NOVA Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $15,522,000 | 1,319 |
| Total interest expense | $6,382,000 | 511 |
| Net interest income | $9,140,000 | 1,823 |
| Provision for loan and lease losses | $7,975,000 | 273 |
| Total noninterest income | $3,597,000 | 1,173 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $3,623,000 | 321 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-26,000 | 6,785 |
| Total noninterest expense | $12,858,000 | 1,175 |
| Salaries and employee benefits | $5,290,000 | 1,441 |
| Premises and equipment expense | $1,726,000 | 1,036 |
| Additional noninterest expense | $5,842,000 | 887 |
| Pre-tax net operating income | $-8,096,000 | 7,135 |
| Securities gains (losses) | $792,000 | 513 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-7,304,000 | 7,131 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-7,304,000 | 7,131 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-7,304,000 | 7,131 |
| Net charge-offs | $10,735,000 | 246 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-8,096,000 | 7,131 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $10,812,000 | 1,272 |
| Total interest expense | $4,457,000 | 509 |
| Net interest income | $6,355,000 | 1,751 |
| Provision for loan and lease losses | $5,275,000 | 281 |
| Total noninterest income | $2,655,000 | 1,081 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $2,564,000 | 300 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $91,000 | 4,778 |
| Total noninterest expense | $8,593,000 | 1,177 |
| Salaries and employee benefits | $3,511,000 | 1,453 |
| Premises and equipment expense | $1,163,000 | 1,019 |
| Additional noninterest expense | $3,919,000 | 880 |
| Pre-tax net operating income | $-4,858,000 | 7,181 |
| Securities gains (losses) | $-202,000 | 7,149 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-5,060,000 | 7,192 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,060,000 | 7,192 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-5,060,000 | 7,192 |
| Net charge-offs | $7,579,000 | 240 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-4,858,000 | 7,184 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,672,000 | 1,217 |
| Total interest expense | $2,360,000 | 494 |
| Net interest income | $3,312,000 | 1,672 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $1,287,000 | 1,096 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $1,237,000 | 302 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $50,000 | 4,725 |
| Total noninterest expense | $4,327,000 | 1,152 |
| Salaries and employee benefits | $1,777,000 | 1,445 |
| Premises and equipment expense | $590,000 | 1,016 |
| Additional noninterest expense | $1,960,000 | 865 |
| Pre-tax net operating income | $197,000 | 4,542 |
| Securities gains (losses) | $-84,000 | 7,197 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $113,000 | 5,223 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $113,000 | 5,224 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $113,000 | 5,224 |
| Net charge-offs | $1,478,000 | 508 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $197,000 | 4,253 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $26,289,000 | 1,075 |
| Total interest expense | $11,307,000 | 494 |
| Net interest income | $14,982,000 | 1,482 |
| Provision for loan and lease losses | $4,339,000 | 881 |
| Total noninterest income | $6,426,000 | 851 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $7,078,000 | 239 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-652,000 | 7,133 |
| Total noninterest expense | $22,797,000 | 866 |
| Salaries and employee benefits | $7,519,000 | 1,315 |
| Premises and equipment expense | $2,458,000 | 1,012 |
| Additional noninterest expense | $12,820,000 | 568 |
| Pre-tax net operating income | $-5,728,000 | 7,096 |
| Securities gains (losses) | $186,000 | 1,516 |
| Applicable income taxes | $6,000 | 4,407 |
| Income before extraordinary items | $-5,548,000 | 7,093 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,548,000 | 7,091 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-5,548,000 | 7,092 |
| Net charge-offs | $6,083,000 | 679 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-5,734,000 | 7,090 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $20,430,000 | 1,048 |
| Total interest expense | $8,728,000 | 501 |
| Net interest income | $11,702,000 | 1,438 |
| Provision for loan and lease losses | $4,339,000 | 696 |
| Total noninterest income | $5,664,000 | 764 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $6,012,000 | 209 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-348,000 | 7,193 |
| Total noninterest expense | $14,183,000 | 1,051 |
| Salaries and employee benefits | $5,790,000 | 1,282 |
| Premises and equipment expense | $1,876,000 | 1,013 |
| Additional noninterest expense | $6,517,000 | 823 |
| Pre-tax net operating income | $-1,156,000 | 6,837 |
| Securities gains (losses) | $-125,000 | 7,244 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,281,000 | 6,926 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,281,000 | 6,927 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,281,000 | 6,927 |
| Net charge-offs | $4,989,000 | 627 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,156,000 | 6,867 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $14,091,000 | 1,011 |
| Total interest expense | $5,988,000 | 515 |
| Net interest income | $8,103,000 | 1,370 |
| Provision for loan and lease losses | $700,000 | 1,888 |
| Total noninterest income | $4,722,000 | 639 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $5,067,000 | 170 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-345,000 | 7,338 |
| Total noninterest expense | $9,436,000 | 1,065 |
| Salaries and employee benefits | $3,834,000 | 1,302 |
| Premises and equipment expense | $1,266,000 | 1,010 |
| Additional noninterest expense | $4,336,000 | 836 |
| Pre-tax net operating income | $2,689,000 | 1,112 |
| Securities gains (losses) | $133,000 | 947 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $2,822,000 | 877 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,822,000 | 877 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,822,000 | 877 |
