Home > Northwest Bank > Income and Expense
Northwest Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 4,669 |
| Total interest expense | $297,000 | 5,006 |
| Net interest income | $1,967,000 | 4,546 |
| Provision for loan and lease losses | $-104,000 | 7,108 |
| Total noninterest income | $118,000 | 5,602 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $75,000 | 4,853 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 5,589 |
| Total noninterest expense | $1,992,000 | 4,094 |
| Salaries and employee benefits | $1,101,000 | 3,921 |
| Premises and equipment expense | $215,000 | 4,215 |
| Additional noninterest expense | $676,000 | 4,085 |
| Pre-tax net operating income | $197,000 | 5,323 |
| Securities gains (losses) | $90,000 | 1,672 |
| Applicable income taxes | $4,000 | 4,475 |
| Income before extraordinary items | $283,000 | 4,892 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $283,000 | 4,895 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $283,000 | 4,895 |
| Net charge-offs | $-229,000 | 7,175 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 556 |
| Net operating income | $193,900 | 5,171 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,094,000 | 4,815 |
| Total interest expense | $171,000 | 4,797 |
| Net interest income | $923,000 | 4,740 |
| Provision for loan and lease losses | $-234,000 | 7,237 |
| Total noninterest income | $45,000 | 5,958 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $35,000 | 4,954 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $10,000 | 6,212 |
| Total noninterest expense | $972,000 | 4,174 |
| Salaries and employee benefits | $549,000 | 3,960 |
| Premises and equipment expense | $112,000 | 4,154 |
| Additional noninterest expense | $311,000 | 4,294 |
| Pre-tax net operating income | $230,000 | 4,300 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $4,000 | 4,331 |
| Income before extraordinary items | $226,000 | 4,174 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $226,000 | 4,178 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $226,000 | 4,178 |
| Net charge-offs | $-232,000 | 7,241 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 514 |
| Net operating income | $226,000 | 4,024 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,719,000 | 4,713 |
| Total interest expense | $863,000 | 4,749 |
| Net interest income | $3,856,000 | 4,638 |
| Provision for loan and lease losses | $-741,000 | 7,321 |
| Total noninterest income | $-922,000 | 7,243 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $150,000 | 4,891 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-1,072,000 | 7,207 |
| Total noninterest expense | $4,284,000 | 3,930 |
| Salaries and employee benefits | $2,431,000 | 3,635 |
| Premises and equipment expense | $527,000 | 3,893 |
| Additional noninterest expense | $1,326,000 | 4,188 |
| Pre-tax net operating income | $-609,000 | 6,457 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $4,000 | 4,504 |
| Income before extraordinary items | $-613,000 | 6,522 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-613,000 | 6,523 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-613,000 | 6,522 |
| Net charge-offs | $262,000 | 3,956 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 709 |
| Net operating income | $-613,000 | 6,487 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,586,000 | 4,744 |
| Total interest expense | $685,000 | 4,729 |
| Net interest income | $2,901,000 | 4,661 |
| Provision for loan and lease losses | $-412,000 | 7,390 |
| Total noninterest income | $-564,000 | 7,305 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $114,000 | 4,890 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-678,000 | 7,275 |
| Total noninterest expense | $3,297,000 | 3,881 |
| Salaries and employee benefits | $1,905,000 | 3,513 |
| Premises and equipment expense | $416,000 | 3,818 |
| Additional noninterest expense | $976,000 | 4,233 |
| Pre-tax net operating income | $-548,000 | 6,639 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $4,000 | 4,473 |
| Income before extraordinary items | $-552,000 | 6,710 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-552,000 | 6,711 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-552,000 | 6,711 |
| Net charge-offs | $229,000 | 3,562 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 660 |
| Net operating income | $-552,000 | 6,669 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 4,734 |
| Total interest expense | $476,000 | 4,755 |
| Net interest income | $1,950,000 | 4,659 |
| Provision for loan and lease losses | $-362,000 | 7,467 |
| Total noninterest income | $-582,000 | 7,418 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $70,000 | 5,028 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-652,000 | 7,408 |
