Home > Northwest Commercial Bank > Income and Expense
Northwest Commercial Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,465,000 | 5,188 |
| Total interest expense | $471,000 | 5,220 |
| Net interest income | $2,994,000 | 5,115 |
| Provision for loan and lease losses | $374,000 | 3,105 |
| Total noninterest income | $58,000 | 6,594 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $96,000 | 5,500 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-38,000 | 6,660 |
| Total noninterest expense | $2,673,000 | 5,010 |
| Salaries and employee benefits | $1,460,000 | 4,913 |
| Premises and equipment expense | $198,000 | 5,728 |
| Additional noninterest expense | $1,015,000 | 4,768 |
| Pre-tax net operating income | $5,000 | 6,134 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $5,000 | 6,297 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,000 | 6,290 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $5,000 | 6,292 |
| Net charge-offs | $452,000 | 2,780 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $5,000 | 6,155 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,591,000 | 5,281 |
| Total interest expense | $379,000 | 5,221 |
| Net interest income | $2,212,000 | 5,231 |
| Provision for loan and lease losses | $319,000 | 2,893 |
| Total noninterest income | $121,000 | 5,981 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $75,000 | 5,517 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $46,000 | 5,828 |
| Total noninterest expense | $2,000,000 | 5,061 |
| Salaries and employee benefits | $1,102,000 | 4,921 |
| Premises and equipment expense | $150,000 | 5,781 |
| Additional noninterest expense | $748,000 | 4,838 |
| Pre-tax net operating income | $14,000 | 6,234 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $14,000 | 6,370 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $14,000 | 6,369 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $14,000 | 6,369 |
| Net charge-offs | $447,000 | 2,331 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $14,000 | 6,238 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,714,000 | 5,341 |
| Total interest expense | $272,000 | 5,191 |
| Net interest income | $1,442,000 | 5,296 |
| Provision for loan and lease losses | $263,000 | 2,616 |
| Total noninterest income | $66,000 | 6,200 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $49,000 | 5,552 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 6,249 |
| Total noninterest expense | $1,350,000 | 5,068 |
| Salaries and employee benefits | $728,000 | 4,979 |
| Premises and equipment expense | $101,000 | 5,779 |
| Additional noninterest expense | $521,000 | 4,753 |
| Pre-tax net operating income | $-105,000 | 6,533 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-105,000 | 6,635 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-105,000 | 6,635 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-105,000 | 6,635 |
| Net charge-offs | $447,000 | 1,898 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-105,000 | 6,553 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $876,000 | 5,343 |
| Total interest expense | $147,000 | 5,130 |
| Net interest income | $729,000 | 5,310 |
| Provision for loan and lease losses | $105,000 | 2,781 |
| Total noninterest income | $19,000 | 6,683 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $25,000 | 5,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-6,000 | 6,955 |
| Total noninterest expense | $767,000 | 4,776 |
| Salaries and employee benefits | $367,000 | 4,993 |
| Premises and equipment expense | $51,000 | 5,812 |
| Additional noninterest expense | $349,000 | 3,993 |
| Pre-tax net operating income | $-124,000 | 6,767 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-124,000 | 6,831 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-124,000 | 6,832 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-124,000 | 6,832 |
| Net charge-offs | $79,000 | 2,655 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-124,000 | 6,775 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,796,000 | 5,263 |
| Total interest expense | $771,000 | 4,997 |
| Net interest income | $3,025,000 | 5,243 |
| Provision for loan and lease losses | $792,000 | 2,760 |
| Total noninterest income | $22,000 | 6,896 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $110,000 | 5,383 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-88,000 | 6,881 |
| Total noninterest expense | $2,401,000 | 5,427 |
| Salaries and employee benefits | $1,607,000 | 4,774 |
| Premises and equipment expense | $221,000 | 5,839 |
| Additional noninterest expense | $573,000 | 6,066 |
| Pre-tax net operating income | $-146,000 | 6,189 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-146,000 | 6,305 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-146,000 | 6,309 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-146,000 | 6,309 |