| Net charge-offs | $1,609,000 | 1,062 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,689,000 | 887 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $7,243,000 | 998 |
| Total interest expense | $3,079,000 | 525 |
| Net interest income | $4,164,000 | 1,338 |
| Provision for loan and lease losses | $700,000 | 1,128 |
| Total noninterest income | $3,546,000 | 473 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $3,921,000 | 121 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-375,000 | 7,489 |
| Total noninterest expense | $4,853,000 | 1,027 |
| Salaries and employee benefits | $2,039,000 | 1,235 |
| Premises and equipment expense | $658,000 | 999 |
| Additional noninterest expense | $2,156,000 | 828 |
| Pre-tax net operating income | $2,157,000 | 734 |
| Securities gains (losses) | $256,000 | 287 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $2,413,000 | 548 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,413,000 | 547 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,413,000 | 548 |
| Net charge-offs | $-200,000 | 7,510 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $2,157,000 | 595 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $31,688,000 | 959 |
| Total interest expense | $14,357,000 | 549 |
| Net interest income | $17,331,000 | 1,292 |
| Provision for loan and lease losses | $17,160,000 | 426 |
| Total noninterest income | $3,437,000 | 1,410 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,185,000 | 373 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-748,000 | 7,454 |
| Total noninterest expense | $20,765,000 | 961 |
| Salaries and employee benefits | $7,703,000 | 1,275 |
| Premises and equipment expense | $2,808,000 | 910 |
| Additional noninterest expense | $10,254,000 | 733 |
| Pre-tax net operating income | $-17,157,000 | 7,492 |
| Securities gains (losses) | $-1,838,000 | 7,563 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-18,995,000 | 7,512 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-18,995,000 | 7,512 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-18,995,000 | 7,512 |
| Net charge-offs | $14,238,000 | 454 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $6,406,000 | 116 |
| Net operating income | $-17,157,000 | 7,494 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $24,013,000 | 966 |
| Total interest expense | $10,962,000 | 561 |
| Net interest income | $13,051,000 | 1,302 |
| Provision for loan and lease losses | $10,636,000 | 474 |
| Total noninterest income | $1,979,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,439,000 | 467 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-460,000 | 7,566 |
| Total noninterest expense | $12,582,000 | 1,194 |
| Salaries and employee benefits | $5,611,000 | 1,314 |
| Premises and equipment expense | $2,089,000 | 925 |
| Additional noninterest expense | $4,882,000 | 1,102 |
| Pre-tax net operating income | $-8,188,000 | 7,513 |
| Securities gains (losses) | $829,000 | 482 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-7,359,000 | 7,523 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,359,000 | 7,523 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,359,000 | 7,523 |
| Net charge-offs | $8,930,000 | 498 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 112 |
| Net operating income | $-8,188,000 | 7,531 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $16,023,000 | 980 |
| Total interest expense | $7,401,000 | 578 |
| Net interest income | $8,622,000 | 1,315 |
| Provision for loan and lease losses | $1,525,000 | 1,500 |
| Total noninterest income | $1,800,000 | 1,319 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,613,000 | 469 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $187,000 | 3,599 |
| Total noninterest expense | $8,214,000 | 1,211 |
| Salaries and employee benefits | $3,708,000 | 1,335 |
| Premises and equipment expense | $1,382,000 | 946 |
| Additional noninterest expense | $3,124,000 | 1,139 |
| Pre-tax net operating income | $683,000 | 3,080 |
| Securities gains (losses) | $597,000 | 403 |
| Applicable income taxes | $25,000 | 3,662 |
| Income before extraordinary items | $1,255,000 | 1,732 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,255,000 | 1,731 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,255,000 | 1,732 |
| Net charge-offs | $1,039,000 | 1,683 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $669,940 | 2,741 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $8,009,000 | 1,003 |
| Total interest expense | $3,716,000 | 607 |
| Net interest income | $4,293,000 | 1,334 |
| Provision for loan and lease losses | $725,000 | 1,445 |
| Total noninterest income | $842,000 | 1,405 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $819,000 | 467 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $23,000 | 5,777 |
| Total noninterest expense | $4,074,000 | 1,235 |
| Salaries and employee benefits | $1,817,000 | 1,381 |
| Premises and equipment expense | $768,000 | 873 |
| Additional noninterest expense | $1,489,000 | 1,184 |
| Pre-tax net operating income | $336,000 | 3,168 |
| Securities gains (losses) | $597,000 | 212 |
| Applicable income taxes | $19,000 | 3,480 |
| Income before extraordinary items | $914,000 | 1,193 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $914,000 | 1,195 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $914,000 | 1,195 |
| Net charge-offs | $705,000 | 1,320 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $328,940 | 2,850 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $34,065,000 | 995 |
| Total interest expense | $18,536,000 | 614 |
| Net interest income | $15,529,000 | 1,433 |
| Provision for loan and lease losses | $8,308,000 | 997 |
| Total noninterest income | $2,947,000 | 1,635 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,388,000 | 700 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $559,000 | 3,017 |
| Total noninterest expense | $23,073,000 | 913 |
| Salaries and employee benefits | $7,074,000 | 1,426 |
