Home > Northern Star Bank > Income and Expense
Northern Star Bank, Income and Expense
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $648,000 | 6,370 |
| Total interest expense | $78,000 | 6,111 |
| Net interest income | $570,000 | 6,373 |
| Provision for loan and lease losses | $-7,000 | 6,070 |
| Total noninterest income | $292,000 | 4,718 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $22,000 | 6,097 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $270,000 | 3,795 |
| Total noninterest expense | $981,000 | 5,889 |
| Salaries and employee benefits | $341,000 | 6,266 |
| Premises and equipment expense | $198,000 | 4,944 |
| Additional noninterest expense | $442,000 | 5,457 |
| Pre-tax net operating income | $-112,000 | 6,264 |
| Securities gains (losses) | $2,000 | 2,770 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $-110,000 | 6,278 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-110,000 | 6,278 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-110,000 | 6,278 |
| Net charge-offs | $23,000 | 3,773 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-112,000 | 6,271 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $436,000 | 6,430 |
| Total interest expense | $54,000 | 6,145 |
| Net interest income | $382,000 | 6,430 |
| Provision for loan and lease losses | $-14,000 | 6,232 |
| Total noninterest income | $272,000 | 4,199 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $14,000 | 6,157 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $258,000 | 3,247 |
| Total noninterest expense | $701,000 | 5,853 |
| Salaries and employee benefits | $239,000 | 6,303 |
| Premises and equipment expense | $133,000 | 4,981 |
| Additional noninterest expense | $329,000 | 5,315 |
| Pre-tax net operating income | $-33,000 | 6,256 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-33,000 | 6,274 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-33,000 | 6,276 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-33,000 | 6,276 |
| Net charge-offs | $27,000 | 3,235 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-33,000 | 6,261 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $226,000 | 6,479 |
| Total interest expense | $28,000 | 6,202 |
| Net interest income | $198,000 | 6,484 |
| Provision for loan and lease losses | $-25,000 | 6,433 |
| Total noninterest income | $51,000 | 5,490 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $6,000 | 6,247 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $45,000 | 4,685 |
| Total noninterest expense | $338,000 | 5,964 |
| Salaries and employee benefits | $127,000 | 6,311 |
| Premises and equipment expense | $67,000 | 5,034 |
| Additional noninterest expense | $144,000 | 5,577 |
| Pre-tax net operating income | $-64,000 | 6,397 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-64,000 | 6,412 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-64,000 | 6,412 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-64,000 | 6,413 |
| Net charge-offs | $29,000 | 2,245 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-64,000 | 6,407 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $1,057,000 | 6,471 |
| Total interest expense | $125,000 | 6,296 |
| Net interest income | $932,000 | 6,464 |
| Provision for loan and lease losses | $44,000 | 4,374 |
| Total noninterest income | $85,000 | 6,280 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $26,000 | 6,345 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $59,000 | 5,770 |
| Total noninterest expense | $1,627,000 | 5,761 |
| Salaries and employee benefits | $793,000 | 5,920 |
| Premises and equipment expense | $274,000 | 5,025 |
| Additional noninterest expense | $560,000 | 5,693 |
| Pre-tax net operating income | $-654,000 | 6,508 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-654,000 | 6,522 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-654,000 | 6,523 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-654,000 | 6,523 |
| Net charge-offs | $213,000 | 2,949 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-654,000 | 6,511 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $810,000 | 6,525 |
| Total interest expense | $95,000 | 6,377 |
| Net interest income | $715,000 | 6,516 |
| Provision for loan and lease losses | $33,000 | 4,245 |
| Total noninterest income | $45,000 | 6,511 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $19,000 | 6,420 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $26,000 | 6,134 |
| Total noninterest expense | $1,258,000 | 5,754 |
| Salaries and employee benefits | $633,000 | 5,848 |
| Premises and equipment expense | $209,000 | 5,041 |
| Additional noninterest expense | $416,000 | 5,728 |
| Pre-tax net operating income | $-531,000 | 6,624 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-531,000 | 6,643 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-531,000 | 6,644 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-531,000 | 6,644 |
| Net charge-offs | $173,000 | 2,723 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-531,000 | 6,629 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $555,000 | 6,561 |
| Total interest expense | $66,000 | 6,414 |
| Net interest income | $489,000 | 6,547 |
| Provision for loan and lease losses | $22,000 | 4,218 |
| Total noninterest income | $-5,000 | 6,816 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $12,000 | 6,472 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-17,000 | 6,704 |
| Total noninterest expense | $878,000 | 5,723 |
| Salaries and employee benefits | $438,000 | 5,830 |
| Premises and equipment expense | $141,000 | 5,020 |
| Additional noninterest expense | $299,000 | 5,614 |
| Pre-tax net operating income | $-416,000 | 6,655 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-416,000 | 6,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-416,000 | 6,696 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-416,000 | 6,696 |
| Net charge-offs | $105,000 | 2,713 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-416,000 | 6,670 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $283,000 | 6,613 |
