Home > New Horizons Bank > Income and Expense
New Horizons Bank, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $922,000 | 5,463 |
| Total interest expense | $405,000 | 3,570 |
| Net interest income | $517,000 | 6,120 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $-98,000 | 7,424 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $22,000 | 5,670 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-120,000 | 7,383 |
| Total noninterest expense | $920,000 | 4,422 |
| Salaries and employee benefits | $370,000 | 5,074 |
| Premises and equipment expense | $86,000 | 5,068 |
| Additional noninterest expense | $464,000 | 3,373 |
| Pre-tax net operating income | $-501,000 | 7,079 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-501,000 | 7,126 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-501,000 | 7,127 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-501,000 | 7,127 |
| Net charge-offs | $218,000 | 2,050 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-501,000 | 7,121 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,205,000 | 4,706 |
| Total interest expense | $2,200,000 | 3,305 |
| Net interest income | $3,005,000 | 5,353 |
| Provision for loan and lease losses | $5,717,000 | 1,039 |
| Total noninterest income | $-451,000 | 7,481 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $100,000 | 5,479 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-551,000 | 7,413 |
| Total noninterest expense | $3,797,000 | 4,354 |
| Salaries and employee benefits | $1,505,000 | 5,049 |
| Premises and equipment expense | $369,000 | 4,942 |
| Additional noninterest expense | $1,923,000 | 3,361 |
| Pre-tax net operating income | $-6,960,000 | 7,229 |
| Securities gains (losses) | $34,000 | 2,877 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,926,000 | 7,279 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,926,000 | 7,279 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,926,000 | 7,279 |
| Net charge-offs | $6,643,000 | 820 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-6,960,000 | 7,263 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,983,000 | 4,741 |
| Total interest expense | $1,736,000 | 3,302 |
| Net interest income | $2,247,000 | 5,426 |
| Provision for loan and lease losses | $2,736,000 | 1,344 |
| Total noninterest income | $-483,000 | 7,639 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $75,000 | 5,574 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-558,000 | 7,588 |
| Total noninterest expense | $2,707,000 | 4,519 |
| Salaries and employee benefits | $1,082,000 | 5,195 |
| Premises and equipment expense | $291,000 | 4,897 |
| Additional noninterest expense | $1,334,000 | 3,536 |
| Pre-tax net operating income | $-3,679,000 | 7,275 |
| Securities gains (losses) | $34,000 | 2,661 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-3,645,000 | 7,334 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,645,000 | 7,334 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,645,000 | 7,334 |
| Net charge-offs | $3,950,000 | 920 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,679,000 | 7,324 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 4,686 |
| Total interest expense | $1,212,000 | 3,278 |
| Net interest income | $1,537,000 | 5,377 |
| Provision for loan and lease losses | $363,000 | 3,334 |
| Total noninterest income | $-523,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $49,000 | 5,620 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-572,000 | 7,722 |
| Total noninterest expense | $1,827,000 | 4,499 |
| Salaries and employee benefits | $723,000 | 5,209 |
| Premises and equipment expense | $192,000 | 4,970 |
| Additional noninterest expense | $912,000 | 3,458 |
| Pre-tax net operating income | $-1,176,000 | 7,077 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,176,000 | 7,149 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,176,000 | 7,148 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,176,000 | 7,149 |
| Net charge-offs | $440,000 | 2,593 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,176,000 | 7,126 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 4,686 |
| Total interest expense | $635,000 | 3,292 |
| Net interest income | $768,000 | 5,414 |
| Provision for loan and lease losses | $213,000 | 2,908 |
| Total noninterest income | $-65,000 | 7,773 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $22,000 | 5,793 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-87,000 | 7,724 |
| Total noninterest expense | $849,000 | 4,746 |
| Salaries and employee benefits | $367,000 | 5,221 |
| Premises and equipment expense | $98,000 | 4,997 |
| Additional noninterest expense | $384,000 | 3,905 |
| Pre-tax net operating income | $-359,000 | 7,052 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-359,000 | 7,142 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-359,000 | 7,145 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-359,000 | 7,143 |
| Net charge-offs | $81,000 | 3,299 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-359,000 | 7,112 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,495,000 | 4,386 |
| Total interest expense | $3,578,000 | 3,000 |
| Net interest income | $2,917,000 | 5,457 |
| Provision for loan and lease losses | $2,883,000 | 2,033 |