| Premises and equipment expense | $2,744,000 | 990 |
| Additional noninterest expense | $13,255,000 | 611 |
| Pre-tax net operating income | $-12,905,000 | 7,583 |
| Securities gains (losses) | $-12,773,000 | 7,950 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-25,678,000 | 7,789 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-25,678,000 | 7,787 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-25,678,000 | 7,788 |
| Net charge-offs | $5,343,000 | 1,092 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $-8,250,000 | 8,006 |
| Net operating income | $-12,905,000 | 7,633 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $25,723,000 | 1,004 |
| Total interest expense | $14,498,000 | 628 |
| Net interest income | $11,225,000 | 1,500 |
| Provision for loan and lease losses | $4,552,000 | 1,110 |
| Total noninterest income | $1,924,000 | 1,828 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,632,000 | 779 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $292,000 | 3,661 |
| Total noninterest expense | $12,158,000 | 1,266 |
| Salaries and employee benefits | $5,353,000 | 1,431 |
| Premises and equipment expense | $2,088,000 | 979 |
| Additional noninterest expense | $4,717,000 | 1,195 |
| Pre-tax net operating income | $-3,561,000 | 7,368 |
| Securities gains (losses) | $-3,067,000 | 7,973 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-6,628,000 | 7,672 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,628,000 | 7,672 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,628,000 | 7,672 |
| Net charge-offs | $1,842,000 | 1,578 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,561,000 | 7,448 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $17,264,000 | 1,016 |
| Total interest expense | $10,104,000 | 641 |
| Net interest income | $7,160,000 | 1,565 |
| Provision for loan and lease losses | $2,546,000 | 1,207 |
| Total noninterest income | $1,511,000 | 1,638 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,047,000 | 803 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $464,000 | 2,320 |
| Total noninterest expense | $8,157,000 | 1,279 |
| Salaries and employee benefits | $3,665,000 | 1,420 |
| Premises and equipment expense | $1,421,000 | 988 |
| Additional noninterest expense | $3,071,000 | 1,231 |
| Pre-tax net operating income | $-2,032,000 | 7,387 |
| Securities gains (losses) | $-3,170,000 | 8,090 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-5,202,000 | 7,811 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,202,000 | 7,810 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,202,000 | 7,810 |
| Net charge-offs | $86,000 | 4,405 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,032,000 | 7,485 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,368,000 | 1,223 |
| Total interest expense | $4,460,000 | 749 |
| Net interest income | $2,908,000 | 1,892 |
| Provision for loan and lease losses | $313,000 | 2,248 |
| Total noninterest income | $601,000 | 1,881 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $406,000 | 1,016 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $195,000 | 2,552 |
| Total noninterest expense | $3,262,000 | 1,539 |
| Salaries and employee benefits | $1,698,000 | 1,537 |
| Premises and equipment expense | $370,000 | 1,905 |
| Additional noninterest expense | $1,194,000 | 1,365 |
| Pre-tax net operating income | $-66,000 | 6,540 |
| Securities gains (losses) | $120,000 | 906 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $53,000 | 5,631 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $53,000 | 5,634 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $53,000 | 5,634 |
| Net charge-offs | $68,000 | 3,259 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-64,600 | 6,605 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,219,000 | 1,278 |
| Total interest expense | $17,948,000 | 892 |
| Net interest income | $12,271,000 | 1,817 |
| Provision for loan and lease losses | $2,273,000 | 1,663 |
| Total noninterest income | $2,086,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,426,000 | 1,261 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $660,000 | 2,738 |
| Total noninterest expense | $12,721,000 | 1,534 |
| Salaries and employee benefits | $6,039,000 | 1,690 |
| Premises and equipment expense | $1,485,000 | 1,844 |
| Additional noninterest expense | $5,197,000 | 1,224 |
| Pre-tax net operating income | $-637,000 | 6,833 |
| Securities gains (losses) | $-4,035,000 | 8,045 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-4,672,000 | 7,792 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,672,000 | 7,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,649,000 | 1,462 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-637,000 | 6,923 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,689,000 | 1,307 |
| Total interest expense | $13,462,000 | 923 |
| Net interest income | $9,227,000 | 1,823 |
| Provision for loan and lease losses | $767,000 | 2,144 |
| Total noninterest income | $1,564,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,004,000 | 1,352 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $560,000 | 2,631 |
| Total noninterest expense | $9,103,000 | 1,606 |
| Salaries and employee benefits | $4,376,000 | 1,772 |
| Premises and equipment expense | $1,027,000 | 1,987 |
| Additional noninterest expense | $3,700,000 | 1,238 |
| Pre-tax net operating income | $921,000 | 3,833 |
| Securities gains (losses) | $28,000 | 1,801 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $949,000 | 3,216 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $949,000 | 3,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,686 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $921,000 | 3,403 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,864,000 | 1,349 |
| Total interest expense | $8,954,000 | 962 |
| Net interest income | $5,910,000 | 1,905 |
| Provision for loan and lease losses | $367,000 | 2,262 |
| Total noninterest income | $922,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $618,000 | 1,438 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $304,000 | 2,995 |