| Total interest expense | $35,000 | 6,455 |
| Net interest income | $248,000 | 6,604 |
| Provision for loan and lease losses | $11,000 | 3,962 |
| Total noninterest income | $94,000 | 4,938 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $6,000 | 6,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $88,000 | 3,948 |
| Total noninterest expense | $420,000 | 5,829 |
| Salaries and employee benefits | $222,000 | 5,858 |
| Premises and equipment expense | $71,000 | 5,034 |
| Additional noninterest expense | $127,000 | 5,937 |
| Pre-tax net operating income | $-89,000 | 6,605 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-89,000 | 6,647 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-89,000 | 6,648 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-89,000 | 6,648 |
| Net charge-offs | $-1,000 | 5,189 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-89,000 | 6,616 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,317,000 | 6,601 |
| Total interest expense | $195,000 | 6,420 |
| Net interest income | $1,122,000 | 6,593 |
| Provision for loan and lease losses | $27,000 | 5,492 |
| Total noninterest income | $440,000 | 4,684 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $52,000 | 6,183 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $388,000 | 3,671 |
| Total noninterest expense | $1,787,000 | 5,837 |
| Salaries and employee benefits | $789,000 | 6,117 |
| Premises and equipment expense | $268,000 | 5,199 |
| Additional noninterest expense | $730,000 | 5,454 |
| Pre-tax net operating income | $-252,000 | 6,382 |
| Securities gains (losses) | $10,000 | 3,374 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-242,000 | 6,480 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-242,000 | 6,475 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-242,000 | 6,477 |
| Net charge-offs | $60,000 | 4,799 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-252,000 | 6,406 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,022,000 | 6,676 |
| Total interest expense | $156,000 | 6,493 |
| Net interest income | $866,000 | 6,667 |
| Provision for loan and lease losses | $16,000 | 5,476 |
| Total noninterest income | $301,000 | 4,867 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $37,000 | 6,317 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $264,000 | 3,865 |
| Total noninterest expense | $1,345,000 | 5,883 |
| Salaries and employee benefits | $573,000 | 6,205 |
| Premises and equipment expense | $201,000 | 5,249 |
| Additional noninterest expense | $571,000 | 5,423 |
| Pre-tax net operating income | $-194,000 | 6,511 |
| Securities gains (losses) | $10,000 | 3,111 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-184,000 | 6,606 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-184,000 | 6,604 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-184,000 | 6,604 |
| Net charge-offs | $74,000 | 4,249 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-194,000 | 6,530 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $710,000 | 6,698 |
| Total interest expense | $111,000 | 6,517 |
| Net interest income | $599,000 | 6,682 |
| Provision for loan and lease losses | $9,000 | 5,395 |
| Total noninterest income | $131,000 | 5,485 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $14,000 | 6,684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 4,436 |
| Total noninterest expense | $895,000 | 5,930 |
| Salaries and employee benefits | $379,000 | 6,259 |
| Premises and equipment expense | $132,000 | 5,299 |
| Additional noninterest expense | $384,000 | 5,430 |
| Pre-tax net operating income | $-174,000 | 6,607 |
| Securities gains (losses) | $10,000 | 2,721 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-164,000 | 6,692 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-164,000 | 6,693 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-164,000 | 6,693 |
| Net charge-offs | $-14,000 | 6,719 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-174,000 | 6,619 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $367,000 | 6,721 |
| Total interest expense | $56,000 | 6,591 |
| Net interest income | $311,000 | 6,694 |
| Provision for loan and lease losses | $11,000 | 4,811 |
| Total noninterest income | $66,000 | 5,520 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $7,000 | 6,711 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $59,000 | 4,465 |
| Total noninterest expense | $433,000 | 6,018 |
| Salaries and employee benefits | $175,000 | 6,417 |
| Premises and equipment expense | $69,000 | 5,260 |
| Additional noninterest expense | $189,000 | 5,481 |
| Pre-tax net operating income | $-67,000 | 6,655 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-67,000 | 6,749 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-67,000 | 6,751 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-67,000 | 6,751 |
| Net charge-offs | $-14,000 | 6,765 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-67,000 | 6,683 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,616,000 | 6,691 |
| Total interest expense | $424,000 | 6,122 |
| Net interest income | $1,192,000 | 6,788 |
| Provision for loan and lease losses | $358,000 | 3,897 |
| Total noninterest income | $126,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $35,000 | 6,553 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $91,000 | 5,399 |
| Total noninterest expense | $1,879,000 | 5,931 |
| Salaries and employee benefits | $819,000 | 6,240 |
| Premises and equipment expense | $307,000 | 5,184 |
| Additional noninterest expense | $753,000 | 5,535 |
| Pre-tax net operating income | $-919,000 | 6,555 |
| Securities gains (losses) | $16,000 | 3,164 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-903,000 | 6,613 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-903,000 | 6,615 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-903,000 | 6,613 |
