Home > Mountain Heritage Bank > Income and Expense
Mountain Heritage Bank, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $841,000 | 5,666 |
| Total interest expense | $512,000 | 2,979 |
| Net interest income | $329,000 | 6,826 |
| Provision for loan and lease losses | $1,180,000 | 763 |
| Total noninterest income | $61,000 | 5,688 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $33,000 | 5,074 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,466 |
| Total noninterest expense | $921,000 | 4,420 |
| Salaries and employee benefits | $291,000 | 5,680 |
| Premises and equipment expense | $106,000 | 4,564 |
| Additional noninterest expense | $524,000 | 3,060 |
| Pre-tax net operating income | $-1,711,000 | 7,369 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,711,000 | 7,383 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,711,000 | 7,383 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,711,000 | 7,383 |
| Net charge-offs | $1,107,000 | 802 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 815 |
| Net operating income | $-1,711,000 | 7,381 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,323,000 | 5,210 |
| Total interest expense | $2,640,000 | 2,865 |
| Net interest income | $1,683,000 | 6,546 |
| Provision for loan and lease losses | $490,000 | 4,162 |
| Total noninterest income | $752,000 | 3,779 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $151,000 | 4,883 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $601,000 | 2,914 |
| Total noninterest expense | $4,240,000 | 4,050 |
| Salaries and employee benefits | $1,265,000 | 5,522 |
| Premises and equipment expense | $411,000 | 4,689 |
| Additional noninterest expense | $2,564,000 | 2,624 |
| Pre-tax net operating income | $-2,295,000 | 6,821 |
| Securities gains (losses) | $340,000 | 1,157 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,955,000 | 6,841 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,955,000 | 6,841 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,955,000 | 6,842 |
| Net charge-offs | $1,458,000 | 2,209 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,125 |
| Net operating income | $-2,295,000 | 6,875 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,445,000 | 5,148 |
| Total interest expense | $2,064,000 | 2,891 |
| Net interest income | $1,381,000 | 6,475 |
| Provision for loan and lease losses | $490,000 | 3,570 |
| Total noninterest income | $949,000 | 2,829 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $121,000 | 4,869 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $828,000 | 2,033 |
| Total noninterest expense | $3,084,000 | 4,139 |
| Salaries and employee benefits | $940,000 | 5,598 |
| Premises and equipment expense | $308,000 | 4,770 |
| Additional noninterest expense | $1,836,000 | 2,682 |
| Pre-tax net operating income | $-1,244,000 | 6,861 |
| Securities gains (losses) | $218,000 | 1,309 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,026,000 | 6,909 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,026,000 | 6,909 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,026,000 | 6,909 |
| Net charge-offs | $1,425,000 | 1,827 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,053 |
| Net operating income | $-1,244,000 | 6,932 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,401,000 | 5,061 |
| Total interest expense | $1,421,000 | 2,911 |
| Net interest income | $980,000 | 6,401 |
| Provision for loan and lease losses | $125,000 | 4,845 |
| Total noninterest income | $149,000 | 5,496 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $87,000 | 4,723 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $62,000 | 5,330 |
| Total noninterest expense | $1,830,000 | 4,495 |
| Salaries and employee benefits | $661,000 | 5,486 |
| Premises and equipment expense | $209,000 | 4,741 |
| Additional noninterest expense | $960,000 | 3,309 |
| Pre-tax net operating income | $-826,000 | 6,920 |
| Securities gains (losses) | $41,000 | 2,004 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-785,000 | 7,003 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-785,000 | 7,003 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-785,000 | 7,003 |
| Net charge-offs | $229,000 | 3,385 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 978 |
| Net operating income | $-826,000 | 6,986 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 5,163 |
| Total interest expense | $738,000 | 2,943 |
| Net interest income | $451,000 | 6,599 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $76,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $45,000 | 4,675 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $31,000 | 5,401 |
| Total noninterest expense | $899,000 | 4,590 |
| Salaries and employee benefits | $309,000 | 5,738 |
| Premises and equipment expense | $109,000 | 4,723 |
| Additional noninterest expense | $481,000 | 3,289 |
| Pre-tax net operating income | $-372,000 | 7,064 |