| Total noninterest expense | $5,775,000 | 1,678 |
| Salaries and employee benefits | $2,730,000 | 1,908 |
| Premises and equipment expense | $649,000 | 2,078 |
| Additional noninterest expense | $2,396,000 | 1,240 |
| Pre-tax net operating income | $690,000 | 3,721 |
| Securities gains (losses) | $28,000 | 1,831 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $718,000 | 3,276 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $718,000 | 3,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,825 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $690,000 | 3,290 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,428,000 | 1,384 |
| Total interest expense | $4,541,000 | 1,021 |
| Net interest income | $2,887,000 | 1,932 |
| Provision for loan and lease losses | $151,000 | 2,116 |
| Total noninterest income | $437,000 | 2,445 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $305,000 | 1,436 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $132,000 | 3,267 |
| Total noninterest expense | $2,826,000 | 1,710 |
| Salaries and employee benefits | $1,342,000 | 1,962 |
| Premises and equipment expense | $330,000 | 2,053 |
| Additional noninterest expense | $1,154,000 | 1,245 |
| Pre-tax net operating income | $347,000 | 3,839 |
| Securities gains (losses) | $28,000 | 1,404 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $375,000 | 3,325 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $375,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $347,000 | 3,396 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,368,000 | 1,638 |
| Total interest expense | $17,011,000 | 1,163 |
| Net interest income | $9,357,000 | 2,380 |
| Provision for loan and lease losses | $666,000 | 1,910 |
| Total noninterest income | $1,810,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,010,000 | 1,750 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $800,000 | 2,558 |
| Total noninterest expense | $11,015,000 | 1,678 |
| Salaries and employee benefits | $5,011,000 | 2,002 |
| Premises and equipment expense | $2,075,000 | 1,277 |
| Additional noninterest expense | $3,929,000 | 1,407 |
| Pre-tax net operating income | $-514,000 | 7,826 |
| Securities gains (losses) | $287,000 | 371 |
| Applicable income taxes | $66,000 | 4,768 |
| Income before extraordinary items | $-293,000 | 7,771 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-293,000 | 7,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,580 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-580,000 | 7,923 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,289,000 | 1,685 |
| Total interest expense | $12,439,000 | 1,194 |
| Net interest income | $6,850,000 | 2,440 |
| Provision for loan and lease losses | $196,000 | 3,049 |
| Total noninterest income | $1,253,000 | 2,514 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $712,000 | 1,831 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $541,000 | 2,711 |
| Total noninterest expense | $8,279,000 | 1,658 |
| Salaries and employee benefits | $3,855,000 | 1,955 |
| Premises and equipment expense | $1,572,000 | 1,260 |
| Additional noninterest expense | $2,852,000 | 1,413 |
| Pre-tax net operating income | $-372,000 | 8,003 |
| Securities gains (losses) | $149,000 | 417 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-223,000 | 7,948 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-223,000 | 7,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,510 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-372,000 | 8,040 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,713,000 | 1,712 |
| Total interest expense | $8,156,000 | 1,222 |
| Net interest income | $4,557,000 | 2,479 |
| Provision for loan and lease losses | $46,000 | 4,481 |
| Total noninterest income | $757,000 | 2,691 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $495,000 | 1,763 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $262,000 | 3,255 |
| Total noninterest expense | $5,563,000 | 1,662 |
| Salaries and employee benefits | $2,660,000 | 1,918 |
| Premises and equipment expense | $1,045,000 | 1,281 |
| Additional noninterest expense | $1,858,000 | 1,473 |
| Pre-tax net operating income | $-295,000 | 8,153 |
| Securities gains (losses) | $142,000 | 357 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-153,000 | 8,071 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-153,000 | 8,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,306 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-295,000 | 8,186 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,394,000 | 1,692 |
| Total interest expense | $4,010,000 | 1,226 |
| Net interest income | $2,384,000 | 2,382 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $404,000 | 2,550 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $286,000 | 1,503 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $118,000 | 3,468 |
| Total noninterest expense | $2,778,000 | 1,666 |
| Salaries and employee benefits | $1,358,000 | 1,894 |
| Premises and equipment expense | $526,000 | 1,283 |
| Additional noninterest expense | $894,000 | 1,492 |
| Pre-tax net operating income | $10,000 | 7,744 |
| Securities gains (losses) | $23,000 | 536 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $33,000 | 7,419 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $33,000 | 7,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,389 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $10,000 | 7,731 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,915,000 | 1,763 |
| Total interest expense | $14,062,000 | 1,194 |
| Net interest income | $8,853,000 | 2,547 |
| Provision for loan and lease losses | $80,000 | 5,017 |
| Total noninterest income | $1,411,000 | 2,817 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $843,000 | 2,034 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $568,000 | 3,117 |
| Total noninterest expense | $10,416,000 | 1,709 |
| Salaries and employee benefits | $4,665,000 | 2,096 |
| Premises and equipment expense | $1,871,000 | 1,377 |
| Additional noninterest expense | $3,880,000 | 1,370 |
