Home > Old Harbor Bank > Income and Expense
Old Harbor Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 3,121 |
| Total interest expense | $1,929,000 | 2,349 |
| Net interest income | $4,641,000 | 3,395 |
| Provision for loan and lease losses | $8,078,000 | 386 |
| Total noninterest income | $237,000 | 5,204 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $89,000 | 5,299 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $148,000 | 4,546 |
| Total noninterest expense | $6,744,000 | 2,131 |
| Salaries and employee benefits | $2,472,000 | 2,885 |
| Premises and equipment expense | $1,058,000 | 1,774 |
| Additional noninterest expense | $3,214,000 | 1,591 |
| Pre-tax net operating income | $-9,944,000 | 7,337 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-9,944,000 | 7,337 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-9,944,000 | 7,338 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-9,944,000 | 7,338 |
| Net charge-offs | $8,650,000 | 395 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-9,944,000 | 7,334 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,503,000 | 3,087 |
| Total interest expense | $1,309,000 | 2,392 |
| Net interest income | $3,194,000 | 3,327 |
| Provision for loan and lease losses | $7,393,000 | 303 |
| Total noninterest income | $171,000 | 5,092 |
| 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 | $117,000 | 4,328 |
| Total noninterest expense | $4,106,000 | 2,350 |
| Salaries and employee benefits | $1,637,000 | 2,919 |
| Premises and equipment expense | $709,000 | 1,784 |
| Additional noninterest expense | $1,760,000 | 1,937 |
| Pre-tax net operating income | $-8,134,000 | 7,427 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-8,134,000 | 7,427 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,134,000 | 7,427 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-8,134,000 | 7,427 |
| Net charge-offs | $4,299,000 | 529 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-8,134,000 | 7,427 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 2,968 |
| Total interest expense | $666,000 | 2,427 |
| Net interest income | $1,702,000 | 3,152 |
| Provision for loan and lease losses | $4,318,000 | 277 |
| Total noninterest income | $76,000 | 5,359 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $28,000 | 5,334 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $48,000 | 4,728 |
| Total noninterest expense | $2,083,000 | 2,326 |
| Salaries and employee benefits | $799,000 | 3,008 |
| Premises and equipment expense | $354,000 | 1,832 |
| Additional noninterest expense | $930,000 | 1,820 |
| Pre-tax net operating income | $-4,623,000 | 7,496 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-4,623,000 | 7,493 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-4,623,000 | 7,493 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-4,623,000 | 7,493 |
| Net charge-offs | $2,689,000 | 434 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-4,623,000 | 7,495 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,048,000 | 2,718 |
| Total interest expense | $3,500,000 | 2,258 |
| Net interest income | $7,548,000 | 2,877 |
| Provision for loan and lease losses | $8,614,000 | 759 |
| Total noninterest income | $354,000 | 5,146 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $114,000 | 5,314 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $240,000 | 4,310 |
| Total noninterest expense | $6,962,000 | 2,735 |
| Salaries and employee benefits | $2,897,000 | 3,210 |
| Premises and equipment expense | $1,393,000 | 1,850 |
| Additional noninterest expense | $2,672,000 | 2,523 |
| Pre-tax net operating income | $-7,674,000 | 7,265 |
| Securities gains (losses) | $801,000 | 596 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,873,000 | 7,274 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,873,000 | 7,274 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,873,000 | 7,274 |
| Net charge-offs | $7,175,000 | 776 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,178 |
| Net operating income | $-7,674,000 | 7,291 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,537,000 | 2,692 |
| Total interest expense | $2,780,000 | 2,228 |
| Net interest income | $5,757,000 | 2,868 |
| Provision for loan and lease losses | $7,170,000 | 663 |
| Total noninterest income | $246,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $85,000 | 5,397 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $161,000 | 4,543 |
| Total noninterest expense | $5,008,000 | 2,833 |
| Salaries and employee benefits | $2,103,000 | 3,318 |
| Premises and equipment expense | $1,042,000 | 1,875 |
| Additional noninterest expense | $1,863,000 | 2,649 |