| Net charge-offs | $983,000 | 2,376 |
| Cash dividends | $81,000 | 3,849 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 990 |
| Net operating income | $-146,000 | 6,229 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 5,312 |
| Total interest expense | $601,000 | 5,041 |
| Net interest income | $2,255,000 | 5,299 |
| Provision for loan and lease losses | $402,000 | 3,202 |
| Total noninterest income | $121,000 | 6,083 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $83,000 | 5,407 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $38,000 | 6,022 |
| Total noninterest expense | $2,081,000 | 5,097 |
| Salaries and employee benefits | $1,211,000 | 4,758 |
| Premises and equipment expense | $165,000 | 5,885 |
| Additional noninterest expense | $705,000 | 5,065 |
| Pre-tax net operating income | $-107,000 | 6,302 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-107,000 | 6,418 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-107,000 | 6,422 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-107,000 | 6,421 |
| Net charge-offs | $278,000 | 3,334 |
| Cash dividends | $81,000 | 3,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-107,000 | 6,340 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,930,000 | 5,332 |
| Total interest expense | $416,000 | 5,059 |
| Net interest income | $1,514,000 | 5,319 |
| Provision for loan and lease losses | $100,000 | 4,367 |
| Total noninterest income | $96,000 | 5,906 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $54,000 | 5,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 5,630 |
| Total noninterest expense | $1,396,000 | 5,124 |
| Salaries and employee benefits | $830,000 | 4,728 |
| Premises and equipment expense | $111,000 | 5,903 |
| Additional noninterest expense | $455,000 | 5,234 |
| Pre-tax net operating income | $114,000 | 5,618 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $114,000 | 5,597 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $114,000 | 5,596 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $114,000 | 5,597 |
| Net charge-offs | $158,000 | 3,344 |
| Cash dividends | $54,000 | 3,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $114,000 | 5,509 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $971,000 | 5,341 |
| Total interest expense | $215,000 | 5,081 |
| Net interest income | $756,000 | 5,317 |
| Provision for loan and lease losses | $40,000 | 4,390 |
| Total noninterest income | $44,000 | 6,090 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $26,000 | 5,445 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 5,906 |
| Total noninterest expense | $675,000 | 5,246 |
| Salaries and employee benefits | $419,000 | 4,732 |
| Premises and equipment expense | $57,000 | 5,916 |
| Additional noninterest expense | $199,000 | 5,557 |
| Pre-tax net operating income | $85,000 | 5,320 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $85,000 | 5,222 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $85,000 | 5,220 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $85,000 | 5,222 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $27,000 | 2,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $85,000 | 5,162 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,330,000 | 5,205 |
| Total interest expense | $893,000 | 5,476 |
| Net interest income | $3,437,000 | 4,997 |
| Provision for loan and lease losses | $547,000 | 3,999 |
| Total noninterest income | $118,000 | 6,540 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $123,000 | 5,223 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-5,000 | 7,018 |
| Total noninterest expense | $3,519,000 | 4,583 |
| Salaries and employee benefits | $1,652,000 | 4,778 |
| Premises and equipment expense | $253,000 | 5,780 |
| Additional noninterest expense | $1,614,000 | 3,813 |
| Pre-tax net operating income | $-511,000 | 6,260 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-511,000 | 6,375 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-511,000 | 6,376 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-511,000 | 6,376 |
| Net charge-offs | $528,000 | 3,579 |
| Cash dividends | $109,000 | 3,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-511,000 | 6,325 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,291,000 | 5,265 |
| Total interest expense | $669,000 | 5,636 |
| Net interest income | $2,622,000 | 5,017 |
| Provision for loan and lease losses | $475,000 | 3,632 |
| Total noninterest income | $219,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $93,000 | 5,284 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $126,000 | 4,908 |
| Total noninterest expense | $2,097,000 | 5,231 |
