Home > NVB Business Bank > Income and Expense
NVB Business Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,410,000 | 3,528 |
| Total interest expense | $751,000 | 3,991 |
| Net interest income | $1,659,000 | 3,265 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $85,000 | 5,947 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,927 |
| Total noninterest expense | $1,735,000 | 2,554 |
| Salaries and employee benefits | $796,000 | 2,984 |
| Premises and equipment expense | $330,000 | 1,923 |
| Additional noninterest expense | $609,000 | 2,128 |
| Pre-tax net operating income | $9,000 | 8,129 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-13,000 | 8,539 |
| Income before extraordinary items | $22,000 | 7,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $22,000 | 7,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $22,000 | 7,954 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,121,000 | 3,709 |
| Total interest expense | $2,137,000 | 4,242 |
| Net interest income | $5,984,000 | 3,428 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $298,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $93,000 | 6,387 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $205,000 | 5,108 |
| Total noninterest expense | $7,157,000 | 2,340 |
| Salaries and employee benefits | $3,270,000 | 2,752 |
| Premises and equipment expense | $1,354,000 | 1,787 |
| Additional noninterest expense | $2,533,000 | 1,995 |
| Pre-tax net operating income | $-1,175,000 | 8,673 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-550,000 | 8,774 |
| Income before extraordinary items | $-625,000 | 8,587 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-625,000 | 8,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,385 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-625,000 | 8,569 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,801,000 | 3,805 |
| Total interest expense | $1,458,000 | 4,379 |
| Net interest income | $4,343,000 | 3,514 |
| Provision for loan and lease losses | $100,000 | 4,154 |
| Total noninterest income | $218,000 | 6,410 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $66,000 | 6,495 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $152,000 | 5,165 |
| Total noninterest expense | $5,296,000 | 2,345 |
| Salaries and employee benefits | $2,345,000 | 2,826 |
| Premises and equipment expense | $986,000 | 1,827 |
| Additional noninterest expense | $1,965,000 | 1,895 |
| Pre-tax net operating income | $-835,000 | 8,691 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-391,000 | 8,810 |
| Income before extraordinary items | $-444,000 | 8,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-444,000 | 8,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,581 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-444,000 | 8,588 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 3,795 |
| Total interest expense | $876,000 | 4,514 |
| Net interest income | $2,904,000 | 3,491 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $140,000 | 6,471 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $41,000 | 6,574 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $99,000 | 5,211 |
| Total noninterest expense | $3,588,000 | 2,297 |
| Salaries and employee benefits | $1,558,000 | 2,825 |
| Premises and equipment expense | $658,000 | 1,814 |
| Additional noninterest expense | $1,372,000 | 1,799 |
| Pre-tax net operating income | $-544,000 | 8,687 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-262,000 | 8,811 |
| Income before extraordinary items | $-282,000 | 8,629 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-282,000 | 8,629 |
| 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 | $0 | 643 |
| Net operating income | $-282,000 | 8,604 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 3,869 |
| Total interest expense | $386,000 | 4,786 |
| Net interest income | $1,440,000 | 3,526 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $19,000 | 6,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $1,638,000 | 2,501 |
| Salaries and employee benefits | $822,000 | 2,714 |
| Premises and equipment expense | $314,000 | 1,902 |
| Additional noninterest expense | $502,000 | 2,429 |
| Pre-tax net operating income | $-119,000 | 8,662 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-67,000 | 8,817 |
| Income before extraordinary items | $-52,000 | 8,602 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-52,000 | 8,602 |
| 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 | $-52,000 | 8,580 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,235,000 | 7,149 |
| Total interest expense | $392,000 | 7,723 |
| Net interest income | $1,843,000 | 6,842 |
| Provision for loan and lease losses | $130,000 | 4,479 |
| Total noninterest income | $109,000 | 7,985 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $24,000 | 7,620 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $85,000 | 6,680 |
| Total noninterest expense | $1,452,000 | 6,967 |
| Salaries and employee benefits | $811,000 | 6,886 |
| Premises and equipment expense | $265,000 | 6,036 |
| Additional noninterest expense | $376,000 | 7,257 |
| Pre-tax net operating income | $370,000 | 7,203 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $134,000 | 5,229 |
| Income before extraordinary items | $236,000 | 7,476 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $236,000 | 7,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,425 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $236,000 | 7,429 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $520,000 | 8,701 |