| Pre-tax net operating income | $-6,175,000 | 7,427 |
| Securities gains (losses) | $801,000 | 499 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,374,000 | 7,442 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,374,000 | 7,442 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,374,000 | 7,442 |
| Net charge-offs | $5,806,000 | 699 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,097 |
| Net operating income | $-6,175,000 | 7,456 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,766,000 | 2,686 |
| Total interest expense | $1,986,000 | 2,169 |
| Net interest income | $3,780,000 | 2,904 |
| Provision for loan and lease losses | $5,844,000 | 567 |
| Total noninterest income | $129,000 | 5,734 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $63,000 | 5,279 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $66,000 | 5,236 |
| Total noninterest expense | $3,253,000 | 2,905 |
| Salaries and employee benefits | $1,315,000 | 3,503 |
| Premises and equipment expense | $686,000 | 1,899 |
| Additional noninterest expense | $1,252,000 | 2,620 |
| Pre-tax net operating income | $-5,188,000 | 7,561 |
| Securities gains (losses) | $224,000 | 885 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-4,964,000 | 7,584 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,964,000 | 7,584 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,964,000 | 7,584 |
| Net charge-offs | $4,323,000 | 635 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,035 |
| Net operating income | $-5,188,000 | 7,583 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,996,000 | 2,644 |
| Total interest expense | $1,122,000 | 2,042 |
| Net interest income | $1,874,000 | 2,955 |
| Provision for loan and lease losses | $4,119,000 | 438 |
| Total noninterest income | $32,000 | 6,672 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $32,000 | 5,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $0 | 7,418 |
| Total noninterest expense | $1,672,000 | 2,868 |
| Salaries and employee benefits | $643,000 | 3,621 |
| Premises and equipment expense | $340,000 | 1,975 |
| Additional noninterest expense | $689,000 | 2,415 |
| Pre-tax net operating income | $-3,885,000 | 7,732 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-3,885,000 | 7,753 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,885,000 | 7,754 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,885,000 | 7,754 |
| Net charge-offs | $3,158,000 | 471 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 972 |
| Net operating income | $-3,885,000 | 7,744 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,377,000 | 2,664 |
| Total interest expense | $6,291,000 | 1,851 |
| Net interest income | $6,086,000 | 3,424 |
| Provision for loan and lease losses | $4,899,000 | 1,452 |
| Total noninterest income | $-811,000 | 7,911 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $220,000 | 4,473 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,031,000 | 7,875 |
| Total noninterest expense | $7,006,000 | 2,798 |
| Salaries and employee benefits | $2,669,000 | 3,516 |
| Premises and equipment expense | $1,474,000 | 1,839 |
| Additional noninterest expense | $2,863,000 | 2,447 |
| Pre-tax net operating income | $-6,630,000 | 7,321 |
| Securities gains (losses) | $447,000 | 950 |
| Applicable income taxes | $2,435,000 | 474 |
| Income before extraordinary items | $-8,618,000 | 7,501 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,618,000 | 7,500 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,618,000 | 7,500 |
| Net charge-offs | $3,519,000 | 1,456 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 7,896 |
| Net operating income | $-9,065,000 | 7,525 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,360,000 | 2,682 |
| Total interest expense | $4,929,000 | 1,852 |
| Net interest income | $4,431,000 | 3,512 |
| Provision for loan and lease losses | $3,022,000 | 1,468 |
| Total noninterest income | $-898,000 | 8,038 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $175,000 | 4,381 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,073,000 | 8,022 |
| Total noninterest expense | $5,428,000 | 2,726 |
| Salaries and employee benefits | $2,021,000 | 3,509 |
| Premises and equipment expense | $1,121,000 | 1,826 |
| Additional noninterest expense | $2,286,000 | 2,280 |
| Pre-tax net operating income | $-4,917,000 | 7,499 |
| Securities gains (losses) | $447,000 | 760 |
| Applicable income taxes | $-1,677,000 | 7,681 |
| Income before extraordinary items | $-2,793,000 | 7,341 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,793,000 | 7,341 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,793,000 | 7,341 |