| Salaries and employee benefits | $1,279,000 | 4,719 |
| Premises and equipment expense | $192,000 | 5,812 |
| Additional noninterest expense | $626,000 | 5,548 |
| Pre-tax net operating income | $269,000 | 4,977 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $269,000 | 5,000 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $269,000 | 5,002 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $269,000 | 5,003 |
| Net charge-offs | $214,000 | 4,147 |
| Cash dividends | $99,000 | 3,213 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,010 |
| Net operating income | $269,000 | 4,813 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,155,000 | 5,351 |
| Total interest expense | $446,000 | 5,737 |
| Net interest income | $1,709,000 | 5,081 |
| Provision for loan and lease losses | $320,000 | 3,503 |
| Total noninterest income | $172,000 | 5,278 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $56,000 | 5,427 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $116,000 | 4,389 |
| Total noninterest expense | $1,407,000 | 5,242 |
| Salaries and employee benefits | $869,000 | 4,689 |
| Premises and equipment expense | $132,000 | 5,782 |
| Additional noninterest expense | $406,000 | 5,628 |
| Pre-tax net operating income | $154,000 | 5,186 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $154,000 | 5,188 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $154,000 | 5,191 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $154,000 | 5,190 |
| Net charge-offs | $214,000 | 3,466 |
| Cash dividends | $66,000 | 3,065 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 935 |
| Net operating income | $154,000 | 5,042 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,068,000 | 5,439 |
| Total interest expense | $230,000 | 5,793 |
| Net interest income | $838,000 | 5,169 |
| Provision for loan and lease losses | $173,000 | 3,193 |
| Total noninterest income | $125,000 | 4,628 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $28,000 | 5,463 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $97,000 | 3,571 |
| Total noninterest expense | $719,000 | 5,230 |
| Salaries and employee benefits | $447,000 | 4,667 |
| Premises and equipment expense | $68,000 | 5,804 |
| Additional noninterest expense | $204,000 | 5,643 |
| Pre-tax net operating income | $71,000 | 5,402 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $71,000 | 5,387 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $71,000 | 5,388 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $71,000 | 5,387 |
| Net charge-offs | $239,000 | 2,259 |
| Cash dividends | $33,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 885 |
| Net operating income | $71,000 | 5,279 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,552,000 | 5,391 |
| Total interest expense | $1,437,000 | 5,250 |
| Net interest income | $3,115,000 | 5,283 |
| Provision for loan and lease losses | $1,200,000 | 3,210 |
| Total noninterest income | $179,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $114,000 | 5,570 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $65,000 | 6,115 |
| Total noninterest expense | $2,739,000 | 5,431 |
| Salaries and employee benefits | $1,583,000 | 5,038 |
| Premises and equipment expense | $295,000 | 5,692 |
| Additional noninterest expense | $861,000 | 5,635 |
| Pre-tax net operating income | $-645,000 | 6,073 |
| Securities gains (losses) | $60,000 | 2,515 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-585,000 | 6,128 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-585,000 | 6,128 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-585,000 | 6,128 |
| Net charge-offs | $918,000 | 2,970 |
| Cash dividends | $116,000 | 4,051 |
| Sale, conversion, retirement of capital stock, net | $1,990,000 | 339 |
| Net operating income | $-645,000 | 6,163 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 5,460 |
| Total interest expense | $1,153,000 | 5,247 |
| Net interest income | $2,262,000 | 5,395 |
| Provision for loan and lease losses | $1,035,000 | 2,734 |
| Total noninterest income | $124,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $81,000 | 5,686 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $43,000 | 6,371 |
| Total noninterest expense | $1,996,000 | 5,523 |
| Salaries and employee benefits | $1,153,000 | 5,168 |
| Premises and equipment expense | $218,000 | 5,776 |
| Additional noninterest expense | $625,000 | 5,714 |
| Pre-tax net operating income | $-645,000 | 6,440 |
| Securities gains (losses) | $60,000 | 2,179 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-585,000 | 6,496 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-585,000 | 6,497 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-585,000 | 6,496 |
| Net charge-offs | $775,000 | 2,518 |
| Cash dividends | $84,000 | 3,691 |