| Total noninterest expense | $2,296,000 | 3,809 |
| Salaries and employee benefits | $1,331,000 | 3,416 |
| Premises and equipment expense | $280,000 | 3,826 |
| Additional noninterest expense | $685,000 | 4,174 |
| Pre-tax net operating income | $-566,000 | 6,821 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-566,000 | 6,872 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-566,000 | 6,871 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-566,000 | 6,872 |
| Net charge-offs | $321,000 | 2,618 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 587 |
| Net operating income | $-566,000 | 6,861 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 4,803 |
| Total interest expense | $242,000 | 4,829 |
| Net interest income | $959,000 | 4,694 |
| Provision for loan and lease losses | $-34,000 | 7,471 |
| Total noninterest income | $-477,000 | 7,515 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $34,000 | 5,022 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-511,000 | 7,509 |
| Total noninterest expense | $1,192,000 | 3,707 |
| Salaries and employee benefits | $690,000 | 3,361 |
| Premises and equipment expense | $143,000 | 3,826 |
| Additional noninterest expense | $359,000 | 4,024 |
| Pre-tax net operating income | $-676,000 | 7,170 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-676,000 | 7,200 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-676,000 | 7,201 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-676,000 | 7,201 |
| Net charge-offs | $443,000 | 1,438 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 528 |
| Net operating income | $-676,000 | 7,194 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,681,000 | 4,473 |
| Total interest expense | $1,137,000 | 4,939 |
| Net interest income | $4,544,000 | 4,215 |
| Provision for loan and lease losses | $1,171,000 | 2,819 |
| Total noninterest income | $-25,000 | 7,321 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $159,000 | 4,807 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-184,000 | 7,265 |
| Total noninterest expense | $5,216,000 | 3,486 |
| Salaries and employee benefits | $2,764,000 | 3,325 |
| Premises and equipment expense | $615,000 | 3,658 |
| Additional noninterest expense | $1,837,000 | 3,491 |
| Pre-tax net operating income | $-1,868,000 | 6,739 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $4,000 | 4,397 |
| Income before extraordinary items | $-1,872,000 | 6,824 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,872,000 | 6,824 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,872,000 | 6,825 |
| Net charge-offs | $1,551,000 | 2,144 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $368,000 | 511 |
| Net operating income | $-1,872,000 | 6,799 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,351,000 | 4,498 |
| Total interest expense | $854,000 | 5,090 |
| Net interest income | $3,497,000 | 4,210 |
| Provision for loan and lease losses | $840,000 | 2,783 |
| Total noninterest income | $127,000 | 6,278 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $127,000 | 4,789 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $0 | 7,139 |
| Total noninterest expense | $3,984,000 | 3,431 |
| Salaries and employee benefits | $2,143,000 | 3,262 |
| Premises and equipment expense | $469,000 | 3,657 |
| Additional noninterest expense | $1,372,000 | 3,472 |
| Pre-tax net operating income | $-1,200,000 | 6,852 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $4,000 | 4,431 |
| Income before extraordinary items | $-1,204,000 | 6,961 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,204,000 | 6,960 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,204,000 | 6,961 |
| Net charge-offs | $830,000 | 2,414 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $332,000 | 429 |
| Net operating income | $-1,204,000 | 6,921 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,997,000 | 4,452 |
| Total interest expense | $550,000 | 5,267 |
| Net interest income | $2,447,000 | 4,071 |
| Provision for loan and lease losses | $789,000 | 2,203 |
| Total noninterest income | $137,000 | 5,639 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $94,000 | 4,594 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $43,000 | 5,756 |
| Total noninterest expense | $2,654,000 | 3,446 |
| Salaries and employee benefits | $1,453,000 | 3,231 |
| Premises and equipment expense | $317,000 | 3,656 |
| Additional noninterest expense | $884,000 | 3,538 |
| Pre-tax net operating income | $-859,000 | 6,937 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-859,000 | 7,029 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-859,000 | 7,029 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-859,000 | 7,029 |