| Net charge-offs | $2,893,000 | 1,205 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 8,007 |
| Net operating income | $-3,079,080 | 7,383 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,317,000 | 2,687 |
| Total interest expense | $3,398,000 | 1,881 |
| Net interest income | $2,919,000 | 3,533 |
| Provision for loan and lease losses | $1,328,000 | 1,761 |
| Total noninterest income | $-862,000 | 8,130 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $123,000 | 4,258 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-985,000 | 8,125 |
| Total noninterest expense | $3,195,000 | 3,054 |
| Salaries and employee benefits | $1,376,000 | 3,486 |
| Premises and equipment expense | $751,000 | 1,839 |
| Additional noninterest expense | $1,068,000 | 3,129 |
| Pre-tax net operating income | $-2,466,000 | 7,493 |
| Securities gains (losses) | $192,000 | 1,038 |
| Applicable income taxes | $-853,000 | 7,712 |
| Income before extraordinary items | $-1,421,000 | 7,302 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,421,000 | 7,302 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,421,000 | 7,301 |
| Net charge-offs | $1,336,000 | 1,424 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 8,117 |
| Net operating income | $-1,543,880 | 7,345 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,138,000 | 2,736 |
| Total interest expense | $1,753,000 | 1,899 |
| Net interest income | $1,385,000 | 3,674 |
| Provision for loan and lease losses | $1,035,000 | 1,155 |
| Total noninterest income | $126,000 | 4,776 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $58,000 | 4,312 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $68,000 | 4,284 |
| Total noninterest expense | $1,513,000 | 3,123 |
| Salaries and employee benefits | $716,000 | 3,398 |
| Premises and equipment expense | $377,000 | 1,871 |
| Additional noninterest expense | $420,000 | 3,441 |
| Pre-tax net operating income | $-1,037,000 | 7,643 |
| Securities gains (losses) | $192,000 | 690 |
| Applicable income taxes | $-316,000 | 7,804 |
| Income before extraordinary items | $-529,000 | 7,472 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-529,000 | 7,472 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-529,000 | 7,473 |
| Net charge-offs | $1,109,000 | 899 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $-12,000 | 8,187 |
| Net operating income | $-651,880 | 7,542 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,489,000 | 2,740 |
| Total interest expense | $7,652,000 | 2,045 |
| Net interest income | $5,837,000 | 3,543 |
| Provision for loan and lease losses | $4,837,000 | 1,021 |
| Total noninterest income | $292,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $213,000 | 4,673 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $79,000 | 6,232 |
| Total noninterest expense | $6,419,000 | 2,891 |
| Salaries and employee benefits | $3,052,000 | 3,199 |
| Premises and equipment expense | $1,538,000 | 1,780 |
| Additional noninterest expense | $1,829,000 | 3,102 |
| Pre-tax net operating income | $-5,127,000 | 7,807 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,913,000 | 7,903 |
| Income before extraordinary items | $-3,214,000 | 7,642 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,214,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,396,000 | 766 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $1,342,000 | 384 |
| Net operating income | $-3,214,000 | 7,711 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,187,000 | 2,779 |
| Total interest expense | $5,876,000 | 2,080 |
| Net interest income | $4,311,000 | 3,613 |
| Provision for loan and lease losses | $4,102,000 | 748 |
| Total noninterest income | $189,000 | 6,218 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $164,000 | 4,659 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $25,000 | 7,272 |
| Total noninterest expense | $5,051,000 | 2,762 |
| Salaries and employee benefits | $2,482,000 | 3,008 |
| Premises and equipment expense | $1,155,000 | 1,781 |
| Additional noninterest expense | $1,414,000 | 2,931 |
| Pre-tax net operating income | $-4,653,000 | 8,112 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,737,000 | 8,159 |
| Income before extraordinary items | $-2,916,000 | 8,001 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,916,000 | 8,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,484,000 | 478 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 913 |
| Net operating income | $-2,916,000 | 8,062 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,718,000 | 2,833 |
| Total interest expense | $4,073,000 | 2,098 |
| Net interest income | $2,645,000 | 3,828 |
| Provision for loan and lease losses | $968,000 | 1,250 |