| Sale, conversion, retirement of capital stock, net | $1,984,000 | 280 |
| Net operating income | $-645,000 | 6,521 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 5,647 |
| Total interest expense | $813,000 | 5,239 |
| Net interest income | $1,341,000 | 5,690 |
| Provision for loan and lease losses | $320,000 | 3,598 |
| Total noninterest income | $67,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $49,000 | 5,826 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $18,000 | 6,881 |
| Total noninterest expense | $1,293,000 | 5,654 |
| Salaries and employee benefits | $734,000 | 5,354 |
| Premises and equipment expense | $140,000 | 5,912 |
| Additional noninterest expense | $419,000 | 5,712 |
| Pre-tax net operating income | $-205,000 | 6,286 |
| Securities gains (losses) | $45,000 | 1,968 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-160,000 | 6,301 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-160,000 | 6,301 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-160,000 | 6,300 |
| Net charge-offs | $250,000 | 3,158 |
| Cash dividends | $50,000 | 3,632 |
| Sale, conversion, retirement of capital stock, net | $1,978,000 | 214 |
| Net operating income | $-205,000 | 6,374 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 5,838 |
| Total interest expense | $417,000 | 5,286 |
| Net interest income | $597,000 | 5,995 |
| Provision for loan and lease losses | $155,000 | 3,175 |
| Total noninterest income | $35,000 | 6,851 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $22,000 | 5,942 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $637,000 | 5,637 |
| Salaries and employee benefits | $351,000 | 5,527 |
| Premises and equipment expense | $67,000 | 6,044 |
| Additional noninterest expense | $219,000 | 5,356 |
| Pre-tax net operating income | $-160,000 | 6,815 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-160,000 | 6,961 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-160,000 | 6,962 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-160,000 | 6,962 |
| Net charge-offs | $12,000 | 4,660 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $1,978,000 | 122 |
| Net operating income | $-160,000 | 6,886 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,646,000 | 5,651 |
| Total interest expense | $2,234,000 | 5,042 |
| Net interest income | $2,412,000 | 5,979 |
| Provision for loan and lease losses | $535,000 | 3,705 |
| Total noninterest income | $108,000 | 7,218 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $77,000 | 6,226 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $31,000 | 7,163 |
| Total noninterest expense | $2,179,000 | 6,007 |
| Salaries and employee benefits | $1,323,000 | 5,693 |
| Premises and equipment expense | $189,000 | 6,775 |
| Additional noninterest expense | $667,000 | 5,947 |
| Pre-tax net operating income | $-194,000 | 6,549 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-194,000 | 6,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-194,000 | 6,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 3,543 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-194,000 | 6,620 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,540,000 | 5,696 |
| Total interest expense | $1,734,000 | 5,080 |
| Net interest income | $1,806,000 | 6,037 |
| Provision for loan and lease losses | $285,000 | 3,641 |
| Total noninterest income | $81,000 | 7,330 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $55,000 | 6,327 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 7,229 |
| Total noninterest expense | $1,574,000 | 6,100 |
| Salaries and employee benefits | $965,000 | 5,804 |
| Premises and equipment expense | $124,000 | 7,048 |
| Additional noninterest expense | $485,000 | 5,989 |
| Pre-tax net operating income | $28,000 | 6,655 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $28,000 | 6,498 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $28,000 | 6,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,663 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $28,000 | 6,658 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 5,762 |
| Total interest expense | $1,192,000 | 5,148 |
| Net interest income | $1,166,000 | 6,129 |
| Provision for loan and lease losses | $180,000 | 3,306 |
| Total noninterest income | $53,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $34,000 | 6,431 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $19,000 | 7,234 |
| Total noninterest expense | $1,085,000 | 6,055 |
| Salaries and employee benefits | $684,000 | 5,656 |
| Premises and equipment expense | $78,000 | 7,187 |
| Additional noninterest expense | $323,000 | 5,982 |