| Net charge-offs | $513,000 | 3,134 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-919,000 | 6,590 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,247,000 | 6,735 |
| Total interest expense | $350,000 | 6,086 |
| Net interest income | $897,000 | 6,839 |
| Provision for loan and lease losses | $347,000 | 3,425 |
| Total noninterest income | $51,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $26,000 | 6,599 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $25,000 | 6,271 |
| Total noninterest expense | $1,430,000 | 5,935 |
| Salaries and employee benefits | $621,000 | 6,222 |
| Premises and equipment expense | $230,000 | 5,231 |
| Additional noninterest expense | $579,000 | 5,512 |
| Pre-tax net operating income | $-829,000 | 6,739 |
| Securities gains (losses) | $15,000 | 2,920 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-814,000 | 6,800 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-814,000 | 6,801 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-814,000 | 6,800 |
| Net charge-offs | $466,000 | 2,744 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-829,000 | 6,774 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $892,000 | 6,714 |
| Total interest expense | $258,000 | 6,025 |
| Net interest income | $634,000 | 6,832 |
| Provision for loan and lease losses | $336,000 | 2,816 |
| Total noninterest income | $-48,000 | 7,269 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $17,000 | 6,640 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-65,000 | 7,155 |
| Total noninterest expense | $1,026,000 | 5,862 |
| Salaries and employee benefits | $416,000 | 6,273 |
| Premises and equipment expense | $161,000 | 5,160 |
| Additional noninterest expense | $449,000 | 5,263 |
| Pre-tax net operating income | $-776,000 | 6,903 |
| Securities gains (losses) | $11,000 | 2,322 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-765,000 | 6,956 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-765,000 | 6,955 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-765,000 | 6,956 |
| Net charge-offs | $419,000 | 2,318 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-776,000 | 6,944 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $486,000 | 6,658 |
| Total interest expense | $129,000 | 6,117 |
| Net interest income | $357,000 | 6,726 |
| Provision for loan and lease losses | $261,000 | 2,134 |
| Total noninterest income | $47,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $9,000 | 6,596 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $38,000 | 5,072 |
| Total noninterest expense | $473,000 | 6,050 |
| Salaries and employee benefits | $212,000 | 6,281 |
| Premises and equipment expense | $88,000 | 5,007 |
| Additional noninterest expense | $173,000 | 5,866 |
| Pre-tax net operating income | $-330,000 | 6,966 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-330,000 | 7,016 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-330,000 | 7,016 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-330,000 | 7,016 |
| Net charge-offs | $259,000 | 1,887 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-330,000 | 7,001 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,090,000 | 6,669 |
| Total interest expense | $643,000 | 6,128 |
| Net interest income | $1,447,000 | 6,771 |
| Provision for loan and lease losses | $1,334,000 | 2,628 |
| Total noninterest income | $371,000 | 5,080 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 6,482 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $338,000 | 3,781 |
| Total noninterest expense | $2,301,000 | 5,692 |
| Salaries and employee benefits | $896,000 | 6,235 |
| Premises and equipment expense | $423,000 | 4,615 |
| Additional noninterest expense | $982,000 | 5,140 |
| Pre-tax net operating income | $-1,817,000 | 6,728 |
| Securities gains (losses) | $51,000 | 2,642 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,766,000 | 6,801 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,766,000 | 6,802 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,766,000 | 6,802 |
| Net charge-offs | $1,433,000 | 2,229 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,817,000 | 6,786 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 6,717 |
| Total interest expense | $501,000 | 6,207 |
| Net interest income | $1,119,000 | 6,815 |
| Provision for loan and lease losses | $1,253,000 | 2,210 |
| Total noninterest income | $282,000 | 5,145 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $26,000 | 6,547 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $256,000 | 3,801 |
| Total noninterest expense | $1,799,000 | 5,635 |
| Salaries and employee benefits | $659,000 | 6,312 |
| Premises and equipment expense | $314,000 | 4,722 |
| Additional noninterest expense | $826,000 | 4,835 |
| Pre-tax net operating income | $-1,651,000 | 6,991 |
| Securities gains (losses) | $39,000 | 2,572 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,612,000 | 7,070 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,612,000 | 7,068 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,612,000 | 7,070 |
| Net charge-offs | $1,128,000 | 2,052 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,651,000 | 7,044 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,083,000 | 6,770 |
| Total interest expense | $342,000 | 6,252 |
| Net interest income | $741,000 | 6,871 |
| Provision for loan and lease losses | $201,000 | 4,211 |
| Total noninterest income | $105,000 | 6,002 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $17,000 | 6,587 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $88,000 | 4,822 |
| Total noninterest expense | $1,153,000 | 5,758 |
| Salaries and employee benefits | $422,000 | 6,440 |
| Premises and equipment expense | $198,000 | 4,896 |
| Additional noninterest expense | $533,000 | 4,908 |
| Pre-tax net operating income | $-508,000 | 6,750 |
| Securities gains (losses) | $38,000 | 2,052 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-470,000 | 6,837 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-470,000 | 6,839 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-470,000 | 6,838 |