| Total interest expense | $102,000 | 8,699 |
| Net interest income | $418,000 | 8,650 |
| Provision for loan and lease losses | $16,000 | 6,508 |
| Total noninterest income | $31,000 | 8,696 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $6,000 | 7,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 7,883 |
| Total noninterest expense | $356,000 | 8,730 |
| Salaries and employee benefits | $203,000 | 8,699 |
| Premises and equipment expense | $60,000 | 8,206 |
| Additional noninterest expense | $93,000 | 8,746 |
| Pre-tax net operating income | $77,000 | 8,226 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $27,000 | 6,358 |
| Income before extraordinary items | $50,000 | 8,315 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $50,000 | 8,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $50,000 | 8,279 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,802,000 | 4,458 |
| Total interest expense | $467,000 | 5,850 |
| Net interest income | $2,335,000 | 3,992 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $262,000 | 5,165 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $35,000 | 7,014 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $227,000 | 3,504 |
| Total noninterest expense | $2,020,000 | 3,703 |
| Salaries and employee benefits | $1,073,000 | 3,773 |
| Premises and equipment expense | $376,000 | 2,943 |
| Additional noninterest expense | $571,000 | 3,896 |
| Pre-tax net operating income | $557,000 | 5,031 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $15,000 | 6,460 |
| Income before extraordinary items | $542,000 | 4,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $542,000 | 4,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $471,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 521 |
| Net operating income | $542,000 | 4,437 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 4,516 |
| Total interest expense | $229,000 | 5,952 |
| Net interest income | $1,158,000 | 4,005 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $141,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $124,000 | 3,282 |
| Total noninterest expense | $945,000 | 3,934 |
| Salaries and employee benefits | $558,000 | 3,675 |
| Premises and equipment expense | $184,000 | 3,026 |
| Additional noninterest expense | $203,000 | 5,026 |
| Pre-tax net operating income | $354,000 | 4,401 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,000 | 6,242 |
| Income before extraordinary items | $344,000 | 3,895 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $344,000 | 3,894 |
| 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 | $0 | 464 |
| Net operating income | $344,000 | 3,773 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,379,000 | 4,645 |
| Total interest expense | $1,092,000 | 5,857 |
| Net interest income | $4,287,000 | 4,149 |
| Provision for loan and lease losses | $7,000 | 7,463 |
| Total noninterest income | $786,000 | 4,274 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $79,000 | 6,910 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $707,000 | 2,956 |
| Total noninterest expense | $3,843,000 | 3,825 |
| Salaries and employee benefits | $2,168,000 | 3,667 |
| Premises and equipment expense | $697,000 | 3,093 |
| Additional noninterest expense | $978,000 | 4,358 |
| Pre-tax net operating income | $1,223,000 | 4,644 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $46,000 | 6,343 |
| Income before extraordinary items | $1,177,000 | 4,189 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,177,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $374,000 | 4,061 |
| Sale, conversion, retirement of capital stock, net | $1,821,000 | 354 |
| Net operating income | $1,177,000 | 4,020 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,018,000 | 4,716 |
| Total interest expense | $838,000 | 5,933 |
| Net interest income | $3,180,000 | 4,207 |
| Provision for loan and lease losses | $26,000 | 6,575 |
| Total noninterest income | $562,000 | 4,417 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $62,000 | 6,909 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $500,000 | 3,138 |
| Total noninterest expense | $2,890,000 | 3,813 |
| Salaries and employee benefits | $1,663,000 | 3,586 |
| Premises and equipment expense | $506,000 | 3,190 |
| Additional noninterest expense | $721,000 | 4,382 |
| Pre-tax net operating income | $826,000 | 5,045 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $32,000 | 6,525 |
| Income before extraordinary items | $794,000 | 4,616 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $794,000 | 4,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $374,000 | 3,148 |
| Sale, conversion, retirement of capital stock, net | $1,806,000 | 250 |
| Net operating income | $794,000 | 4,438 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,657,000 | 4,777 |
| Total interest expense | $578,000 | 5,957 |
| Net interest income | $2,079,000 | 4,279 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $401,000 | 4,238 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $42,000 | 6,879 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $359,000 | 2,970 |
| Total noninterest expense | $1,807,000 | 3,987 |
| Salaries and employee benefits | $1,069,000 | 3,699 |
| Premises and equipment expense | $319,000 | 3,316 |
| Additional noninterest expense | $419,000 | 4,843 |
| Pre-tax net operating income | $593,000 | 4,859 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $25,000 | 6,463 |