| Pre-tax net operating income | $-46,000 | 7,084 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-46,000 | 7,143 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-46,000 | 7,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,895 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 780 |
| Net operating income | $-46,000 | 7,114 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,181,000 | 5,846 |
| Total interest expense | $602,000 | 5,280 |
| Net interest income | $579,000 | 6,190 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $28,000 | 7,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,000 | 7,488 |
| Total noninterest expense | $547,000 | 6,066 |
| Salaries and employee benefits | $340,000 | 5,730 |
| Premises and equipment expense | $44,000 | 7,000 |
| Additional noninterest expense | $163,000 | 5,956 |
| Pre-tax net operating income | $-30,000 | 7,325 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-30,000 | 7,432 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-30,000 | 7,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 1,799 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 668 |
| Net operating income | $-30,000 | 7,363 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,837,000 | 5,801 |
| Total interest expense | $2,395,000 | 5,384 |
| Net interest income | $2,442,000 | 6,035 |
| Provision for loan and lease losses | $150,000 | 4,308 |
| Total noninterest income | $120,000 | 7,375 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $47,000 | 6,798 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $73,000 | 6,653 |
| Total noninterest expense | $2,051,000 | 6,153 |
| Salaries and employee benefits | $1,160,000 | 6,077 |
| Premises and equipment expense | $267,000 | 6,066 |
| Additional noninterest expense | $624,000 | 6,036 |
| Pre-tax net operating income | $361,000 | 6,389 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $361,000 | 6,200 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $361,000 | 6,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,597 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $1,902,000 | 366 |
| Net operating income | $361,000 | 6,184 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,537,000 | 5,894 |
| Total interest expense | $1,754,000 | 5,451 |
| Net interest income | $1,783,000 | 6,138 |
| Provision for loan and lease losses | $70,000 | 4,664 |
| Total noninterest income | $88,000 | 7,443 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $34,000 | 6,852 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $54,000 | 6,695 |
| Total noninterest expense | $1,544,000 | 6,137 |
| Salaries and employee benefits | $864,000 | 6,086 |
| Premises and equipment expense | $202,000 | 6,046 |
| Additional noninterest expense | $478,000 | 5,931 |
| Pre-tax net operating income | $257,000 | 6,734 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $257,000 | 6,536 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $257,000 | 6,533 |
| 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 | $1,879,000 | 277 |
| Net operating income | $257,000 | 6,520 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,255,000 | 6,033 |
| Total interest expense | $1,138,000 | 5,530 |
| Net interest income | $1,117,000 | 6,337 |
| Provision for loan and lease losses | $20,000 | 5,312 |
| Total noninterest income | $59,000 | 7,489 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $25,000 | 6,819 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $34,000 | 6,824 |
| Total noninterest expense | $1,018,000 | 6,208 |
| Salaries and employee benefits | $572,000 | 6,164 |
| Premises and equipment expense | $137,000 | 6,041 |
| Additional noninterest expense | $309,000 | 6,039 |
| Pre-tax net operating income | $138,000 | 7,033 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $138,000 | 6,835 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $138,000 | 6,835 |
| 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 | $1,579,000 | 220 |
| Net operating income | $138,000 | 6,820 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,111,000 | 6,075 |
| Total interest expense | $561,000 | 5,565 |
| Net interest income | $550,000 | 6,401 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $19,000 | 7,910 |
| 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 | $5,000 | 7,889 |
| Total noninterest expense | $522,000 | 6,172 |
| Salaries and employee benefits | $305,000 | 5,989 |
| Premises and equipment expense | $69,000 | 6,070 |
| Additional noninterest expense | $148,000 | 6,150 |
| Pre-tax net operating income | $37,000 | 7,454 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $37,000 | 7,345 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $37,000 | 7,344 |
| 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 | $23,000 | 650 |
| Net operating income | $37,000 | 7,335 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,003,000 | 6,118 |