| Net charge-offs | $275,000 | 3,155 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-508,000 | 6,823 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $531,000 | 6,883 |
| Total interest expense | $176,000 | 6,324 |
| Net interest income | $355,000 | 6,990 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $72,000 | 5,598 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $8,000 | 6,669 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $64,000 | 4,285 |
| Total noninterest expense | $627,000 | 5,622 |
| Salaries and employee benefits | $214,000 | 6,483 |
| Premises and equipment expense | $104,000 | 4,851 |
| Additional noninterest expense | $309,000 | 4,501 |
| Pre-tax net operating income | $-230,000 | 6,878 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-230,000 | 6,977 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-230,000 | 6,978 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-230,000 | 6,977 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-230,000 | 6,940 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,586,000 | 6,627 |
| Total interest expense | $1,187,000 | 5,680 |
| Net interest income | $1,399,000 | 7,020 |
| Provision for loan and lease losses | $552,000 | 4,382 |
| Total noninterest income | $371,000 | 5,248 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $41,000 | 6,625 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $330,000 | 3,848 |
| Total noninterest expense | $1,940,000 | 6,303 |
| Salaries and employee benefits | $846,000 | 6,594 |
| Premises and equipment expense | $312,000 | 5,555 |
| Additional noninterest expense | $782,000 | 5,872 |
| Pre-tax net operating income | $-722,000 | 6,126 |
| Securities gains (losses) | $47,000 | 2,659 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-675,000 | 6,182 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-675,000 | 6,181 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-675,000 | 6,181 |
| Net charge-offs | $106,000 | 5,640 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-722,000 | 6,221 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 6,610 |
| Total interest expense | $961,000 | 5,655 |
| Net interest income | $1,067,000 | 7,031 |
| Provision for loan and lease losses | $532,000 | 3,708 |
| Total noninterest income | $302,000 | 5,186 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $31,000 | 6,661 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $271,000 | 3,775 |
| Total noninterest expense | $1,428,000 | 6,362 |
| Salaries and employee benefits | $622,000 | 6,658 |
| Premises and equipment expense | $229,000 | 5,667 |
| Additional noninterest expense | $577,000 | 5,915 |
| Pre-tax net operating income | $-591,000 | 6,398 |
| Securities gains (losses) | $47,000 | 2,339 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-544,000 | 6,463 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-544,000 | 6,464 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-544,000 | 6,463 |
| Net charge-offs | $89,000 | 5,162 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-591,000 | 6,488 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,390,000 | 6,625 |
| Total interest expense | $677,000 | 5,644 |
| Net interest income | $713,000 | 7,069 |
| Provision for loan and lease losses | $528,000 | 2,902 |
| Total noninterest income | $230,000 | 4,975 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $18,000 | 6,781 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $212,000 | 3,569 |
| Total noninterest expense | $1,000,000 | 6,295 |
| Salaries and employee benefits | $430,000 | 6,663 |
| Premises and equipment expense | $153,000 | 5,705 |
| Additional noninterest expense | $417,000 | 5,727 |
| Pre-tax net operating income | $-585,000 | 6,710 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-585,000 | 6,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-585,000 | 6,838 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-585,000 | 6,838 |
| Net charge-offs | $90,000 | 4,361 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-585,000 | 6,826 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $755,000 | 6,498 |
| Total interest expense | $362,000 | 5,598 |
| Net interest income | $393,000 | 6,899 |
| Provision for loan and lease losses | $482,000 | 1,807 |
| Total noninterest income | $115,000 | 4,956 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $9,000 | 6,767 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $106,000 | 3,571 |
| Total noninterest expense | $445,000 | 6,530 |
| Salaries and employee benefits | $182,000 | 7,039 |
| Premises and equipment expense | $73,000 | 5,857 |
| Additional noninterest expense | $190,000 | 5,731 |
| Pre-tax net operating income | $-419,000 | 7,229 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-419,000 | 7,366 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-419,000 | 7,367 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-419,000 | 7,367 |
| Net charge-offs | $83,000 | 3,063 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-419,000 | 7,331 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,184,000 | 6,501 |
| Total interest expense | $1,816,000 | 5,546 |
| Net interest income | $1,368,000 | 7,162 |
| Provision for loan and lease losses | $17,000 | 7,069 |
| Total noninterest income | $370,000 | 5,425 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $76,000 | 6,237 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $294,000 | 4,142 |
| Total noninterest expense | $1,863,000 | 6,413 |
| Salaries and employee benefits | $854,000 | 6,773 |
| Premises and equipment expense | $302,000 | 5,779 |
| Additional noninterest expense | $707,000 | 5,779 |
| Pre-tax net operating income | $-142,000 | 6,496 |
| Securities gains (losses) | $4,000 | 2,823 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-138,000 | 6,408 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-138,000 | 6,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,362 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-142,000 | 6,563 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,480,000 | 6,489 |