| Total noninterest income | $-189,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $59,000 | 6,342 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-248,000 | 7,714 |
| Total noninterest expense | $3,222,000 | 4,977 |
| Salaries and employee benefits | $1,486,000 | 5,230 |
| Premises and equipment expense | $361,000 | 5,250 |
| Additional noninterest expense | $1,375,000 | 4,324 |
| Pre-tax net operating income | $-3,377,000 | 6,962 |
| Securities gains (losses) | $256,000 | 1,363 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-3,121,000 | 7,017 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,121,000 | 7,015 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,121,000 | 7,016 |
| Net charge-offs | $1,832,000 | 2,139 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,377,000 | 7,062 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,041,000 | 4,340 |
| Total interest expense | $2,856,000 | 2,968 |
| Net interest income | $2,185,000 | 5,474 |
| Provision for loan and lease losses | $650,000 | 3,400 |
| Total noninterest income | $-168,000 | 7,947 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $41,000 | 6,447 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-209,000 | 7,875 |
| Total noninterest expense | $2,270,000 | 5,172 |
| Salaries and employee benefits | $1,147,000 | 5,182 |
| Premises and equipment expense | $262,000 | 5,363 |
| Additional noninterest expense | $861,000 | 4,845 |
| Pre-tax net operating income | $-903,000 | 6,606 |
| Securities gains (losses) | $134,000 | 1,599 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-769,000 | 6,609 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-769,000 | 6,610 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-769,000 | 6,610 |
| Net charge-offs | $627,000 | 2,755 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-903,000 | 6,691 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,436,000 | 4,320 |
| Total interest expense | $2,012,000 | 2,947 |
| Net interest income | $1,424,000 | 5,547 |
| Provision for loan and lease losses | $420,000 | 3,197 |
| Total noninterest income | $-18,000 | 7,996 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $29,000 | 6,437 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-47,000 | 7,908 |
| Total noninterest expense | $1,582,000 | 5,089 |
| Salaries and employee benefits | $794,000 | 5,123 |
| Premises and equipment expense | $174,000 | 5,423 |
| Additional noninterest expense | $614,000 | 4,657 |
| Pre-tax net operating income | $-596,000 | 6,721 |
| Securities gains (losses) | $134,000 | 1,273 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-462,000 | 6,725 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-462,000 | 6,726 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-462,000 | 6,726 |
| Net charge-offs | $521,000 | 2,306 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-596,000 | 6,839 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,775,000 | 4,272 |
| Total interest expense | $1,006,000 | 3,034 |
| Net interest income | $769,000 | 5,334 |
| Provision for loan and lease losses | $420,000 | 1,952 |
| Total noninterest income | $82,000 | 5,536 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $65,000 | 4,382 |
| Total noninterest expense | $744,000 | 5,208 |
| Salaries and employee benefits | $401,000 | 5,141 |
| Premises and equipment expense | $90,000 | 5,382 |
| Additional noninterest expense | $253,000 | 4,920 |
| Pre-tax net operating income | $-313,000 | 7,083 |
| Securities gains (losses) | $134,000 | 857 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-179,000 | 6,997 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-179,000 | 6,998 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-179,000 | 6,998 |
| Net charge-offs | $480,000 | 1,393 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-313,000 | 7,173 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,277,000 | 4,046 |
| Total interest expense | $4,640,000 | 3,172 |
| Net interest income | $3,637,000 | 4,867 |
| Provision for loan and lease losses | $1,204,000 | 2,451 |
| Total noninterest income | $-232,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 6,172 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-314,000 | 8,193 |
| Total noninterest expense | $2,838,000 | 5,298 |
| Salaries and employee benefits | $1,544,000 | 5,256 |
| Premises and equipment expense | $321,000 | 5,631 |
| Additional noninterest expense | $973,000 | 4,901 |
| Pre-tax net operating income | $-637,000 | 6,833 |
| Securities gains (losses) | $26,000 | 2,023 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-611,000 | 6,776 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-611,000 | 6,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 3,441 |
| Cash dividends | $133,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-637,000 | 6,923 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,361,000 | 4,027 |
| Total interest expense | $3,577,000 | 3,195 |
| Net interest income | $2,784,000 | 4,832 |
| Provision for loan and lease losses | $390,000 | 3,123 |
| Total noninterest income | $-183,000 | 8,314 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $63,000 | 6,163 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-246,000 | 8,312 |