| Securities gains (losses) | $20,000 | 1,521 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-352,000 | 7,131 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-352,000 | 7,134 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-352,000 | 7,132 |
| Net charge-offs | $17,000 | 4,530 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 934 |
| Net operating income | $-372,000 | 7,126 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,039,000 | 4,600 |
| Total interest expense | $3,660,000 | 2,944 |
| Net interest income | $2,379,000 | 5,954 |
| Provision for loan and lease losses | $2,732,000 | 2,089 |
| Total noninterest income | $291,000 | 5,658 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $142,000 | 5,244 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $149,000 | 5,099 |
| Total noninterest expense | $3,746,000 | 4,519 |
| Salaries and employee benefits | $1,384,000 | 5,425 |
| Premises and equipment expense | $448,000 | 4,697 |
| Additional noninterest expense | $1,914,000 | 3,429 |
| Pre-tax net operating income | $-3,808,000 | 7,030 |
| Securities gains (losses) | $309,000 | 1,214 |
| Applicable income taxes | $842,000 | 1,092 |
| Income before extraordinary items | $-4,341,000 | 7,196 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,341,000 | 7,195 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,341,000 | 7,195 |
| Net charge-offs | $2,069,000 | 1,985 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,180 |
| Net operating income | $-4,650,000 | 7,237 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,683,000 | 4,566 |
| Total interest expense | $2,860,000 | 2,965 |
| Net interest income | $1,823,000 | 5,924 |
| Provision for loan and lease losses | $1,286,000 | 2,430 |
| Total noninterest income | $213,000 | 5,768 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $84,000 | 5,633 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $129,000 | 5,022 |
| Total noninterest expense | $2,335,000 | 5,075 |
| Salaries and employee benefits | $1,038,000 | 5,461 |
| Premises and equipment expense | $343,000 | 4,674 |
| Additional noninterest expense | $954,000 | 4,543 |
| Pre-tax net operating income | $-1,585,000 | 6,900 |
| Securities gains (losses) | $183,000 | 1,351 |
| Applicable income taxes | $-557,000 | 7,375 |
| Income before extraordinary items | $-845,000 | 6,653 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-845,000 | 6,655 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-845,000 | 6,655 |
| Net charge-offs | $465,000 | 3,141 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,081 |
| Net operating income | $-962,120 | 6,721 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,257,000 | 4,478 |
| Total interest expense | $1,991,000 | 2,978 |
| Net interest income | $1,266,000 | 5,843 |
| Provision for loan and lease losses | $522,000 | 2,918 |
| Total noninterest income | $145,000 | 5,773 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $56,000 | 5,635 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $89,000 | 5,002 |
| Total noninterest expense | $1,634,000 | 4,980 |
| Salaries and employee benefits | $720,000 | 5,404 |
| Premises and equipment expense | $238,000 | 4,593 |
| Additional noninterest expense | $676,000 | 4,358 |
| Pre-tax net operating income | $-745,000 | 6,857 |
| Securities gains (losses) | $114,000 | 1,396 |
| Applicable income taxes | $-235,000 | 7,346 |
| Income before extraordinary items | $-396,000 | 6,649 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-396,000 | 6,650 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-396,000 | 6,650 |
| Net charge-offs | $358,000 | 2,730 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 993 |
| Net operating income | $-468,960 | 6,713 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,652,000 | 4,476 |
| Total interest expense | $1,042,000 | 2,958 |
| Net interest income | $610,000 | 5,953 |
| Provision for loan and lease losses | $52,000 | 4,857 |
| Total noninterest income | $72,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $27,000 | 5,653 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $45,000 | 5,014 |
| Total noninterest expense | $770,000 | 5,088 |
| Salaries and employee benefits | $347,000 | 5,565 |
| Premises and equipment expense | $112,000 | 4,803 |
| Additional noninterest expense | $311,000 | 4,292 |
| Pre-tax net operating income | $-140,000 | 6,758 |
| Securities gains (losses) | $97,000 | 1,015 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-43,000 | 6,624 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-43,000 | 6,625 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-43,000 | 6,625 |
| Net charge-offs | $78,000 | 3,132 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 783 |
| Net operating income | $-140,000 | 6,826 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,303,000 | 4,371 |
| Total interest expense | $4,406,000 | 3,273 |