| Total noninterest income | $119,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $117,000 | 4,532 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,000 | 8,087 |
| Total noninterest expense | $3,241,000 | 2,844 |
| Salaries and employee benefits | $1,693,000 | 2,970 |
| Premises and equipment expense | $769,000 | 1,783 |
| Additional noninterest expense | $779,000 | 3,429 |
| Pre-tax net operating income | $-1,445,000 | 8,066 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-533,000 | 8,188 |
| Income before extraordinary items | $-912,000 | 7,962 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-912,000 | 7,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $858,000 | 945 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 833 |
| Net operating income | $-912,000 | 7,946 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,314,000 | 2,944 |
| Total interest expense | $2,112,000 | 2,147 |
| Net interest income | $1,202,000 | 4,101 |
| Provision for loan and lease losses | $474,000 | 1,033 |
| Total noninterest income | $85,000 | 5,752 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $58,000 | 4,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 6,042 |
| Total noninterest expense | $1,548,000 | 2,962 |
| Salaries and employee benefits | $831,000 | 3,061 |
| Premises and equipment expense | $344,000 | 1,980 |
| Additional noninterest expense | $373,000 | 3,493 |
| Pre-tax net operating income | $-735,000 | 8,214 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-271,000 | 8,300 |
| Income before extraordinary items | $-464,000 | 8,125 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-464,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,434 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 708 |
| Net operating income | $-464,000 | 8,112 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,086,000 | 2,847 |
| Total interest expense | $8,093,000 | 2,294 |
| Net interest income | $5,993,000 | 3,500 |
| Provision for loan and lease losses | $1,078,000 | 1,348 |
| Total noninterest income | $263,000 | 6,288 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $192,000 | 4,991 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $71,000 | 6,690 |
| Total noninterest expense | $4,950,000 | 3,460 |
| Salaries and employee benefits | $2,603,000 | 3,611 |
| Premises and equipment expense | $1,094,000 | 2,374 |
| Additional noninterest expense | $1,253,000 | 3,952 |
| Pre-tax net operating income | $228,000 | 6,798 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $106,000 | 4,440 |
| Income before extraordinary items | $122,000 | 7,064 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $122,000 | 7,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,878 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 944 |
| Net operating income | $122,000 | 7,037 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,497,000 | 2,866 |
| Total interest expense | $5,974,000 | 2,319 |
| Net interest income | $4,523,000 | 3,500 |
| Provision for loan and lease losses | $435,000 | 1,757 |
| Total noninterest income | $192,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $137,000 | 5,103 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $55,000 | 6,670 |
| Total noninterest expense | $3,750,000 | 3,423 |
| Salaries and employee benefits | $2,029,000 | 3,488 |
| Premises and equipment expense | $825,000 | 2,338 |
| Additional noninterest expense | $896,000 | 4,025 |
| Pre-tax net operating income | $530,000 | 5,672 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $214,000 | 3,640 |
| Income before extraordinary items | $316,000 | 6,233 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $316,000 | 6,230 |
| 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 | $78,000 | 809 |
| Net operating income | $316,000 | 6,224 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,797,000 | 2,957 |
| Total interest expense | $3,854,000 | 2,398 |
| Net interest income | $2,943,000 | 3,591 |
| Provision for loan and lease losses | $291,000 | 1,606 |
| Total noninterest income | $120,000 | 6,538 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $85,000 | 5,242 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $35,000 | 6,783 |
| Total noninterest expense | $2,457,000 | 3,487 |
| Salaries and employee benefits | $1,330,000 | 3,574 |
| Premises and equipment expense | $544,000 | 2,375 |
| Additional noninterest expense | $583,000 | 4,105 |
| Pre-tax net operating income | $315,000 | 5,935 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $129,000 | 3,835 |
| Income before extraordinary items | $186,000 | 6,487 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $186,000 | 6,488 |