| Total noninterest expense | $2,127,000 | 5,279 |
| Salaries and employee benefits | $1,148,000 | 5,298 |
| Premises and equipment expense | $238,000 | 5,685 |
| Additional noninterest expense | $741,000 | 4,780 |
| Pre-tax net operating income | $84,000 | 6,458 |
| Securities gains (losses) | $26,000 | 1,844 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $110,000 | 6,124 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $110,000 | 6,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,670 |
| Cash dividends | $133,000 | 4,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $84,000 | 6,405 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,328,000 | 4,028 |
| Total interest expense | $2,488,000 | 3,201 |
| Net interest income | $1,840,000 | 4,875 |
| Provision for loan and lease losses | $305,000 | 2,501 |
| Total noninterest income | $54,000 | 7,399 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $43,000 | 6,136 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $11,000 | 7,625 |
| Total noninterest expense | $1,420,000 | 5,300 |
| Salaries and employee benefits | $769,000 | 5,338 |
| Premises and equipment expense | $157,000 | 5,743 |
| Additional noninterest expense | $494,000 | 4,763 |
| Pre-tax net operating income | $169,000 | 6,009 |
| Securities gains (losses) | $26,000 | 1,879 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $195,000 | 5,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,459 |
| Cash dividends | $133,000 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $169,000 | 5,775 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,261,000 | 3,991 |
| Total interest expense | $1,322,000 | 3,204 |
| Net interest income | $939,000 | 4,837 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $41,000 | 6,929 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 6,522 |
| Total noninterest expense | $725,000 | 5,250 |
| Salaries and employee benefits | $390,000 | 5,322 |
| Premises and equipment expense | $78,000 | 5,785 |
| Additional noninterest expense | $257,000 | 4,594 |
| Pre-tax net operating income | $150,000 | 5,436 |
| Securities gains (losses) | $26,000 | 1,452 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $176,000 | 4,943 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $176,000 | 4,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,134 |
| Cash dividends | $133,000 | 2,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $150,000 | 5,102 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,275,000 | 3,966 |
| Total interest expense | $5,351,000 | 3,299 |
| Net interest income | $3,924,000 | 4,683 |
| Provision for loan and lease losses | $332,000 | 3,013 |
| Total noninterest income | $225,000 | 6,570 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $89,000 | 6,181 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $136,000 | 5,738 |
| Total noninterest expense | $2,776,000 | 5,255 |
| Salaries and employee benefits | $1,492,000 | 5,320 |
| Premises and equipment expense | $365,000 | 5,290 |
| Additional noninterest expense | $919,000 | 4,911 |
| Pre-tax net operating income | $1,041,000 | 4,657 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,041,000 | 4,222 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,041,000 | 4,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,381 |
| Cash dividends | $215,000 | 4,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,041,000 | 4,218 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,840,000 | 4,015 |
| Total interest expense | $3,934,000 | 3,339 |
| Net interest income | $2,906,000 | 4,734 |
| Provision for loan and lease losses | $230,000 | 2,752 |
| Total noninterest income | $152,000 | 6,759 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 6,215 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $86,000 | 6,048 |
| Total noninterest expense | $2,093,000 | 5,210 |
| Salaries and employee benefits | $1,130,000 | 5,272 |
| Premises and equipment expense | $283,000 | 5,175 |
| Additional noninterest expense | $680,000 | 4,881 |
| Pre-tax net operating income | $735,000 | 5,030 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $735,000 | 4,533 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $735,000 | 4,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,530 |
| Cash dividends | $107,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $735,000 | 4,533 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,368,000 | 4,158 |
| Total interest expense | $2,499,000 | 3,460 |
| Net interest income | $1,869,000 | 4,876 |
| Provision for loan and lease losses | $172,000 | 2,420 |
| Total noninterest income | $84,000 | 7,064 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $47,000 | 6,168 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $37,000 | 6,715 |
| Total noninterest expense | $1,359,000 | 5,333 |
| Salaries and employee benefits | $735,000 | 5,391 |
| Premises and equipment expense | $204,000 | 4,975 |
| Additional noninterest expense | $420,000 | 5,123 |
| Pre-tax net operating income | $422,000 | 5,404 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $422,000 | 4,941 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $422,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,876 |