| Total interest expense | $1,416,000 | 5,587 |
| Net interest income | $1,064,000 | 7,170 |
| Provision for loan and lease losses | $-6,000 | 8,264 |
| Total noninterest income | $263,000 | 5,633 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $60,000 | 6,226 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $203,000 | 4,383 |
| Total noninterest expense | $1,379,000 | 6,436 |
| Salaries and employee benefits | $650,000 | 6,736 |
| Premises and equipment expense | $227,000 | 5,781 |
| Additional noninterest expense | $502,000 | 5,901 |
| Pre-tax net operating income | $-46,000 | 6,833 |
| Securities gains (losses) | $4,000 | 2,700 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-42,000 | 6,685 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-42,000 | 6,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,089 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-46,000 | 6,863 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,672,000 | 6,530 |
| Total interest expense | $971,000 | 5,651 |
| Net interest income | $701,000 | 7,202 |
| Provision for loan and lease losses | $5,000 | 6,509 |
| Total noninterest income | $176,000 | 5,698 |
| 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 | $133,000 | 4,505 |
| Total noninterest expense | $890,000 | 6,562 |
| Salaries and employee benefits | $427,000 | 6,825 |
| Premises and equipment expense | $150,000 | 5,831 |
| Additional noninterest expense | $313,000 | 6,080 |
| Pre-tax net operating income | $-18,000 | 7,000 |
| Securities gains (losses) | $4,000 | 2,798 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-14,000 | 7,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-14,000 | 7,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-18,000 | 7,032 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $854,000 | 6,568 |
| Total interest expense | $506,000 | 5,727 |
| Net interest income | $348,000 | 7,257 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $52,000 | 6,602 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $23,000 | 6,062 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,952 |
| Total noninterest expense | $415,000 | 6,728 |
| Salaries and employee benefits | $198,000 | 7,026 |
| Premises and equipment expense | $71,000 | 6,004 |
| Additional noninterest expense | $146,000 | 6,249 |
| Pre-tax net operating income | $-15,000 | 7,257 |
| Securities gains (losses) | $4,000 | 2,294 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-11,000 | 7,340 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-11,000 | 7,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-15,000 | 7,286 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,482,000 | 6,529 |
| Total interest expense | $1,940,000 | 5,890 |
| Net interest income | $1,542,000 | 7,065 |
| Provision for loan and lease losses | $100,000 | 4,892 |
| Total noninterest income | $251,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $65,000 | 6,517 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $186,000 | 5,209 |
| Total noninterest expense | $2,082,000 | 6,116 |
| Salaries and employee benefits | $1,010,000 | 6,406 |
| Premises and equipment expense | $317,000 | 5,658 |
| Additional noninterest expense | $755,000 | 5,534 |
| Pre-tax net operating income | $-389,000 | 7,746 |
| Securities gains (losses) | $8,000 | 1,417 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-381,000 | 7,826 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-381,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,123 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-389,000 | 7,808 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 6,562 |
| Total interest expense | $1,451,000 | 5,930 |
| Net interest income | $1,168,000 | 7,093 |
| Provision for loan and lease losses | $99,000 | 4,145 |
| Total noninterest income | $172,000 | 6,581 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,605 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $126,000 | 5,394 |
| Total noninterest expense | $1,601,000 | 6,022 |
| Salaries and employee benefits | $776,000 | 6,349 |
| Premises and equipment expense | $242,000 | 5,589 |
| Additional noninterest expense | $583,000 | 5,385 |
| Pre-tax net operating income | $-360,000 | 7,996 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-360,000 | 8,055 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-360,000 | 8,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-360,000 | 8,038 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,778,000 | 6,564 |
| Total interest expense | $975,000 | 5,930 |
| Net interest income | $803,000 | 7,079 |
| Provision for loan and lease losses | $99,000 | 3,328 |
| Total noninterest income | $128,000 | 6,426 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $27,000 | 6,756 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $101,000 | 5,106 |
| Total noninterest expense | $1,140,000 | 5,870 |
| Salaries and employee benefits | $540,000 | 6,314 |
| Premises and equipment expense | $164,000 | 5,596 |
| Additional noninterest expense | $436,000 | 5,001 |
| Pre-tax net operating income | $-308,000 | 8,162 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-308,000 | 8,211 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-308,000 | 8,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-308,000 | 8,200 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $930,000 | 6,470 |
| Total interest expense | $494,000 | 5,890 |
| Net interest income | $436,000 | 6,924 |
| Provision for loan and lease losses | $196,000 | 1,187 |
| Total noninterest income | $60,000 | 6,528 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $14,000 | 6,735 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $529,000 | 6,140 |
| Salaries and employee benefits | $272,000 | 6,334 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $175,000 | 5,662 |