| Net charge-offs | $559,000 | 2,324 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 331 |
| Net operating income | $-859,000 | 6,997 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,502,000 | 4,508 |
| Total interest expense | $262,000 | 5,508 |
| Net interest income | $1,240,000 | 4,053 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $81,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $53,000 | 4,364 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $28,000 | 5,531 |
| Total noninterest expense | $1,376,000 | 3,384 |
| Salaries and employee benefits | $769,000 | 3,116 |
| Premises and equipment expense | $161,000 | 3,699 |
| Additional noninterest expense | $446,000 | 3,484 |
| Pre-tax net operating income | $-55,000 | 6,519 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-55,000 | 6,637 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-55,000 | 6,639 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-55,000 | 6,638 |
| Net charge-offs | $63,000 | 3,532 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $228,000 | 217 |
| Net operating income | $-55,000 | 6,561 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,254,000 | 4,488 |
| Total interest expense | $1,650,000 | 4,936 |
| Net interest income | $4,604,000 | 4,157 |
| Provision for loan and lease losses | $5,464,000 | 1,335 |
| Total noninterest income | $-1,113,000 | 7,930 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $216,000 | 4,504 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,329,000 | 7,908 |
| Total noninterest expense | $4,999,000 | 3,688 |
| Salaries and employee benefits | $2,731,000 | 3,438 |
| Premises and equipment expense | $633,000 | 3,742 |
| Additional noninterest expense | $1,635,000 | 3,863 |
| Pre-tax net operating income | $-6,972,000 | 7,348 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $2,574,000 | 456 |
| Income before extraordinary items | $-9,546,000 | 7,540 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,546,000 | 7,539 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,546,000 | 7,539 |
| Net charge-offs | $4,130,000 | 1,311 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $1,844,000 | 348 |
| Net operating income | $-9,546,000 | 7,547 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,705,000 | 4,554 |
| Total interest expense | $1,329,000 | 4,908 |
| Net interest income | $3,376,000 | 4,245 |
| Provision for loan and lease losses | $2,279,000 | 1,760 |
| Total noninterest income | $223,000 | 5,687 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $161,000 | 4,539 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $62,000 | 6,003 |
| Total noninterest expense | $5,013,000 | 2,910 |
| Salaries and employee benefits | $2,255,000 | 3,193 |
| Premises and equipment expense | $471,000 | 3,794 |
| Additional noninterest expense | $2,287,000 | 2,277 |
| Pre-tax net operating income | $-3,693,000 | 7,380 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,404,000 | 7,644 |
| Income before extraordinary items | $-2,289,000 | 7,245 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,289,000 | 7,244 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,289,000 | 7,245 |
| Net charge-offs | $2,174,000 | 1,428 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $182,000 | 601 |
| Net operating income | $-2,289,000 | 7,238 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,206,000 | 4,512 |
| Total interest expense | $955,000 | 4,848 |
| Net interest income | $2,251,000 | 4,218 |
| Provision for loan and lease losses | $1,829,000 | 1,479 |
| Total noninterest income | $160,000 | 5,609 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $110,000 | 4,466 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $50,000 | 5,847 |
| Total noninterest expense | $3,717,000 | 2,682 |
| Salaries and employee benefits | $1,535,000 | 3,179 |
| Premises and equipment expense | $316,000 | 3,790 |
| Additional noninterest expense | $1,866,000 | 1,916 |
| Pre-tax net operating income | $-3,135,000 | 7,580 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,192,000 | 7,792 |
| Income before extraordinary items | $-1,943,000 | 7,466 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,943,000 | 7,466 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,943,000 | 7,465 |
| Net charge-offs | $963,000 | 1,668 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 564 |
| Net operating income | $-1,943,000 | 7,464 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 4,504 |
| Total interest expense | $522,000 | 4,726 |
| Net interest income | $1,112,000 | 4,239 |