| Cash dividends | $107,000 | 4,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $422,000 | 4,940 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,113,000 | 4,235 |
| Total interest expense | $1,211,000 | 3,512 |
| Net interest income | $902,000 | 4,985 |
| Provision for loan and lease losses | $32,000 | 3,691 |
| Total noninterest income | $73,000 | 6,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $25,000 | 6,052 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $48,000 | 5,190 |
| Total noninterest expense | $638,000 | 5,568 |
| Salaries and employee benefits | $353,000 | 5,562 |
| Premises and equipment expense | $102,000 | 4,980 |
| Additional noninterest expense | $183,000 | 5,540 |
| Pre-tax net operating income | $305,000 | 4,608 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $305,000 | 4,128 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $305,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $305,000 | 4,105 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,133,000 | 4,511 |
| Total interest expense | $3,904,000 | 3,655 |
| Net interest income | $3,229,000 | 5,310 |
| Provision for loan and lease losses | $259,000 | 3,039 |
| Total noninterest income | $318,000 | 6,059 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $73,000 | 6,538 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $245,000 | 4,698 |
| Total noninterest expense | $2,204,000 | 5,870 |
| Salaries and employee benefits | $1,239,000 | 5,808 |
| Premises and equipment expense | $372,000 | 5,149 |
| Additional noninterest expense | $593,000 | 6,090 |
| Pre-tax net operating income | $1,084,000 | 5,009 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,084,000 | 4,527 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,084,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,084,000 | 4,512 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,068,000 | 4,654 |
| Total interest expense | $2,727,000 | 3,748 |
| Net interest income | $2,341,000 | 5,451 |
| Provision for loan and lease losses | $227,000 | 2,590 |
| Total noninterest income | $229,000 | 6,200 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $55,000 | 6,616 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,834 |
| Total noninterest expense | $1,636,000 | 5,894 |
| Salaries and employee benefits | $929,000 | 5,781 |
| Premises and equipment expense | $274,000 | 5,213 |
| Additional noninterest expense | $433,000 | 6,174 |
| Pre-tax net operating income | $707,000 | 5,509 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $707,000 | 4,986 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $707,000 | 4,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $707,000 | 4,984 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,148,000 | 4,803 |
| Total interest expense | $1,661,000 | 3,859 |
| Net interest income | $1,487,000 | 5,622 |
| Provision for loan and lease losses | $171,000 | 2,390 |
| Total noninterest income | $153,000 | 6,200 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $36,000 | 6,669 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 4,796 |
| Total noninterest expense | $1,077,000 | 5,941 |
| Salaries and employee benefits | $616,000 | 5,825 |
| Premises and equipment expense | $183,000 | 5,213 |
| Additional noninterest expense | $278,000 | 6,299 |
| Pre-tax net operating income | $392,000 | 5,940 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $392,000 | 5,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $392,000 | 5,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $392,000 | 5,426 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 5,001 |
| Total interest expense | $759,000 | 3,959 |
| Net interest income | $692,000 | 5,835 |
| Provision for loan and lease losses | $124,000 | 1,710 |
| Total noninterest income | $64,000 | 6,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $17,000 | 6,702 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,227 |
| Total noninterest expense | $527,000 | 6,025 |
| Salaries and employee benefits | $302,000 | 5,911 |
| Premises and equipment expense | $91,000 | 5,241 |
| Additional noninterest expense | $134,000 | 6,380 |
| Pre-tax net operating income | $105,000 | 6,994 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $105,000 | 6,660 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 6,661 |
| 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 | $105,000 | 6,651 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 6,150 |
| Total interest expense | $1,752,000 | 4,824 |
| Net interest income | $1,796,000 | 6,887 |
| Provision for loan and lease losses | $385,000 | 2,339 |
| Total noninterest income | $175,000 | 7,266 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $37,000 | 7,277 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $138,000 | 5,869 |
| Total noninterest expense | $1,879,000 | 6,306 |
| Salaries and employee benefits | $1,008,000 | 6,332 |
| Premises and equipment expense | $312,000 | 5,612 |
| Additional noninterest expense | $559,000 | 6,258 |
| Pre-tax net operating income | $-293,000 | 8,425 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-293,000 | 8,460 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-293,000 | 8,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-293,000 | 8,440 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,320,000 | 6,520 |