| Total interest expense | $1,825,000 | 5,652 |
| Net interest income | $2,178,000 | 6,362 |
| Provision for loan and lease losses | $190,000 | 3,623 |
| Total noninterest income | $124,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $32,000 | 7,140 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $92,000 | 6,472 |
| Total noninterest expense | $1,759,000 | 6,502 |
| Salaries and employee benefits | $992,000 | 6,421 |
| Premises and equipment expense | $253,000 | 6,189 |
| Additional noninterest expense | $514,000 | 6,473 |
| Pre-tax net operating income | $353,000 | 6,943 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $353,000 | 6,709 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $353,000 | 6,712 |
| 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 | $124,000 | 854 |
| Net operating income | $353,000 | 6,708 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,885,000 | 6,241 |
| Total interest expense | $1,279,000 | 5,757 |
| Net interest income | $1,606,000 | 6,470 |
| Provision for loan and lease losses | $170,000 | 3,189 |
| Total noninterest income | $111,000 | 7,381 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $23,000 | 7,228 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $88,000 | 6,064 |
| Total noninterest expense | $1,270,000 | 6,612 |
| Salaries and employee benefits | $701,000 | 6,569 |
| Premises and equipment expense | $189,000 | 6,227 |
| Additional noninterest expense | $380,000 | 6,514 |
| Pre-tax net operating income | $277,000 | 7,113 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $277,000 | 6,829 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $277,000 | 6,832 |
| 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 | $7,000 | 983 |
| Net operating income | $277,000 | 6,832 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,810,000 | 6,368 |
| Total interest expense | $783,000 | 5,862 |
| Net interest income | $1,027,000 | 6,599 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $97,000 | 7,041 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $16,000 | 7,270 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 5,545 |
| Total noninterest expense | $831,000 | 6,676 |
| Salaries and employee benefits | $453,000 | 6,670 |
| Premises and equipment expense | $126,000 | 6,231 |
| Additional noninterest expense | $252,000 | 6,549 |
| Pre-tax net operating income | $173,000 | 7,246 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $173,000 | 6,976 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $173,000 | 6,979 |
| 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 | $7,000 | 815 |
| Net operating income | $173,000 | 6,981 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $844,000 | 6,515 |
| Total interest expense | $357,000 | 5,989 |
| Net interest income | $487,000 | 6,751 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $79,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $73,000 | 4,340 |
| Total noninterest expense | $416,000 | 6,674 |
| Salaries and employee benefits | $229,000 | 6,668 |
| Premises and equipment expense | $63,000 | 6,234 |
| Additional noninterest expense | $124,000 | 6,561 |
| Pre-tax net operating income | $90,000 | 7,166 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $90,000 | 6,886 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $90,000 | 6,887 |
| 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 | $90,000 | 6,884 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 7,115 |
| Total interest expense | $795,000 | 6,801 |
| Net interest income | $1,572,000 | 7,201 |
| Provision for loan and lease losses | $198,000 | 3,618 |
| Total noninterest income | $89,000 | 8,043 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $18,000 | 7,500 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $71,000 | 6,919 |
| Total noninterest expense | $1,516,000 | 6,860 |
| Salaries and employee benefits | $815,000 | 6,876 |
| Premises and equipment expense | $229,000 | 6,431 |
| Additional noninterest expense | $472,000 | 6,728 |
| Pre-tax net operating income | $-53,000 | 8,304 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-53,000 | 8,336 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-53,000 | 8,336 |
| 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 | $2,069,000 | 396 |
| Net operating income | $-53,000 | 8,308 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 7,345 |
| Total interest expense | $521,000 | 6,998 |
| Net interest income | $1,071,000 | 7,434 |
| Provision for loan and lease losses | $153,000 | 3,444 |
| Total noninterest income | $72,000 | 8,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,540 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $1,096,000 | 6,952 |
| Salaries and employee benefits | $575,000 | 7,024 |