| Net interest income | $2,897,000 | 5,505 |
| Provision for loan and lease losses | $2,099,000 | 1,735 |
| Total noninterest income | $367,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $156,000 | 5,243 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $211,000 | 4,744 |
| Total noninterest expense | $3,190,000 | 4,919 |
| Salaries and employee benefits | $1,655,000 | 5,038 |
| Premises and equipment expense | $435,000 | 4,858 |
| Additional noninterest expense | $1,100,000 | 4,532 |
| Pre-tax net operating income | $-2,025,000 | 7,365 |
| Securities gains (losses) | $28,000 | 1,976 |
| Applicable income taxes | $-789,000 | 7,633 |
| Income before extraordinary items | $-1,208,000 | 7,092 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,208,000 | 7,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,202,000 | 1,761 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $240,000 | 717 |
| Net operating income | $-1,225,920 | 7,216 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,689,000 | 4,343 |
| Total interest expense | $3,314,000 | 3,375 |
| Net interest income | $2,375,000 | 5,303 |
| Provision for loan and lease losses | $559,000 | 2,569 |
| Total noninterest income | $287,000 | 5,449 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $121,000 | 5,219 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $166,000 | 4,782 |
| Total noninterest expense | $2,346,000 | 4,972 |
| Salaries and employee benefits | $1,225,000 | 5,096 |
| Premises and equipment expense | $317,000 | 4,961 |
| Additional noninterest expense | $804,000 | 4,544 |
| Pre-tax net operating income | $-243,000 | 7,064 |
| Securities gains (losses) | $28,000 | 1,801 |
| Applicable income taxes | $-105,000 | 7,543 |
| Income before extraordinary items | $-110,000 | 6,802 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-110,000 | 6,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,866 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $240,000 | 525 |
| Net operating income | $-127,920 | 6,999 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,870,000 | 4,343 |
| Total interest expense | $2,234,000 | 3,465 |
| Net interest income | $1,636,000 | 5,214 |
| Provision for loan and lease losses | $204,000 | 3,121 |
| Total noninterest income | $200,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $78,000 | 5,295 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $122,000 | 4,685 |
| Total noninterest expense | $1,586,000 | 4,948 |
| Salaries and employee benefits | $844,000 | 5,055 |
| Premises and equipment expense | $208,000 | 5,032 |
| Additional noninterest expense | $534,000 | 4,548 |
| Pre-tax net operating income | $46,000 | 6,696 |
| Securities gains (losses) | $28,000 | 1,831 |
| Applicable income taxes | $14,000 | 4,858 |
| Income before extraordinary items | $60,000 | 6,642 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,610 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $235,000 | 387 |
| Net operating income | $37,320 | 6,717 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 4,261 |
| Total interest expense | $1,138,000 | 3,577 |
| Net interest income | $899,000 | 4,950 |
| Provision for loan and lease losses | $157,000 | 2,079 |
| Total noninterest income | $93,000 | 5,583 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $34,000 | 5,506 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $777,000 | 5,017 |
| Salaries and employee benefits | $395,000 | 5,278 |
| Premises and equipment expense | $104,000 | 5,055 |
| Additional noninterest expense | $278,000 | 4,359 |
| Pre-tax net operating income | $58,000 | 6,508 |
| Securities gains (losses) | $8,000 | 2,056 |
| Applicable income taxes | $25,000 | 4,203 |
| Income before extraordinary items | $41,000 | 6,705 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $41,000 | 6,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,990 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 264 |
| Net operating income | $35,880 | 6,705 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,011,000 | 4,359 |
| Total interest expense | $4,465,000 | 3,736 |
| Net interest income | $3,546,000 | 4,991 |
| Provision for loan and lease losses | $310,000 | 3,126 |
| Total noninterest income | $347,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $169,000 | 5,214 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $178,000 | 5,284 |
| Total noninterest expense | $2,648,000 | 5,427 |
| Salaries and employee benefits | $1,469,000 | 5,368 |
| Premises and equipment expense | $359,000 | 5,337 |
| Additional noninterest expense | $820,000 | 5,267 |
| Pre-tax net operating income | $935,000 | 4,871 |
| Securities gains (losses) | $-17,000 | 7,711 |
| Applicable income taxes | $345,000 | 3,200 |
| Income before extraordinary items | $573,000 | 5,440 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $573,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,958 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,160 |