| Total interest expense | $1,114,000 | 5,150 |
| Net interest income | $1,206,000 | 7,187 |
| Provision for loan and lease losses | $297,000 | 2,224 |
| Total noninterest income | $119,000 | 7,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 7,393 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 6,008 |
| Total noninterest expense | $1,401,000 | 6,297 |
| Salaries and employee benefits | $734,000 | 6,401 |
| Premises and equipment expense | $237,000 | 5,587 |
| Additional noninterest expense | $430,000 | 6,162 |
| Pre-tax net operating income | $-373,000 | 8,565 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-373,000 | 8,601 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-373,000 | 8,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-373,000 | 8,572 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,322,000 | 6,858 |
| Total interest expense | $614,000 | 5,509 |
| Net interest income | $708,000 | 7,458 |
| Provision for loan and lease losses | $215,000 | 2,028 |
| Total noninterest income | $73,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $13,000 | 7,465 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $60,000 | 6,128 |
| Total noninterest expense | $930,000 | 6,304 |
| Salaries and employee benefits | $475,000 | 6,487 |
| Premises and equipment expense | $152,000 | 5,667 |
| Additional noninterest expense | $303,000 | 5,967 |
| Pre-tax net operating income | $-364,000 | 8,626 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-364,000 | 8,669 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-364,000 | 8,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-364,000 | 8,642 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $569,000 | 7,224 |
| Total interest expense | $254,000 | 5,922 |
| Net interest income | $315,000 | 7,744 |
| Provision for loan and lease losses | $107,000 | 1,919 |
| Total noninterest income | $40,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $5,000 | 7,590 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,892 |
| Total noninterest expense | $465,000 | 6,340 |
| Salaries and employee benefits | $231,000 | 6,603 |
| Premises and equipment expense | $73,000 | 5,831 |
| Additional noninterest expense | $161,000 | 5,778 |
| Pre-tax net operating income | $-217,000 | 8,737 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-217,000 | 8,763 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-217,000 | 8,763 |
| 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 | $0 | 491 |
| Net operating income | $-217,000 | 8,745 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $750,000 | 8,609 |
| Total interest expense | $293,000 | 8,132 |
| Net interest income | $457,000 | 8,681 |
| Provision for loan and lease losses | $264,000 | 3,159 |
| Total noninterest income | $28,000 | 8,736 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $5,000 | 7,833 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,000 | 8,128 |
| Total noninterest expense | $1,247,000 | 7,363 |
| Salaries and employee benefits | $677,000 | 7,368 |
| Premises and equipment expense | $136,000 | 7,491 |
| Additional noninterest expense | $434,000 | 6,933 |
| Pre-tax net operating income | $-1,026,000 | 8,812 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,026,000 | 8,843 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,026,000 | 8,843 |
| 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 | $8,000,000 | 150 |
| Net operating income | $-1,026,000 | 8,820 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $344,000 | 8,838 |
| Total interest expense | $116,000 | 8,651 |
| Net interest income | $228,000 | 8,866 |
| Provision for loan and lease losses | $182,000 | 3,139 |
| Total noninterest income | $8,000 | 8,900 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,000 | 7,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,603 |
| Total noninterest expense | $865,000 | 7,495 |
| Salaries and employee benefits | $456,000 | 7,588 |
| Premises and equipment expense | $95,000 | 7,622 |
| Additional noninterest expense | $314,000 | 6,985 |
| Pre-tax net operating income | $-811,000 | 8,862 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-811,000 | 8,895 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-811,000 | 8,896 |
| 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 | $8,000,000 | 113 |
| Net operating income | $-811,000 | 8,876 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $69,000 | 9,024 |
| Total interest expense | $15,000 | 8,978 |
| Net interest income | $54,000 | 9,017 |
| Provision for loan and lease losses | $40,000 | 5,015 |
| Total noninterest income | $1,000 | 9,014 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,898 |
| Total noninterest expense | $493,000 | 7,860 |
| Salaries and employee benefits | $254,000 | 7,996 |
| Premises and equipment expense | $52,000 | 7,942 |
| Additional noninterest expense | $187,000 | 7,286 |
| Pre-tax net operating income | $-478,000 | 8,893 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-478,000 | 8,926 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-478,000 | 8,928 |
| 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 | $8,000,000 | 74 |
| Net operating income | $-478,000 | 8,904 |
* 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.