| Pre-tax net operating income | $-229,000 | 8,335 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-229,000 | 8,361 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-229,000 | 8,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-229,000 | 8,351 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,230,000 | 6,608 |
| Total interest expense | $1,571,000 | 6,001 |
| Net interest income | $1,659,000 | 6,978 |
| Provision for loan and lease losses | $218,000 | 3,381 |
| Total noninterest income | $305,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $72,000 | 6,550 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $233,000 | 4,824 |
| Total noninterest expense | $1,929,000 | 6,253 |
| Salaries and employee benefits | $939,000 | 6,558 |
| Premises and equipment expense | $349,000 | 5,333 |
| Additional noninterest expense | $641,000 | 5,876 |
| Pre-tax net operating income | $-183,000 | 8,106 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-183,000 | 8,134 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-183,000 | 8,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,665 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-183,000 | 8,125 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 6,750 |
| Total interest expense | $1,093,000 | 6,134 |
| Net interest income | $1,219,000 | 7,101 |
| Provision for loan and lease losses | $203,000 | 2,846 |
| Total noninterest income | $244,000 | 6,065 |
| 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 | $189,000 | 4,650 |
| Total noninterest expense | $1,454,000 | 6,243 |
| Salaries and employee benefits | $702,000 | 6,565 |
| Premises and equipment expense | $264,000 | 5,308 |
| Additional noninterest expense | $488,000 | 5,836 |
| Pre-tax net operating income | $-194,000 | 8,297 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-194,000 | 8,318 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-194,000 | 8,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,223 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-194,000 | 8,312 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 6,778 |
| Total interest expense | $693,000 | 6,157 |
| Net interest income | $828,000 | 7,118 |
| Provision for loan and lease losses | $203,000 | 2,086 |
| Total noninterest income | $182,000 | 5,832 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $39,000 | 6,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $143,000 | 4,389 |
| Total noninterest expense | $964,000 | 6,274 |
| Salaries and employee benefits | $458,000 | 6,655 |
| Premises and equipment expense | $179,000 | 5,266 |
| Additional noninterest expense | $327,000 | 5,818 |
| Pre-tax net operating income | $-157,000 | 8,379 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-157,000 | 8,392 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-157,000 | 8,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,101 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-157,000 | 8,392 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $737,000 | 6,827 |
| Total interest expense | $326,000 | 6,204 |
| Net interest income | $411,000 | 7,152 |
| Provision for loan and lease losses | $1,000 | 5,956 |
| Total noninterest income | $92,000 | 5,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $73,000 | 4,340 |
| Total noninterest expense | $485,000 | 6,266 |
| Salaries and employee benefits | $219,000 | 6,769 |
| Premises and equipment expense | $88,000 | 5,343 |
| Additional noninterest expense | $178,000 | 5,545 |
| Pre-tax net operating income | $17,000 | 8,059 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $17,000 | 8,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $17,000 | 8,022 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 6,762 |
| Total interest expense | $1,145,000 | 5,946 |
| Net interest income | $1,648,000 | 7,098 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $345,000 | 6,045 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $67,000 | 6,794 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $278,000 | 4,507 |
| Total noninterest expense | $1,977,000 | 6,148 |
| Salaries and employee benefits | $963,000 | 6,472 |
| Premises and equipment expense | $334,000 | 5,428 |
| Additional noninterest expense | $680,000 | 5,675 |
| Pre-tax net operating income | $-84,000 | 8,328 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-84,000 | 8,355 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-84,000 | 8,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,016 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-84,000 | 8,328 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,043,000 | 6,820 |
| Total interest expense | $818,000 | 5,956 |
| Net interest income | $1,225,000 | 7,152 |
| Provision for loan and lease losses | $75,000 | 4,689 |
| Total noninterest income | $265,000 | 6,032 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $50,000 | 6,852 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $215,000 | 4,440 |
| Total noninterest expense | $1,552,000 | 5,957 |
| Salaries and employee benefits | $807,000 | 6,102 |
| Premises and equipment expense | $253,000 | 5,393 |
| Additional noninterest expense | $492,000 | 5,754 |
| Pre-tax net operating income | $-137,000 | 8,449 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-137,000 | 8,481 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-137,000 | 8,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,298 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-137,000 | 8,452 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,329,000 | 6,844 |
| Total interest expense | $512,000 | 5,972 |
| Net interest income | $817,000 | 7,145 |
| Provision for loan and lease losses | $67,000 | 3,991 |
| Total noninterest income | $197,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $33,000 | 6,850 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $164,000 | 4,121 |
| Total noninterest expense | $1,053,000 | 5,889 |
| Salaries and employee benefits | $563,000 | 5,952 |
| Premises and equipment expense | $166,000 | 5,420 |