| Net operating income | $583,880 | 5,386 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 4,431 |
| Total interest expense | $3,221,000 | 3,842 |
| Net interest income | $2,662,000 | 5,011 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $239,000 | 5,980 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $134,000 | 5,137 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $105,000 | 5,709 |
| Total noninterest expense | $1,924,000 | 5,494 |
| Salaries and employee benefits | $1,070,000 | 5,438 |
| Premises and equipment expense | $263,000 | 5,393 |
| Additional noninterest expense | $591,000 | 5,351 |
| Pre-tax net operating income | $887,000 | 4,631 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $335,000 | 3,041 |
| Income before extraordinary items | $552,000 | 5,193 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $552,000 | 5,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,768 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,025 |
| Net operating income | $552,000 | 5,170 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,814,000 | 4,536 |
| Total interest expense | $2,075,000 | 3,925 |
| Net interest income | $1,739,000 | 5,096 |
| Provision for loan and lease losses | $63,000 | 3,949 |
| Total noninterest income | $180,000 | 5,785 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $96,000 | 5,023 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $84,000 | 5,421 |
| Total noninterest expense | $1,277,000 | 5,531 |
| Salaries and employee benefits | $722,000 | 5,457 |
| Premises and equipment expense | $172,000 | 5,477 |
| Additional noninterest expense | $383,000 | 5,430 |
| Pre-tax net operating income | $579,000 | 4,749 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $219,000 | 3,143 |
| Income before extraordinary items | $360,000 | 5,299 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $360,000 | 5,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 926 |
| Net operating income | $360,000 | 5,289 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 4,603 |
| Total interest expense | $1,004,000 | 4,001 |
| Net interest income | $857,000 | 5,156 |
| Provision for loan and lease losses | $14,000 | 4,851 |
| Total noninterest income | $85,000 | 5,851 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $47,000 | 5,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $38,000 | 5,593 |
| Total noninterest expense | $613,000 | 5,688 |
| Salaries and employee benefits | $334,000 | 5,749 |
| Premises and equipment expense | $84,000 | 5,553 |
| Additional noninterest expense | $195,000 | 5,341 |
| Pre-tax net operating income | $315,000 | 4,545 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $118,000 | 3,050 |
| Income before extraordinary items | $197,000 | 5,093 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $197,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $197,000 | 5,083 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,189,000 | 4,901 |
| Total interest expense | $3,123,000 | 4,216 |
| Net interest income | $3,066,000 | 5,463 |
| Provision for loan and lease losses | $457,000 | 2,044 |
| Total noninterest income | $311,000 | 6,106 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $143,000 | 5,607 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $168,000 | 5,428 |
| Total noninterest expense | $2,428,000 | 5,580 |
| Salaries and employee benefits | $1,230,000 | 5,832 |
| Premises and equipment expense | $351,000 | 5,318 |
| Additional noninterest expense | $847,000 | 5,046 |
| Pre-tax net operating income | $492,000 | 6,517 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-364,000 | 8,540 |
| Income before extraordinary items | $856,000 | 5,068 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $856,000 | 5,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,198 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 815 |
| Net operating income | $856,000 | 5,054 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,431,000 | 5,052 |
| Total interest expense | $2,190,000 | 4,302 |
| Net interest income | $2,241,000 | 5,591 |
| Provision for loan and lease losses | $339,000 | 1,950 |
| Total noninterest income | $240,000 | 6,098 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $110,000 | 5,632 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 5,386 |
| Total noninterest expense | $1,792,000 | 5,610 |
| Salaries and employee benefits | $883,000 | 5,933 |
| Premises and equipment expense | $258,000 | 5,373 |
| Additional noninterest expense | $651,000 | 4,957 |
| Pre-tax net operating income | $350,000 | 6,781 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $350,000 | 6,460 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $350,000 | 6,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,885 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 639 |