| Income before extraordinary items | $568,000 | 4,448 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $568,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $374,000 | 2,568 |
| Sale, conversion, retirement of capital stock, net | $1,806,000 | 157 |
| Net operating income | $568,000 | 4,231 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,304,000 | 4,864 |
| Total interest expense | $299,000 | 5,943 |
| Net interest income | $1,005,000 | 4,388 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $208,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $189,000 | 2,816 |
| Total noninterest expense | $856,000 | 4,156 |
| Salaries and employee benefits | $507,000 | 3,856 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $203,000 | 4,916 |
| Pre-tax net operating income | $312,000 | 4,693 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $12,000 | 6,453 |
| Income before extraordinary items | $300,000 | 4,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $300,000 | 4,240 |
| 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 | $300,000 | 4,049 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,002,000 | 5,175 |
| Total interest expense | $1,373,000 | 5,995 |
| Net interest income | $3,629,000 | 4,653 |
| Provision for loan and lease losses | $295,000 | 3,501 |
| Total noninterest income | $602,000 | 4,723 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $89,000 | 6,775 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $513,000 | 3,238 |
| Total noninterest expense | $2,986,000 | 4,476 |
| Salaries and employee benefits | $1,839,000 | 4,010 |
| Premises and equipment expense | $431,000 | 4,390 |
| Additional noninterest expense | $716,000 | 5,335 |
| Pre-tax net operating income | $950,000 | 5,344 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $16,000 | 7,144 |
| Income before extraordinary items | $934,000 | 4,776 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $934,000 | 4,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $157,000 | 5,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $934,000 | 4,649 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,868,000 | 6,462 |
| Total interest expense | $1,436,000 | 7,104 |
| Net interest income | $2,432,000 | 5,805 |
| Provision for loan and lease losses | $185,000 | 4,295 |
| Total noninterest income | $369,000 | 5,890 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $75,000 | 7,070 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $294,000 | 4,159 |
| Total noninterest expense | $2,231,000 | 5,341 |
| Salaries and employee benefits | $1,341,000 | 4,921 |
| Premises and equipment expense | $362,000 | 4,920 |
| Additional noninterest expense | $528,000 | 6,269 |
| Pre-tax net operating income | $385,000 | 7,045 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $393,000 | 6,612 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $393,000 | 6,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,394,000 | 358 |
| Net operating income | $384,000 | 6,529 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 7,302 |
| Total interest expense | $1,417,000 | 7,317 |
| Net interest income | $1,691,000 | 7,128 |
| Provision for loan and lease losses | $161,000 | 4,247 |
| Total noninterest income | $198,000 | 7,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 5,749 |
| Total noninterest expense | $1,596,000 | 6,494 |
| Salaries and employee benefits | $898,000 | 6,326 |
| Premises and equipment expense | $277,000 | 5,678 |
| Additional noninterest expense | $421,000 | 6,991 |
| Pre-tax net operating income | $132,000 | 8,678 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $1,000 | 8,314 |
| Income before extraordinary items | $127,000 | 8,544 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $127,000 | 8,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $130,960 | 8,517 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,332,000 | 9,273 |
| Total interest expense | $610,000 | 9,181 |
| Net interest income | $722,000 | 9,231 |
| Provision for loan and lease losses | $142,000 | 4,395 |
| Total noninterest income | $87,000 | 9,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 8,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,128 |
| Total noninterest expense | $1,243,000 | 7,456 |
| Salaries and employee benefits | $643,000 | 7,526 |
| Premises and equipment expense | $262,000 | 5,888 |
| Additional noninterest expense | $338,000 | 7,808 |
| Pre-tax net operating income | $-576,000 | 9,897 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $-577,000 | 9,948 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-577,000 | 9,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 938 |
| Net operating income | $-577,000 | 9,929 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $237,000 | 10,342 |
| Total interest expense | $112,000 | 10,288 |
| Net interest income | $125,000 | 10,363 |
| Provision for loan and lease losses | $42,000 | 6,869 |
| Total noninterest income | $4,000 | 10,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $772,000 | 8,864 |
| Salaries and employee benefits | $426,000 | 8,802 |
| Premises and equipment expense | $99,000 | 8,732 |
| Additional noninterest expense | $247,000 | 8,632 |
| Pre-tax net operating income | $-685,000 | 10,264 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $-686,000 | 10,302 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-686,000 | 10,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,700,000 | 249 |
| Net operating income | $-686,000 | 10,277 |
* 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.