| Pre-tax net operating income | $-232,000 | 8,138 |
| Securities gains (losses) | $38,000 | 744 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-194,000 | 8,143 |
| Extraordinary gains, net | $16,000 | 43 |
| Net income | $-178,000 | 8,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,155 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-232,000 | 8,165 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,721,000 | 1,803 |
| Total interest expense | $10,075,000 | 1,215 |
| Net interest income | $6,646,000 | 2,574 |
| Provision for loan and lease losses | $25,000 | 5,821 |
| Total noninterest income | $1,065,000 | 2,812 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $581,000 | 2,184 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $484,000 | 2,901 |
| Total noninterest expense | $7,377,000 | 1,809 |
| Salaries and employee benefits | $3,423,000 | 2,147 |
| Premises and equipment expense | $1,373,000 | 1,421 |
| Additional noninterest expense | $2,581,000 | 1,530 |
| Pre-tax net operating income | $309,000 | 6,965 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $310,000 | 6,682 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $310,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,593 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $309,000 | 6,689 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,994,000 | 1,794 |
| Total interest expense | $6,410,000 | 1,216 |
| Net interest income | $4,584,000 | 2,496 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $693,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $375,000 | 2,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $318,000 | 2,902 |
| Total noninterest expense | $4,899,000 | 1,819 |
| Salaries and employee benefits | $2,320,000 | 2,115 |
| Premises and equipment expense | $899,000 | 1,447 |
| Additional noninterest expense | $1,680,000 | 1,569 |
| Pre-tax net operating income | $378,000 | 6,013 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $378,000 | 5,516 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $378,000 | 5,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $378,000 | 5,516 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,523,000 | 1,726 |
| Total interest expense | $3,167,000 | 1,164 |
| Net interest income | $2,356,000 | 2,434 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $335,000 | 2,869 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $186,000 | 2,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $149,000 | 2,973 |
| Total noninterest expense | $2,456,000 | 1,802 |
| Salaries and employee benefits | $1,181,000 | 2,083 |
| Premises and equipment expense | $455,000 | 1,429 |
| Additional noninterest expense | $820,000 | 1,589 |
| Pre-tax net operating income | $235,000 | 5,499 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $235,000 | 4,982 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $235,000 | 4,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,940 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $235,000 | 4,963 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,323,000 | 1,727 |
| Total interest expense | $11,681,000 | 953 |
| Net interest income | $7,642,000 | 2,819 |
| Provision for loan and lease losses | $275,000 | 3,001 |
| Total noninterest income | $1,535,000 | 2,648 |
| Gross Fiduciary activities income | $5,000 | 1,378 |
| Service charges on deposit accounts | $655,000 | 2,474 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $875,000 | 2,404 |
| Total noninterest expense | $10,729,000 | 1,596 |
| Salaries and employee benefits | $4,768,000 | 1,935 |
| Premises and equipment expense | $1,522,000 | 1,598 |
| Additional noninterest expense | $4,439,000 | 1,146 |
| Pre-tax net operating income | $-1,827,000 | 8,753 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,829,000 | 8,766 |
| Extraordinary gains, net | $-238,000 | 8,821 |
| Net income | $-2,067,000 | 8,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,797 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,827,000 | 8,753 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,304,000 | 1,612 |
| Total interest expense | $8,746,000 | 902 |
| Net interest income | $6,558,000 | 2,475 |
| Provision for loan and lease losses | $75,000 | 4,689 |
| Total noninterest income | $1,126,000 | 2,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $395,000 | 2,947 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $731,000 | 2,252 |
| Total noninterest expense | $7,012,000 | 1,795 |
| Salaries and employee benefits | $3,586,000 | 1,916 |
| Premises and equipment expense | $1,125,000 | 1,613 |
| Additional noninterest expense | $2,301,000 | 1,629 |
| Pre-tax net operating income | $597,000 | 6,021 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $595,000 | 5,461 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $595,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,434 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $597,000 | 5,428 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,218,000 | 1,557 |
| Total interest expense | $5,893,000 | 845 |
| Net interest income | $4,325,000 | 2,475 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $684,000 | 2,815 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $191,000 | 3,608 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $493,000 | 2,206 |
| Total noninterest expense | $4,571,000 | 1,815 |
| Salaries and employee benefits | $2,371,000 | 1,915 |
| Premises and equipment expense | $731,000 | 1,641 |
| Additional noninterest expense | $1,469,000 | 1,680 |
| Pre-tax net operating income | $438,000 | 5,758 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $436,000 | 5,230 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $436,000 | 5,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,119 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $438,000 | 5,173 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,053,000 | 1,545 |
| Total interest expense | $2,922,000 | 821 |