| Premises and equipment expense | $168,000 | 6,453 |
| Additional noninterest expense | $353,000 | 6,716 |
| Pre-tax net operating income | $-106,000 | 8,434 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-106,000 | 8,457 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-106,000 | 8,458 |
| 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 | $2,069,000 | 293 |
| Net operating income | $-106,000 | 8,429 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $946,000 | 7,562 |
| Total interest expense | $298,000 | 7,199 |
| Net interest income | $648,000 | 7,623 |
| Provision for loan and lease losses | $103,000 | 3,310 |
| Total noninterest income | $19,000 | 8,554 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $9,000 | 7,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $713,000 | 7,018 |
| Salaries and employee benefits | $364,000 | 7,164 |
| Premises and equipment expense | $111,000 | 6,473 |
| Additional noninterest expense | $238,000 | 6,675 |
| Pre-tax net operating income | $-149,000 | 8,523 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-149,000 | 8,548 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-149,000 | 8,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $2,069,000 | 192 |
| Net operating income | $-149,000 | 8,526 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $405,000 | 7,856 |
| Total interest expense | $121,000 | 7,549 |
| Net interest income | $284,000 | 7,887 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $10,000 | 8,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $339,000 | 7,178 |
| Salaries and employee benefits | $181,000 | 7,234 |
| Premises and equipment expense | $55,000 | 6,532 |
| Additional noninterest expense | $103,000 | 7,065 |
| Pre-tax net operating income | $-95,000 | 8,637 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-95,000 | 8,661 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-95,000 | 8,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-95,000 | 8,638 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 8,494 |
| Total interest expense | $241,000 | 8,325 |
| Net interest income | $643,000 | 8,499 |
| Provision for loan and lease losses | $153,000 | 4,196 |
| Total noninterest income | $24,000 | 8,755 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $20,000 | 7,660 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,000 | 8,722 |
| Total noninterest expense | $1,290,000 | 7,281 |
| Salaries and employee benefits | $640,000 | 7,508 |
| Premises and equipment expense | $228,000 | 6,420 |
| Additional noninterest expense | $422,000 | 7,007 |
| Pre-tax net operating income | $-776,000 | 8,748 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-776,000 | 8,786 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-776,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $533,000 | 465 |
| Net operating income | $-776,000 | 8,765 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $549,000 | 8,673 |
| Total interest expense | $154,000 | 8,492 |
| Net interest income | $395,000 | 8,677 |
| Provision for loan and lease losses | $104,000 | 4,214 |
| Total noninterest income | $18,000 | 8,822 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $15,000 | 7,705 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $973,000 | 7,225 |
| Salaries and employee benefits | $482,000 | 7,437 |
| Premises and equipment expense | $171,000 | 6,414 |
| Additional noninterest expense | $320,000 | 6,941 |
| Pre-tax net operating income | $-664,000 | 8,820 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-664,000 | 8,862 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-664,000 | 8,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $533,000 | 357 |
| Net operating income | $-664,000 | 8,840 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $293,000 | 8,834 |
| Total interest expense | $81,000 | 8,689 |
| Net interest income | $212,000 | 8,833 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $12,000 | 8,878 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $10,000 | 7,758 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $663,000 | 7,241 |
| Salaries and employee benefits | $343,000 | 7,348 |
| Premises and equipment expense | $114,000 | 6,459 |
| Additional noninterest expense | $206,000 | 7,067 |
| Pre-tax net operating income | $-499,000 | 8,903 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-499,000 | 8,933 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-499,000 | 8,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $533,000 | 254 |
| Net operating income | $-499,000 | 8,912 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $95,000 | 8,991 |
| Total interest expense | $23,000 | 8,921 |