| Provision for loan and lease losses | $102,000 | 3,830 |
| Total noninterest income | $72,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $59,000 | 4,277 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $1,250,000 | 3,652 |
| Salaries and employee benefits | $768,000 | 3,211 |
| Premises and equipment expense | $164,000 | 3,727 |
| Additional noninterest expense | $318,000 | 4,227 |
| Pre-tax net operating income | $-168,000 | 6,829 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-61,000 | 7,460 |
| Income before extraordinary items | $-107,000 | 6,826 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-107,000 | 6,827 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-107,000 | 6,827 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 464 |
| Net operating income | $-107,000 | 6,736 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,861,000 | 4,538 |
| Total interest expense | $2,704,000 | 4,535 |
| Net interest income | $4,157,000 | 4,462 |
| Provision for loan and lease losses | $2,367,000 | 1,615 |
| Total noninterest income | $189,000 | 6,556 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $147,000 | 5,362 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $42,000 | 6,928 |
| Total noninterest expense | $4,961,000 | 3,587 |
| Salaries and employee benefits | $2,687,000 | 3,558 |
| Premises and equipment expense | $655,000 | 3,671 |
| Additional noninterest expense | $1,619,000 | 3,434 |
| Pre-tax net operating income | $-2,982,000 | 7,588 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,127,000 | 7,749 |
| Income before extraordinary items | $-1,855,000 | 7,337 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,855,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,004,000 | 1,286 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $203,000 | 771 |
| Net operating income | $-1,855,000 | 7,438 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,216,000 | 4,580 |
| Total interest expense | $2,064,000 | 4,605 |
| Net interest income | $3,152,000 | 4,470 |
| Provision for loan and lease losses | $691,000 | 2,285 |
| Total noninterest income | $137,000 | 6,720 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $105,000 | 5,469 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $32,000 | 7,052 |
| Total noninterest expense | $3,664,000 | 3,629 |
| Salaries and employee benefits | $2,218,000 | 3,338 |
| Premises and equipment expense | $485,000 | 3,713 |
| Additional noninterest expense | $961,000 | 3,978 |
| Pre-tax net operating income | $-1,066,000 | 7,568 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-396,000 | 7,825 |
| Income before extraordinary items | $-670,000 | 7,321 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-670,000 | 7,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-513,000 | 8,371 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $145,000 | 669 |
| Net operating income | $-670,000 | 7,447 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,503,000 | 4,629 |
| Total interest expense | $1,370,000 | 4,755 |
| Net interest income | $2,133,000 | 4,402 |
| Provision for loan and lease losses | $-277,000 | 8,429 |
| Total noninterest income | $85,000 | 6,870 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $65,000 | 5,586 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $20,000 | 7,196 |
| Total noninterest expense | $2,335,000 | 3,775 |
| Salaries and employee benefits | $1,432,000 | 3,461 |
| Premises and equipment expense | $326,000 | 3,711 |
| Additional noninterest expense | $577,000 | 4,301 |
| Pre-tax net operating income | $160,000 | 6,056 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $70,000 | 3,792 |
| Income before extraordinary items | $90,000 | 6,417 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $90,000 | 6,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-922,000 | 8,447 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 620 |
| Net operating income | $90,000 | 6,359 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,804,000 | 4,621 |
| Total interest expense | $752,000 | 4,683 |
| Net interest income | $1,052,000 | 4,454 |
| Provision for loan and lease losses | $163,000 | 2,049 |
| Total noninterest income | $39,000 | 6,994 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $30,000 | 5,688 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $1,162,000 | 3,785 |
| Salaries and employee benefits | $699,000 | 3,541 |
| Premises and equipment expense | $161,000 | 3,774 |
| Additional noninterest expense | $302,000 | 4,093 |
| Pre-tax net operating income | $-234,000 | 7,811 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-84,000 | 8,102 |
| Income before extraordinary items | $-150,000 | 7,750 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-150,000 | 7,749 |