| Additional noninterest expense | $324,000 | 5,772 |
| Pre-tax net operating income | $-106,000 | 8,493 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-106,000 | 8,518 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-106,000 | 8,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 1,844 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-106,000 | 8,494 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 6,835 |
| Total interest expense | $253,000 | 5,933 |
| Net interest income | $418,000 | 7,150 |
| Provision for loan and lease losses | $4,000 | 5,908 |
| Total noninterest income | $92,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $77,000 | 4,262 |
| Total noninterest expense | $550,000 | 5,778 |
| Salaries and employee benefits | $304,000 | 5,746 |
| Premises and equipment expense | $79,000 | 5,599 |
| Additional noninterest expense | $167,000 | 5,653 |
| Pre-tax net operating income | $-44,000 | 8,564 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-44,000 | 8,586 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-44,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,501 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-44,000 | 8,562 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 6,662 |
| Total interest expense | $890,000 | 5,979 |
| Net interest income | $1,860,000 | 6,822 |
| Provision for loan and lease losses | $125,000 | 4,546 |
| Total noninterest income | $271,000 | 6,604 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $52,000 | 7,265 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $219,000 | 4,918 |
| Total noninterest expense | $2,321,000 | 5,537 |
| Salaries and employee benefits | $1,132,000 | 5,885 |
| Premises and equipment expense | $311,000 | 5,576 |
| Additional noninterest expense | $878,000 | 4,776 |
| Pre-tax net operating income | $-315,000 | 8,586 |
| Securities gains (losses) | $29,000 | 2,137 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-286,000 | 8,624 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-286,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 1,166 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-315,000 | 8,606 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,090,000 | 6,638 |
| Total interest expense | $661,000 | 5,984 |
| Net interest income | $1,429,000 | 6,763 |
| Provision for loan and lease losses | $125,000 | 3,916 |
| Total noninterest income | $194,000 | 6,735 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $36,000 | 7,361 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $158,000 | 5,011 |
| Total noninterest expense | $1,769,000 | 5,458 |
| Salaries and employee benefits | $856,000 | 5,810 |
| Premises and equipment expense | $235,000 | 5,534 |
| Additional noninterest expense | $678,000 | 4,643 |
| Pre-tax net operating income | $-271,000 | 8,682 |
| Securities gains (losses) | $24,000 | 2,195 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-247,000 | 8,711 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-247,000 | 8,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $603,000 | 818 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-271,000 | 8,699 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,453,000 | 6,563 |
| Total interest expense | $449,000 | 5,961 |
| Net interest income | $1,004,000 | 6,648 |
| Provision for loan and lease losses | $152,000 | 2,676 |
| Total noninterest income | $172,000 | 6,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $24,000 | 7,394 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $148,000 | 4,323 |
| Total noninterest expense | $1,213,000 | 5,400 |
| Salaries and employee benefits | $566,000 | 5,874 |
| Premises and equipment expense | $156,000 | 5,546 |
| Additional noninterest expense | $491,000 | 4,375 |
| Pre-tax net operating income | $-189,000 | 8,762 |
| Securities gains (losses) | $24,000 | 1,931 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-165,000 | 8,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-165,000 | 8,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 707 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-189,000 | 8,759 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $799,000 | 6,270 |
| Total interest expense | $235,000 | 5,876 |
| Net interest income | $564,000 | 6,344 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $71,000 | 6,540 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $59,000 | 4,776 |
| Total noninterest expense | $592,000 | 5,497 |
| Salaries and employee benefits | $263,000 | 6,155 |
| Premises and equipment expense | $76,000 | 5,660 |
| Additional noninterest expense | $253,000 | 4,280 |
| Pre-tax net operating income | $43,000 | 8,009 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $62,000 | 7,534 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $62,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 976 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $43,000 | 7,854 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,944,000 | 6,584 |
| Total interest expense | $1,111,000 | 5,814 |
| Net interest income | $1,833,000 | 6,848 |
| Provision for loan and lease losses | $362,000 | 2,766 |
| Total noninterest income | $910,000 | 3,921 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $84,000 | 6,821 |
| Trading account gains and fees | $18,000 | 147 |
| Additional Noninterest Income | $808,000 | 2,720 |
| Total noninterest expense | $2,208,000 | 5,664 |
| Salaries and employee benefits | $982,000 | 6,323 |
| Premises and equipment expense | $299,000 | 5,671 |
| Additional noninterest expense | $927,000 | 4,524 |
| Pre-tax net operating income | $173,000 | 7,916 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $173,000 | 7,896 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $173,000 | 7,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,484 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $173,000 | 7,767 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 6,638 |
| Total interest expense | $858,000 | 5,871 |