| 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 | $48,000 | 748 |
| Net operating income | $186,000 | 6,479 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 3,027 |
| Total interest expense | $1,908,000 | 2,409 |
| Net interest income | $1,381,000 | 3,755 |
| Provision for loan and lease losses | $172,000 | 1,306 |
| Total noninterest income | $51,000 | 6,791 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $40,000 | 5,312 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $1,193,000 | 3,588 |
| Salaries and employee benefits | $653,000 | 3,644 |
| Premises and equipment expense | $268,000 | 2,433 |
| Additional noninterest expense | $272,000 | 4,256 |
| Pre-tax net operating income | $67,000 | 7,081 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $30,000 | 4,619 |
| 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 | $19,000 | 679 |
| Net operating income | $37,000 | 7,335 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,790,000 | 3,640 |
| Total interest expense | $4,983,000 | 3,030 |
| Net interest income | $4,807,000 | 4,127 |
| Provision for loan and lease losses | $573,000 | 1,699 |
| Total noninterest income | $220,000 | 6,752 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $146,000 | 5,576 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $74,000 | 6,786 |
| Total noninterest expense | $4,633,000 | 3,553 |
| Salaries and employee benefits | $2,679,000 | 3,442 |
| Premises and equipment expense | $986,000 | 2,505 |
| Additional noninterest expense | $968,000 | 4,616 |
| Pre-tax net operating income | $-179,000 | 8,102 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-52,000 | 8,297 |
| Income before extraordinary items | $-127,000 | 8,099 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-127,000 | 8,100 |
| 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 | $9,092,000 | 230 |
| Net operating income | $-127,000 | 8,088 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,925,000 | 3,770 |
| Total interest expense | $3,483,000 | 3,124 |
| Net interest income | $3,442,000 | 4,302 |
| Provision for loan and lease losses | $397,000 | 1,717 |
| Total noninterest income | $164,000 | 6,812 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $103,000 | 5,740 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,658 |
| Total noninterest expense | $3,432,000 | 3,591 |
| Salaries and employee benefits | $1,993,000 | 3,458 |
| Premises and equipment expense | $707,000 | 2,615 |
| Additional noninterest expense | $732,000 | 4,563 |
| Pre-tax net operating income | $-223,000 | 8,314 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-74,000 | 8,535 |
| Income before extraordinary items | $-149,000 | 8,285 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-149,000 | 8,286 |
| 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 | $9,043,000 | 170 |
| Net operating income | $-149,000 | 8,277 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,250,000 | 3,952 |
| Total interest expense | $2,068,000 | 3,287 |
| Net interest income | $2,182,000 | 4,473 |
| Provision for loan and lease losses | $295,000 | 1,552 |
| Total noninterest income | $100,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 5,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 6,958 |
| Total noninterest expense | $2,261,000 | 3,628 |
| Salaries and employee benefits | $1,291,000 | 3,547 |
| Premises and equipment expense | $467,000 | 2,628 |
| Additional noninterest expense | $503,000 | 4,474 |
| Pre-tax net operating income | $-274,000 | 8,457 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-97,000 | 8,631 |
| Income before extraordinary items | $-177,000 | 8,409 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-177,000 | 8,410 |
| 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 | $69,000 | 594 |
| Net operating income | $-177,000 | 8,407 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,963,000 | 4,140 |
| Total interest expense | $898,000 | 3,549 |
| Net interest income | $1,065,000 | 4,521 |
| Provision for loan and lease losses | $149,000 | 1,516 |
| Total noninterest income | $48,000 | 7,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $1,106,000 | 3,707 |
| Salaries and employee benefits | $625,000 | 3,643 |
| Premises and equipment expense | $228,000 | 2,684 |
| Additional noninterest expense | $253,000 | 4,436 |
| Pre-tax net operating income | $-142,000 | 8,494 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-50,000 | 8,649 |
| Income before extraordinary items | $-92,000 | 8,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-92,000 | 8,444 |
| 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 | $35,000 | 445 |
