 | 7,429 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $337,000 | 3,511 |
| Total noninterest expense | $1,809,000 | 5,398 |
| Salaries and employee benefits | $811,000 | 5,980 |
| Premises and equipment expense | $111,000 | 7,326 |
| Additional noninterest expense | $887,000 | 3,768 |
| Pre-tax net operating income | $-1,949,000 | 8,969 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-1,949,000 | 8,980 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,949,000 | 8,981 |
| 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 | $17,879,000 | 32 |
| Net operating income | $-1,949,000 | 8,971 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $308,000 | 8,810 |
| Total interest expense | $105,000 | 8,540 |
| Net interest income | $203,000 | 8,845 |
| Provision for loan and lease losses | $770,000 | 656 |
| Total noninterest income | $35,000 | 8,502 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $4,000 | 7,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $31,000 | 7,181 |
| Total noninterest expense | $1,057,000 | 5,834 |
| Salaries and employee benefits | $403,000 | 6,929 |
| Premises and equipment expense | $30,000 | 8,532 |
| Additional noninterest expense | $624,000 | 3,633 |
| Pre-tax net operating income | $-1,589,000 | 9,030 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-1,589,000 | 9,040 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,589,000 | 9,041 |
| 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 | $17,839,000 | 24 |
| Net operating income | $-1,589,000 | 9,026 |
* 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.