| Net interest income | $1,363,000 | 6,917 |
| Provision for loan and lease losses | $360,000 | 2,185 |
| Total noninterest income | $799,000 | 3,646 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $67,000 | 6,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $732,000 | 2,487 |
| Total noninterest expense | $1,655,000 | 5,643 |
| Salaries and employee benefits | $745,000 | 6,256 |
| Premises and equipment expense | $223,000 | 5,675 |
| Additional noninterest expense | $687,000 | 4,523 |
| Pre-tax net operating income | $147,000 | 7,988 |
| Securities gains (losses) | $14,000 | 3,164 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $161,000 | 7,833 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $161,000 | 7,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,996 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $147,000 | 7,775 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,496,000 | 6,658 |
| Total interest expense | $584,000 | 5,932 |
| Net interest income | $912,000 | 6,907 |
| Provision for loan and lease losses | $345,000 | 1,618 |
| Total noninterest income | $550,000 | 3,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $49,000 | 6,621 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $501,000 | 2,437 |
| Total noninterest expense | $1,140,000 | 5,518 |
| Salaries and employee benefits | $484,000 | 6,375 |
| Premises and equipment expense | $149,000 | 5,669 |
| Additional noninterest expense | $507,000 | 4,201 |
| Pre-tax net operating income | $-24,000 | 8,726 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-24,000 | 8,824 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-24,000 | 8,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-24,000 | 8,720 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $747,000 | 6,711 |
| Total interest expense | $304,000 | 5,901 |
| Net interest income | $443,000 | 7,005 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $212,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 6,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 2,784 |
| Total noninterest expense | $485,000 | 6,101 |
| Salaries and employee benefits | $235,000 | 6,482 |
| Premises and equipment expense | $73,000 | 5,718 |
| Additional noninterest expense | $177,000 | 5,409 |
| Pre-tax net operating income | $135,000 | 6,687 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $135,000 | 6,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $135,000 | 6,099 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 6,990 |
| Total interest expense | $1,465,000 | 5,806 |
| Net interest income | $1,395,000 | 7,603 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $577,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $56,000 | 7,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $521,000 | 3,208 |
| Total noninterest expense | $1,790,000 | 6,276 |
| Salaries and employee benefits | $897,000 | 6,529 |
| Premises and equipment expense | $270,000 | 5,893 |
| Additional noninterest expense | $623,000 | 5,794 |
| Pre-tax net operating income | $-298,000 | 8,888 |
| Securities gains (losses) | $12,000 | 3,495 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-286,000 | 8,958 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-286,000 | 8,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 2,143 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-298,000 | 8,907 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,789,000 | 7,463 |
| Total interest expense | $1,886,000 | 6,285 |
| Net interest income | $903,000 | 8,459 |
| Provision for loan and lease losses | $350,000 | 2,901 |
| Total noninterest income | $308,000 | 6,354 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $51,000 | 7,582 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $257,000 | 4,437 |
| Total noninterest expense | $1,190,000 | 7,486 |
| Salaries and employee benefits | $555,000 | 7,891 |
| Premises and equipment expense | $206,000 | 6,707 |
| Additional noninterest expense | $429,000 | 6,936 |
| Pre-tax net operating income | $-329,000 | 9,054 |
| Securities gains (losses) | $110,000 | 1,676 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-219,000 | 9,066 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-219,000 | 9,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,555 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-329,000 | 9,093 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 8,469 |
| Total interest expense | $1,134,000 | 7,939 |
| Net interest income | $801,000 | 8,898 |
| Provision for loan and lease losses | $98,000 | 5,381 |
| Total noninterest income | $76,000 | 8,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 7,811 |
| Total noninterest expense | $839,000 | 8,454 |
| Salaries and employee benefits | $376,000 | 8,874 |
| Premises and equipment expense | $167,000 | 7,292 |
| Additional noninterest expense | $296,000 | 7,974 |
| Pre-tax net operating income | $-60,000 | 9,211 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-60,000 | 9,221 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-60,000 | 9,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-60,000 | 9,214 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 9,901 |
| Total interest expense | $213,000 | 9,919 |
| Net interest income | $404,000 | 9,817 |
| Provision for loan and lease losses | $124,000 | 4,675 |
| Total noninterest income | $35,000 | 9,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,711 |
| Total noninterest expense | $703,000 | 9,024 |
| Salaries and employee benefits | $296,000 | 9,485 |
| Premises and equipment expense | $143,000 | 7,784 |
| Additional noninterest expense | $264,000 | 8,434 |
| Pre-tax net operating income | $-388,000 | 9,770 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-388,000 | 9,833 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-388,000 | 9,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,501,000 | 395 |
| Net operating income | $-388,000 | 9,812 |
* 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.