| Net operating income | $350,000 | 6,464 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,758,000 | 5,231 |
| Total interest expense | $1,333,000 | 4,415 |
| Net interest income | $1,425,000 | 5,752 |
| Provision for loan and lease losses | $196,000 | 2,150 |
| Total noninterest income | $150,000 | 6,237 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $71,000 | 5,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $79,000 | 5,587 |
| Total noninterest expense | $1,197,000 | 5,619 |
| Salaries and employee benefits | $592,000 | 5,950 |
| Premises and equipment expense | $167,000 | 5,481 |
| Additional noninterest expense | $438,000 | 4,914 |
| Pre-tax net operating income | $182,000 | 7,195 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $182,000 | 6,897 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $182,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 472 |
| Net operating income | $182,000 | 6,902 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 5,427 |
| Total interest expense | $602,000 | 4,569 |
| Net interest income | $663,000 | 5,970 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $62,000 | 6,574 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 5,757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,131 |
| Total noninterest expense | $586,000 | 5,699 |
| Salaries and employee benefits | $272,000 | 6,219 |
| Premises and equipment expense | $79,000 | 5,661 |
| Additional noninterest expense | $235,000 | 4,650 |
| Pre-tax net operating income | $89,000 | 7,183 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $89,000 | 6,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 6,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 271 |
| Net operating income | $89,000 | 6,902 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,873,000 | 5,914 |
| Total interest expense | $1,717,000 | 4,876 |
| Net interest income | $2,156,000 | 6,441 |
| Provision for loan and lease losses | $343,000 | 2,563 |
| Total noninterest income | $217,000 | 6,938 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $133,000 | 5,840 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $84,000 | 6,684 |
| Total noninterest expense | $1,980,000 | 6,147 |
| Salaries and employee benefits | $989,000 | 6,378 |
| Premises and equipment expense | $275,000 | 5,963 |
| Additional noninterest expense | $716,000 | 5,518 |
| Pre-tax net operating income | $50,000 | 8,140 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $50,000 | 8,146 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $50,000 | 8,145 |
| 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 | $0 | 934 |
| Net operating income | $50,000 | 8,117 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,699,000 | 6,104 |
| Total interest expense | $1,154,000 | 5,043 |
| Net interest income | $1,545,000 | 6,601 |
| Provision for loan and lease losses | $289,000 | 2,261 |
| Total noninterest income | $155,000 | 7,041 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $97,000 | 5,916 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $1,434,000 | 6,235 |
| Salaries and employee benefits | $726,000 | 6,438 |
| Premises and equipment expense | $185,000 | 6,217 |
| Additional noninterest expense | $523,000 | 5,572 |
| Pre-tax net operating income | $-23,000 | 8,360 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-23,000 | 8,379 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-23,000 | 8,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,454 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-23,000 | 8,354 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,677,000 | 6,243 |
| Total interest expense | $701,000 | 5,154 |
| Net interest income | $976,000 | 6,724 |
| Provision for loan and lease losses | $253,000 | 1,756 |
| Total noninterest income | $89,000 | 7,243 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $64,000 | 5,897 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $25,000 | 7,399 |
| Total noninterest expense | $929,000 | 6,307 |
| Salaries and employee benefits | $495,000 | 6,379 |
| Premises and equipment expense | $104,000 | 6,616 |
| Additional noninterest expense | $330,000 | 5,718 |
| Pre-tax net operating income | $-117,000 | 8,505 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-117,000 | 8,529 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-117,000 | 8,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,042 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-117,000 | 8,505 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $759,000 | 6,533 |
| Total interest expense | $297,000 | 5,505 |
| Net interest income | $462,000 | 6,909 |
| Provision for loan and lease losses | $206,000 | 1,109 |
| Total noninterest income | $46,000 | 7,202 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $32,000 | 5,874 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,363 |
| Total noninterest expense | $422,000 | 6,641 |