| Net interest income | $72,000 | 8,986 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $7,000 | 8,881 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $380,000 | 6,898 |
| Salaries and employee benefits | $218,000 | 6,747 |
| Premises and equipment expense | $57,000 | 6,454 |
| Additional noninterest expense | $105,000 | 7,018 |
| Pre-tax net operating income | $-311,000 | 8,972 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-311,000 | 9,003 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-311,000 | 9,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $533,000 | 148 |
| Net operating income | $-311,000 | 8,977 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $252,000 | 9,056 |
| Total interest expense | $18,000 | 9,088 |
| Net interest income | $234,000 | 9,029 |
| Provision for loan and lease losses | $46,000 | 6,403 |
| Total noninterest income | $8,000 | 9,067 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $8,000 | 7,960 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $1,022,000 | 7,831 |
| Salaries and employee benefits | $474,000 | 8,179 |
| Premises and equipment expense | $223,000 | 6,510 |
| Additional noninterest expense | $325,000 | 7,604 |
| Pre-tax net operating income | $-826,000 | 8,931 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-826,000 | 9,003 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-826,000 | 9,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-826,000 | 8,954 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $166,000 | 9,145 |
| Total interest expense | $9,000 | 9,163 |
| Net interest income | $157,000 | 9,120 |
| Provision for loan and lease losses | $26,000 | 6,575 |
| Total noninterest income | $10,000 | 9,110 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $9,000 | 7,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 9,071 |
| Total noninterest expense | $771,000 | 7,809 |
| Salaries and employee benefits | $362,000 | 8,138 |
| Premises and equipment expense | $163,000 | 6,579 |
| Additional noninterest expense | $246,000 | 7,595 |
| Pre-tax net operating income | $-630,000 | 9,002 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-630,000 | 9,065 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-630,000 | 9,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-630,000 | 9,012 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $97,000 | 9,202 |
| Total interest expense | $4,000 | 9,218 |
| Net interest income | $93,000 | 9,176 |
| Provision for loan and lease losses | $24,000 | 6,151 |
| Total noninterest income | $6,000 | 9,151 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $4,000 | 8,047 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $513,000 | 7,837 |
| Salaries and employee benefits | $239,000 | 8,173 |
| Premises and equipment expense | $100,000 | 6,763 |
| Additional noninterest expense | $174,000 | 7,472 |
| Pre-tax net operating income | $-438,000 | 9,044 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-438,000 | 9,111 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-438,000 | 9,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-438,000 | 9,049 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $42,000 | 9,255 |
| Total interest expense | $2,000 | 9,258 |
| Net interest income | $40,000 | 9,231 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $3,000 | 9,187 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,000 | 8,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $248,000 | 7,949 |
| Salaries and employee benefits | $105,000 | 8,433 |
| Premises and equipment expense | $50,000 | 6,781 |
| Additional noninterest expense | $93,000 | 7,327 |
| Pre-tax net operating income | $-217,000 | 9,101 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-217,000 | 9,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-217,000 | 9,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-217,000 | 9,089 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $59,000 | 9,322 |
| Total interest expense | $55,000 | 9,239 |
| Net interest income | $4,000 | 9,346 |
| Provision for loan and lease losses | $19,000 | 7,557 |
| Total noninterest income | $2,000 | 9,274 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,000 | 8,170 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,201 |
| Total noninterest expense | $1,144,000 | 7,604 |
| Salaries and employee benefits | $546,000 | 7,950 |
| Premises and equipment expense | $84,000 | 8,390 |
| Additional noninterest expense | $514,000 | 6,424 |
| Pre-tax net operating income | $-1,157,000 | 9,156 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,157,000 | 9,211 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,157,000 | 9,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $5,415,000 | 143 |
| Net operating income | $-1,157,000 | 9,174 |
* 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.