| Net operating income | $-92,000 | 8,432 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,982,000 | 4,613 |
| Total interest expense | $2,440,000 | 3,890 |
| Net interest income | $3,542,000 | 4,983 |
| Provision for loan and lease losses | $442,000 | 2,101 |
| Total noninterest income | $84,000 | 8,099 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $58,000 | 6,954 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $26,000 | 7,968 |
| Total noninterest expense | $3,176,000 | 4,587 |
| Salaries and employee benefits | $1,918,000 | 4,255 |
| Premises and equipment expense | $542,000 | 3,947 |
| Additional noninterest expense | $716,000 | 5,518 |
| Pre-tax net operating income | $8,000 | 8,220 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $10,000 | 6,543 |
| Income before extraordinary items | $0 | 8,280 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $0 | 8,281 |
| 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 | $5,000 | 908 |
| Net operating income | $-1,280 | 8,258 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,217,000 | 4,756 |
| Total interest expense | $1,674,000 | 3,985 |
| Net interest income | $2,543,000 | 5,125 |
| Provision for loan and lease losses | $371,000 | 1,827 |
| Total noninterest income | $48,000 | 8,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 7,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,975 |
| Total noninterest expense | $2,250,000 | 4,734 |
| Salaries and employee benefits | $1,370,000 | 4,395 |
| Premises and equipment expense | $379,000 | 4,134 |
| Additional noninterest expense | $501,000 | 5,691 |
| Pre-tax net operating income | $-30,000 | 8,370 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $-7,000 | 8,590 |
| Income before extraordinary items | $-21,000 | 8,377 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-21,000 | 8,378 |
| 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 | $5,000 | 747 |
| Net operating income | $-22,500 | 8,353 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 4,954 |
| Total interest expense | $1,000,000 | 4,134 |
| Net interest income | $1,584,000 | 5,321 |
| Provision for loan and lease losses | $340,000 | 1,371 |
| Total noninterest income | $26,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $12,000 | 7,482 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,000 | 7,946 |
| Total noninterest expense | $1,384,000 | 5,014 |
| Salaries and employee benefits | $846,000 | 4,636 |
| Premises and equipment expense | $224,000 | 4,445 |
| Additional noninterest expense | $314,000 | 5,873 |
| Pre-tax net operating income | $-114,000 | 8,502 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $-40,000 | 8,701 |
| Income before extraordinary items | $-72,000 | 8,489 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-72,000 | 8,489 |
| 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 | $5,000 | 614 |
| Net operating income | $-73,280 | 8,463 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 5,289 |
| Total interest expense | $445,000 | 4,363 |
| Net interest income | $711,000 | 5,688 |
| Provision for loan and lease losses | $191,000 | 1,168 |
| Total noninterest income | $8,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $660,000 | 5,202 |
| Salaries and employee benefits | $400,000 | 4,838 |
| Premises and equipment expense | $104,000 | 4,732 |
| Additional noninterest expense | $156,000 | 5,872 |
| Pre-tax net operating income | $-132,000 | 8,679 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $-48,000 | 8,795 |
| Income before extraordinary items | $-82,000 | 8,641 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-82,000 | 8,641 |
| 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 | $5,000 | 460 |
| Net operating income | $-83,280 | 8,621 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 6,826 |
| Total interest expense | $962,000 | 5,780 |
| Net interest income | $1,613,000 | 7,160 |
| Provision for loan and lease losses | $441,000 | 2,182 |
| Total noninterest income | $30,000 | 8,720 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $17,000 | 7,698 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,436 |
| Total noninterest expense | $1,578,000 | 6,754 |
| Salaries and employee benefits | $946,000 | 6,458 |
| Premises and equipment expense | $247,000 | 6,217 |
| Additional noninterest expense | $385,000 | 7,209 |
| Pre-tax net operating income | $-376,000 | 8,603 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-140,000 | 8,776 |
| Income before extraordinary items | $-236,000 | 8,601 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-236,000 | 8,602 |
| 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 | $7,387,000 | 165 |