| Net interest income | $2,131,000 | 2,509 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $303,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $69,000 | 4,296 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $234,000 | 2,251 |
| Total noninterest expense | $2,286,000 | 1,824 |
| Salaries and employee benefits | $1,092,000 | 2,096 |
| Premises and equipment expense | $361,000 | 1,673 |
| Additional noninterest expense | $833,000 | 1,494 |
| Pre-tax net operating income | $148,000 | 6,599 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $148,000 | 6,133 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $148,000 | 6,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $148,000 | 6,092 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,034,000 | 1,604 |
| Total interest expense | $9,713,000 | 835 |
| Net interest income | $8,321,000 | 2,463 |
| Provision for loan and lease losses | $1,095,000 | 972 |
| Total noninterest income | $691,000 | 4,419 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $270,000 | 4,563 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $421,000 | 3,627 |
| Total noninterest expense | $7,752,000 | 2,061 |
| Salaries and employee benefits | $3,699,000 | 2,343 |
| Premises and equipment expense | $1,044,000 | 2,192 |
| Additional noninterest expense | $3,009,000 | 1,619 |
| Pre-tax net operating income | $165,000 | 7,891 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $165,000 | 7,809 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $165,000 | 7,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,710,000 | 521 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $165,000 | 7,772 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,322,000 | 1,605 |
| Total interest expense | $7,011,000 | 838 |
| Net interest income | $6,311,000 | 2,399 |
| Provision for loan and lease losses | $1,095,000 | 722 |
| Total noninterest income | $460,000 | 4,763 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $180,000 | 4,857 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $280,000 | 3,858 |
| Total noninterest expense | $5,597,000 | 2,133 |
| Salaries and employee benefits | $2,569,000 | 2,513 |
| Premises and equipment expense | $779,000 | 2,205 |
| Additional noninterest expense | $2,249,000 | 1,602 |
| Pre-tax net operating income | $79,000 | 8,215 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $79,000 | 8,190 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $79,000 | 8,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,659,000 | 397 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $79,000 | 8,142 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,722,000 | 1,621 |
| Total interest expense | $4,489,000 | 861 |
| Net interest income | $4,233,000 | 2,360 |
| Provision for loan and lease losses | $1,025,000 | 512 |
| Total noninterest income | $304,000 | 4,783 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $98,000 | 5,306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $206,000 | 3,672 |
| Total noninterest expense | $3,561,000 | 2,216 |
| Salaries and employee benefits | $1,586,000 | 2,691 |
| Premises and equipment expense | $514,000 | 2,222 |
| Additional noninterest expense | $1,461,000 | 1,647 |
| Pre-tax net operating income | $-49,000 | 8,628 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-49,000 | 8,664 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-49,000 | 8,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,778,000 | 286 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-49,000 | 8,631 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,244,000 | 1,659 |
| Total interest expense | $2,146,000 | 935 |
| Net interest income | $2,098,000 | 2,384 |
| Provision for loan and lease losses | $70,000 | 2,755 |
| Total noninterest income | $174,000 | 4,410 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $51,000 | 5,172 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $123,000 | 3,300 |
| Total noninterest expense | $1,717,000 | 2,319 |
| Salaries and employee benefits | $756,000 | 2,830 |
| Premises and equipment expense | $280,000 | 2,073 |
| Additional noninterest expense | $681,000 | 1,750 |
| Pre-tax net operating income | $485,000 | 3,606 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $54,000 | 4,750 |
| Income before extraordinary items | $431,000 | 3,312 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $431,000 | 3,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $431,000 | 3,196 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,836,000 | 1,911 |
| Total interest expense | $8,891,000 | 1,004 |
| Net interest income | $5,945,000 | 3,218 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $928,000 | 3,877 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $319,000 | 4,157 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $609,000 | 3,221 |
| Total noninterest expense | $6,625,000 | 2,366 |
| Salaries and employee benefits | $2,641,000 | 3,116 |
| Premises and equipment expense | $1,046,000 | 2,178 |
| Additional noninterest expense | $2,938,000 | 1,662 |
| Pre-tax net operating income | $-52,000 | 8,601 |
| Securities gains (losses) | $76,000 | 2,141 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $24,000 | 8,558 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $24,000 | 8,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,755 |
| Cash dividends | $250,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-52,000 | 8,612 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,753,000 | 2,014 |
| Total interest expense | $6,703,000 | 1,040 |
| Net interest income | $4,050,000 | 3,496 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $550,000 | 4,462 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $248,000 | 4,112 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $302,000 | 4,033 |
| Total noninterest expense | $5,061,000 | 2,332 |
| Salaries and employee benefits | $1,966,000 | 3,142 |
| Premises and equipment expense | $803,000 | 2,130 |
| Additional noninterest expense | $2,292,000 | 1,598 |
| Pre-tax net operating income | $-686,000 | 9,015 |