| 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 | $39,000 | 528 |
| Net operating income | $-150,000 | 7,714 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,818,000 | 4,431 |
| Total interest expense | $3,465,000 | 4,364 |
| Net interest income | $4,353,000 | 4,385 |
| Provision for loan and lease losses | $2,330,000 | 745 |
| Total noninterest income | $114,000 | 7,433 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $92,000 | 6,127 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $22,000 | 7,751 |
| Total noninterest expense | $4,494,000 | 3,757 |
| Salaries and employee benefits | $3,024,000 | 3,208 |
| Premises and equipment expense | $389,000 | 5,112 |
| Additional noninterest expense | $1,081,000 | 4,394 |
| Pre-tax net operating income | $-2,357,000 | 8,320 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-896,000 | 8,391 |
| Income before extraordinary items | $-1,461,000 | 8,228 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,461,000 | 8,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,970,000 | 626 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $240,000 | 703 |
| Net operating income | $-1,461,000 | 8,220 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,866,000 | 4,440 |
| Total interest expense | $2,610,000 | 4,362 |
| Net interest income | $3,256,000 | 4,408 |
| Provision for loan and lease losses | $1,129,000 | 816 |
| Total noninterest income | $84,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $69,000 | 6,161 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $15,000 | 7,834 |
| Total noninterest expense | $2,934,000 | 4,159 |
| Salaries and employee benefits | $1,925,000 | 3,634 |
| Premises and equipment expense | $250,000 | 5,523 |
| Additional noninterest expense | $759,000 | 4,557 |
| Pre-tax net operating income | $-723,000 | 8,194 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-272,000 | 8,356 |
| Income before extraordinary items | $-451,000 | 8,113 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-451,000 | 8,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 585 |
| Net operating income | $-451,000 | 8,100 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,912,000 | 4,456 |
| Total interest expense | $1,769,000 | 4,338 |
| Net interest income | $2,143,000 | 4,489 |
| Provision for loan and lease losses | $682,000 | 793 |
| Total noninterest income | $54,000 | 7,573 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $45,000 | 6,229 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $9,000 | 7,947 |
| Total noninterest expense | $1,983,000 | 4,147 |
| Salaries and employee benefits | $1,291,000 | 3,659 |
| Premises and equipment expense | $155,000 | 5,723 |
| Additional noninterest expense | $537,000 | 4,350 |
| Pre-tax net operating income | $-468,000 | 8,283 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-177,000 | 8,452 |
| Income before extraordinary items | $-291,000 | 8,195 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-291,000 | 8,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $163,000 | 489 |
| Net operating income | $-291,000 | 8,182 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,854,000 | 4,616 |
| Total interest expense | $853,000 | 4,412 |
| Net interest income | $1,001,000 | 4,686 |
| Provision for loan and lease losses | $183,000 | 1,252 |
| Total noninterest income | $26,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $4,000 | 8,000 |
| Total noninterest expense | $1,066,000 | 3,939 |
| Salaries and employee benefits | $675,000 | 3,557 |
| Premises and equipment expense | $68,000 | 6,105 |
| Additional noninterest expense | $323,000 | 3,750 |
| Pre-tax net operating income | $-222,000 | 8,324 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-84,000 | 8,492 |
| Income before extraordinary items | $-138,000 | 8,249 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-138,000 | 8,248 |
| 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 | $37,000 | 555 |
| Net operating income | $-138,000 | 8,237 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,683,000 | 5,734 |
| Total interest expense | $1,644,000 | 5,901 |
| Net interest income | $3,039,000 | 5,487 |
| Provision for loan and lease losses | $557,000 | 1,731 |
| Total noninterest income | $62,000 | 8,109 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $48,000 | 6,921 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,156 |
| Total noninterest expense | $2,825,000 | 5,091 |
| Salaries and employee benefits | $2,011,000 | 4,247 |
| Premises and equipment expense | $224,000 | 6,477 |
| Additional noninterest expense | $590,000 | 6,106 |