| Salaries and employee benefits | $223,000 | 6,711 |
| Premises and equipment expense | $35,000 | 7,470 |
| Additional noninterest expense | $164,000 | 5,726 |
| Pre-tax net operating income | $-120,000 | 8,667 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-120,000 | 8,687 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-120,000 | 8,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,325 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-120,000 | 8,666 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,600,000 | 7,782 |
| Total interest expense | $596,000 | 6,953 |
| Net interest income | $1,004,000 | 8,009 |
| Provision for loan and lease losses | $442,000 | 2,179 |
| Total noninterest income | $105,000 | 8,029 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $69,000 | 6,971 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $36,000 | 7,787 |
| Total noninterest expense | $1,489,000 | 6,899 |
| Salaries and employee benefits | $780,000 | 7,007 |
| Premises and equipment expense | $228,000 | 6,420 |
| Additional noninterest expense | $481,000 | 6,660 |
| Pre-tax net operating income | $-822,000 | 8,768 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-822,000 | 8,799 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-822,000 | 8,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,894 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 846 |
| Net operating income | $-822,000 | 8,778 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $985,000 | 8,124 |
| Total interest expense | $359,000 | 7,407 |
| Net interest income | $626,000 | 8,291 |
| Provision for loan and lease losses | $250,000 | 2,570 |
| Total noninterest income | $63,000 | 8,312 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $42,000 | 7,235 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 8,029 |
| Total noninterest expense | $1,119,000 | 6,877 |
| Salaries and employee benefits | $581,000 | 6,980 |
| Premises and equipment expense | $169,000 | 6,448 |
| Additional noninterest expense | $369,000 | 6,566 |
| Pre-tax net operating income | $-680,000 | 8,823 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-680,000 | 8,867 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-680,000 | 8,868 |
| 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 | $4,000 | 708 |
| Net operating income | $-680,000 | 8,845 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $508,000 | 8,484 |
| Total interest expense | $189,000 | 7,860 |
| Net interest income | $319,000 | 8,608 |
| Provision for loan and lease losses | $168,000 | 2,528 |
| Total noninterest income | $39,000 | 8,417 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $22,000 | 7,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $17,000 | 7,905 |
| Total noninterest expense | $752,000 | 6,886 |
| Salaries and employee benefits | $391,000 | 6,999 |
| Premises and equipment expense | $114,000 | 6,459 |
| Additional noninterest expense | $247,000 | 6,570 |
| Pre-tax net operating income | $-562,000 | 8,924 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-562,000 | 8,950 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-562,000 | 8,951 |
| 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 | $4,000 | 602 |
| Net operating income | $-562,000 | 8,933 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $198,000 | 8,721 |
| Total interest expense | $67,000 | 8,379 |
| Net interest income | $131,000 | 8,772 |
| Provision for loan and lease losses | $71,000 | 2,746 |
| Total noninterest income | $9,000 | 8,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $395,000 | 6,799 |
| Salaries and employee benefits | $200,000 | 6,988 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $141,000 | 6,189 |
| Pre-tax net operating income | $-326,000 | 8,980 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-326,000 | 9,011 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-326,000 | 9,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 431 |
| Net operating income | $-326,000 | 8,985 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $64,000 | 9,128 |
| Total interest expense | $26,000 | 9,080 |
| Net interest income | $38,000 | 9,136 |
| Provision for loan and lease losses | $37,000 | 6,587 |
| Total noninterest income | $1,000 | 9,125 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,000 | 9,013 |
| Total noninterest expense | $693,000 | 8,466 |
| Salaries and employee benefits | $240,000 | 8,927 |
| Premises and equipment expense | $53,000 | 8,720 |
| Additional noninterest expense | $400,000 | 7,159 |
| Pre-tax net operating income | $-691,000 | 8,893 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-691,000 | 8,966 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-691,000 | 8,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $9,968,000 | 90 |
| Net operating income | $-691,000 | 8,910 |
* 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.