| Securities gains (losses) | $76,000 | 1,981 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-610,000 | 9,059 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-610,000 | 9,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,115 |
| Cash dividends | $250,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-686,000 | 9,025 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,470,000 | 1,952 |
| Total interest expense | $4,464,000 | 1,075 |
| Net interest income | $3,006,000 | 3,184 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $385,000 | 4,347 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $172,000 | 3,976 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $213,000 | 3,928 |
| Total noninterest expense | $3,583,000 | 2,194 |
| Salaries and employee benefits | $1,416,000 | 2,933 |
| Premises and equipment expense | $560,000 | 2,046 |
| Additional noninterest expense | $1,607,000 | 1,524 |
| Pre-tax net operating income | $-342,000 | 9,005 |
| Securities gains (losses) | $76,000 | 1,726 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-266,000 | 9,046 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-266,000 | 9,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,819 |
| Cash dividends | $250,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-342,000 | 9,021 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,853,000 | 1,911 |
| Total interest expense | $2,201,000 | 1,117 |
| Net interest income | $1,652,000 | 2,901 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $204,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $86,000 | 3,914 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 3,632 |
| Total noninterest expense | $1,780,000 | 2,197 |
| Salaries and employee benefits | $717,000 | 2,893 |
| Premises and equipment expense | $277,000 | 2,058 |
| Additional noninterest expense | $786,000 | 1,510 |
| Pre-tax net operating income | $1,000 | 8,682 |
| Securities gains (losses) | $88,000 | 1,072 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $89,000 | 7,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 7,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,529 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,000 | 8,648 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,007,000 | 1,923 |
| Total interest expense | $10,148,000 | 1,101 |
| Net interest income | $5,859,000 | 3,207 |
| Provision for loan and lease losses | $586,000 | 2,117 |
| Total noninterest income | $971,000 | 3,549 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $412,000 | 3,465 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $559,000 | 3,083 |
| Total noninterest expense | $8,472,000 | 1,788 |
| Salaries and employee benefits | $2,994,000 | 2,640 |
| Premises and equipment expense | $1,397,000 | 1,588 |
| Additional noninterest expense | $4,081,000 | 1,195 |
| Pre-tax net operating income | $-2,228,000 | 9,259 |
| Securities gains (losses) | $158,000 | 1,337 |
| Applicable income taxes | $-89,000 | 9,052 |
| Income before extraordinary items | $-1,981,000 | 9,276 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,981,000 | 9,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,916 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-2,132,680 | 9,259 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,907,000 | 1,320 |
| Total interest expense | $15,865,000 | 1,020 |
| Net interest income | $10,042,000 | 1,773 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $1,162,000 | 2,992 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $809,000 | 1,883 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $353,000 | 3,798 |
| Total noninterest expense | $13,837,000 | 1,071 |
| Salaries and employee benefits | $2,896,000 | 2,588 |
| Premises and equipment expense | $1,380,000 | 1,559 |
| Additional noninterest expense | $9,561,000 | 594 |
| Pre-tax net operating income | $-2,683,000 | 9,521 |
| Securities gains (losses) | $-3,488,000 | 9,604 |
| Applicable income taxes | $-32,000 | 9,096 |
| Income before extraordinary items | $-6,139,000 | 9,577 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-6,139,000 | 9,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,784 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-2,685,880 | 9,529 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,398,000 | 1,162 |
| Total interest expense | $18,926,000 | 948 |
| Net interest income | $11,472,000 | 1,534 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,213,000 | 2,736 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $503,000 | 2,675 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $710,000 | 2,338 |
| Total noninterest expense | $19,453,000 | 772 |
| Salaries and employee benefits | $4,828,000 | 1,470 |
| Premises and equipment expense | $1,052,000 | 1,972 |
| Additional noninterest expense | $13,573,000 | 472 |
| Pre-tax net operating income | $-6,768,000 | 9,879 |
| Securities gains (losses) | $-85,000 | 9,373 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-6,853,000 | 9,872 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-6,853,000 | 9,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,720 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-6,768,000 | 9,872 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,698,000 | 1,506 |
| Total interest expense | $12,320,000 | 1,233 |
| Net interest income | $9,378,000 | 1,865 |
| Provision for loan and lease losses | $1,175,000 | 861 |
| Total noninterest income | $1,900,000 | 1,923 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $37,000 | 8,144 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,863,000 | 1,213 |
| Total noninterest expense | $11,958,000 | 1,155 |
| Salaries and employee benefits | $3,427,000 | 2,051 |
| Premises and equipment expense | $787,000 | 2,576 |
| Additional noninterest expense | $7,744,000 | 720 |
| Pre-tax net operating income | $-1,855,000 | 10,151 |
| Securities gains (losses) | $15,000 | 1,536 |
| Applicable income taxes | $-588,000 | 10,144 |
| Income before extraordinary items | $-1,252,000 | 10,114 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,252,000 | 10,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,383 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,262,200 | 10,107 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,303,000 | 2,649 |