| Pre-tax net operating income | $-281,000 | 8,157 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-547,000 | 8,578 |
| Income before extraordinary items | $266,000 | 7,041 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $266,000 | 7,041 |
| 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 | $199,000 | 763 |
| Net operating income | $266,000 | 7,035 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,126,000 | 6,033 |
| Total interest expense | $1,043,000 | 6,234 |
| Net interest income | $2,083,000 | 5,797 |
| Provision for loan and lease losses | $526,000 | 1,338 |
| Total noninterest income | $42,000 | 8,252 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $31,000 | 7,105 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,185 |
| Total noninterest expense | $2,152,000 | 5,020 |
| Salaries and employee benefits | $1,543,000 | 4,164 |
| Premises and equipment expense | $167,000 | 6,509 |
| Additional noninterest expense | $442,000 | 6,117 |
| Pre-tax net operating income | $-553,000 | 8,470 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-653,000 | 8,703 |
| Income before extraordinary items | $100,000 | 7,725 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $100,000 | 7,727 |
| 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 | $165,000 | 629 |
| Net operating income | $100,000 | 7,724 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,772,000 | 6,420 |
| Total interest expense | $554,000 | 6,648 |
| Net interest income | $1,218,000 | 6,184 |
| Provision for loan and lease losses | $376,000 | 1,219 |
| Total noninterest income | $18,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $17,000 | 7,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $1,472,000 | 4,942 |
| Salaries and employee benefits | $1,042,000 | 4,157 |
| Premises and equipment expense | $111,000 | 6,530 |
| Additional noninterest expense | $319,000 | 5,882 |
| Pre-tax net operating income | $-612,000 | 8,602 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-612,000 | 8,621 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-612,000 | 8,620 |
| 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 | $132,000 | 494 |
| Net operating income | $-612,000 | 8,615 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 6,833 |
| Total interest expense | $215,000 | 7,092 |
| Net interest income | $519,000 | 6,588 |
| Provision for loan and lease losses | $208,000 | 1,107 |
| Total noninterest income | $9,000 | 8,456 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $644,000 | 5,385 |
| Salaries and employee benefits | $432,000 | 4,778 |
| Premises and equipment expense | $55,000 | 6,562 |
| Additional noninterest expense | $157,000 | 5,932 |
| Pre-tax net operating income | $-324,000 | 8,626 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-324,000 | 8,649 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-324,000 | 8,648 |
| 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 | $-324,000 | 8,641 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $662,000 | 8,550 |
| Total interest expense | $100,000 | 8,621 |
| Net interest income | $562,000 | 8,481 |
| Provision for loan and lease losses | $314,000 | 2,733 |
| Total noninterest income | $5,000 | 8,707 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $5,000 | 7,664 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,688 |
| Total noninterest expense | $1,414,000 | 7,031 |
| Salaries and employee benefits | $901,000 | 6,642 |
| Premises and equipment expense | $104,000 | 7,817 |
| Additional noninterest expense | $409,000 | 7,046 |
| Pre-tax net operating income | $-1,161,000 | 8,671 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,161,000 | 8,699 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,161,000 | 8,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $21,979,000 | 61 |
| Net operating income | $-1,161,000 | 8,681 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $174,000 | 8,778 |
| Total interest expense | $12,000 | 8,778 |
| Net interest income | $162,000 | 8,762 |
| Provision for loan and lease losses | $126,000 | 3,804 |
| Total noninterest income | $0 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $853,000 | 7,494 |
| Salaries and employee benefits | $295,000 | 8,212 |
| Premises and equipment expense | $52,000 | 8,242 |
| Additional noninterest expense | $506,000 | 5,659 |
| Pre-tax net operating income | $-817,000 | 8,686 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-817,000 | 8,716 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-817,000 | 8,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $22,000,000 | 44 |
| Net operating income | $-817,000 | 8,695 |
* 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.