| Net operating income | $-236,000 | 8,566 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 7,283 |
| Total interest expense | $596,000 | 6,271 |
| Net interest income | $991,000 | 7,594 |
| Provision for loan and lease losses | $275,000 | 2,404 |
| Total noninterest income | $22,000 | 8,783 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $13,000 | 7,737 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 8,509 |
| Total noninterest expense | $1,058,000 | 7,019 |
| Salaries and employee benefits | $627,000 | 6,794 |
| Premises and equipment expense | $166,000 | 6,493 |
| Additional noninterest expense | $265,000 | 7,374 |
| Pre-tax net operating income | $-320,000 | 8,703 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-119,000 | 8,866 |
| Income before extraordinary items | $-201,000 | 8,678 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-201,000 | 8,680 |
| 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 | $7,415,000 | 123 |
| Net operating income | $-201,000 | 8,651 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $833,000 | 7,808 |
| Total interest expense | $293,000 | 7,022 |
| Net interest income | $540,000 | 7,993 |
| Provision for loan and lease losses | $192,000 | 2,280 |
| Total noninterest income | $12,000 | 8,878 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $8,000 | 7,803 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,694 |
| Total noninterest expense | $679,000 | 7,175 |
| Salaries and employee benefits | $386,000 | 7,028 |
| Premises and equipment expense | $107,000 | 6,627 |
| Additional noninterest expense | $186,000 | 7,303 |
| Pre-tax net operating income | $-319,000 | 8,826 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-119,000 | 8,952 |
| Income before extraordinary items | $-200,000 | 8,799 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-200,000 | 8,800 |
| 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 | $0 | 638 |
| Net operating income | $-200,000 | 8,773 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $351,000 | 8,128 |
| Total interest expense | $111,000 | 7,671 |
| Net interest income | $240,000 | 8,198 |
| Provision for loan and lease losses | $104,000 | 2,079 |
| Total noninterest income | $5,000 | 8,935 |
| 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 | $2,000 | 8,709 |
| Total noninterest expense | $322,000 | 7,337 |
| Salaries and employee benefits | $193,000 | 7,083 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $77,000 | 7,712 |
| Pre-tax net operating income | $-181,000 | 8,893 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-68,000 | 9,001 |
| Income before extraordinary items | $-113,000 | 8,862 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-113,000 | 8,863 |
| 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 | $-113,000 | 8,828 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $269,000 | 9,048 |
| Total interest expense | $94,000 | 8,967 |
| Net interest income | $175,000 | 9,058 |
| Provision for loan and lease losses | $177,000 | 4,297 |
| Total noninterest income | $3,000 | 9,104 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,000 | 8,983 |
| Total noninterest expense | $1,028,000 | 7,818 |
| Salaries and employee benefits | $545,000 | 7,916 |
| Premises and equipment expense | $116,000 | 7,857 |
| Additional noninterest expense | $367,000 | 7,345 |
| Pre-tax net operating income | $-1,027,000 | 8,980 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-386,000 | 9,074 |
| Income before extraordinary items | $-641,000 | 8,948 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-641,000 | 8,947 |
| 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 | $7,694,000 | 136 |
| Net operating income | $-641,000 | 8,898 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $67,000 | 9,185 |
| Total interest expense | $22,000 | 9,143 |
| Net interest income | $45,000 | 9,186 |
| Provision for loan and lease losses | $66,000 | 5,405 |
| Total noninterest income | $1,000 | 9,175 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 9,071 |
| Total noninterest expense | $703,000 | 8,010 |
| Salaries and employee benefits | $351,000 | 8,191 |
| Premises and equipment expense | $74,000 | 8,103 |
| Additional noninterest expense | $278,000 | 7,329 |
| Pre-tax net operating income | $-723,000 | 9,023 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-272,000 | 9,141 |
| Income before extraordinary items | $-451,000 | 9,011 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-451,000 | 9,010 |
| 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 | $7,694,000 | 91 |
| Net operating income | $-451,000 | 8,952 |
* 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.