| Total interest expense | $6,365,000 | 2,366 |
| Net interest income | $5,938,000 | 2,906 |
| Provision for loan and lease losses | $510,000 | 1,691 |
| Total noninterest income | $169,000 | 7,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,664 |
| Total noninterest expense | $3,539,000 | 3,575 |
| Salaries and employee benefits | $1,389,000 | 4,522 |
| Premises and equipment expense | $523,000 | 3,561 |
| Additional noninterest expense | $1,627,000 | 2,576 |
| Pre-tax net operating income | $2,058,000 | 3,276 |
| Securities gains (losses) | $383,000 | 643 |
| Applicable income taxes | $915,000 | 2,474 |
| Income before extraordinary items | $1,526,000 | 3,212 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,526,000 | 3,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,280,880 | 3,650 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,846,000 | 5,921 |
| Total interest expense | $2,515,000 | 5,385 |
| Net interest income | $2,331,000 | 6,315 |
| Provision for loan and lease losses | $415,000 | 2,043 |
| Total noninterest income | $68,000 | 9,985 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 9,014 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $1,885,000 | 5,892 |
| Salaries and employee benefits | $684,000 | 7,411 |
| Premises and equipment expense | $258,000 | 5,947 |
| Additional noninterest expense | $943,000 | 4,124 |
| Pre-tax net operating income | $99,000 | 10,070 |
| Securities gains (losses) | $100,000 | 984 |
| Applicable income taxes | $-1,000 | 10,483 |
| Income before extraordinary items | $200,000 | 9,151 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $200,000 | 9,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $100,000 | 9,920 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,948,000 | 8,070 |
| Total interest expense | $1,221,000 | 8,317 |
| Net interest income | $1,727,000 | 7,708 |
| Provision for loan and lease losses | $125,000 | 4,497 |
| Total noninterest income | $50,000 | 10,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 9,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,363 |
| Total noninterest expense | $1,395,000 | 7,409 |
| Salaries and employee benefits | $759,000 | 7,210 |
| Premises and equipment expense | $137,000 | 8,364 |
| Additional noninterest expense | $499,000 | 7,061 |
| Pre-tax net operating income | $257,000 | 9,436 |
| Securities gains (losses) | $22,000 | 1,932 |
| Applicable income taxes | $143,000 | 7,982 |
| Income before extraordinary items | $136,000 | 9,927 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $136,000 | 9,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $121,920 | 9,976 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 10,614 |
| Total interest expense | $1,011,000 | 9,214 |
| Net interest income | $439,000 | 11,522 |
| Provision for loan and lease losses | $51,000 | 6,147 |
| Total noninterest income | $6,000 | 11,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,713 |
| Total noninterest expense | $574,000 | 10,687 |
| Salaries and employee benefits | $278,000 | 10,936 |
| Premises and equipment expense | $95,000 | 9,761 |
| Additional noninterest expense | $210,000 | 10,303 |
| Pre-tax net operating income | $-180,000 | 11,660 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-4,000 | 11,494 |
| Income before extraordinary items | $-176,000 | 11,667 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-176,000 | 11,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-176,000 | 11,651 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,181,000 | 11,389 |
| Total interest expense | $726,000 | 9,953 |
| Net interest income | $455,000 | 12,116 |
| Provision for loan and lease losses | $-16,000 | 11,813 |
| Total noninterest income | $11,000 | 12,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,029 |
| Total noninterest expense | $521,000 | 11,500 |
| Salaries and employee benefits | $212,000 | 11,977 |
| Premises and equipment expense | $85,000 | 10,492 |
| Additional noninterest expense | $224,000 | 10,848 |
| Pre-tax net operating income | $-39,000 | 12,153 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $5,000 | 11,491 |
| Income before extraordinary items | $-44,000 | 12,101 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-44,000 | 12,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 923 |
| Net operating income | $-44,000 | 12,122 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,247,000 | 11,789 |
| Total interest expense | $805,000 | 10,034 |
| Net interest income | $442,000 | 12,708 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $10,000 | 13,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $500,000 | 12,171 |
| Salaries and employee benefits | $215,000 | 12,497 |
| Premises and equipment expense | $102,000 | 10,386 |
| Additional noninterest expense | $183,000 | 11,973 |
| Pre-tax net operating income | $-63,000 | 12,555 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-63,000 | 12,622 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-63,000 | 12,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,191 |
| Net operating income | $-63,000 | 12,521 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 12,059 |
| Total interest expense | $969,000 | 10,532 |
| Net interest income | $490,000 | 13,112 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $5,000 | 13,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 11,741 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,723 |
| Total noninterest expense | $461,000 | 12,851 |
| Salaries and employee benefits | $204,000 | 13,114 |
| Premises and equipment expense | $79,000 | 11,525 |
| Additional noninterest expense | $178,000 | 12,547 |
| Pre-tax net operating income | $-19,000 | 12,791 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-10,000 | 12,922 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-10,000 | 12,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-19,000 | 12,740 |
* 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.