Home > PATRIOTS BANK > Income and Expense
PATRIOTS BANK, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $672,000 | 5,528 |
| Total interest expense | $52,000 | 6,098 |
| Net interest income | $620,000 | 5,405 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $106,000 | 4,751 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $28,000 | 5,093 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $78,000 | 4,129 |
| Total noninterest expense | $780,000 | 4,599 |
| Salaries and employee benefits | $393,000 | 4,728 |
| Premises and equipment expense | $105,000 | 4,201 |
| Additional noninterest expense | $282,000 | 4,360 |
| Pre-tax net operating income | $-54,000 | 6,546 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-54,000 | 6,601 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-54,000 | 6,602 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-54,000 | 6,602 |
| Net charge-offs | $37,000 | 2,639 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-54,000 | 6,556 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 5,425 |
| Total interest expense | $298,000 | 5,982 |
| Net interest income | $2,793,000 | 5,265 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $-254,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $124,000 | 5,098 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-378,000 | 6,894 |
| Total noninterest expense | $3,317,000 | 4,503 |
| Salaries and employee benefits | $1,762,000 | 4,447 |
| Premises and equipment expense | $522,000 | 3,713 |
| Additional noninterest expense | $1,033,000 | 4,727 |
| Pre-tax net operating income | $-898,000 | 6,639 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-898,000 | 6,702 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-898,000 | 6,697 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-898,000 | 6,698 |
| Net charge-offs | $265,000 | 3,454 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-898,000 | 6,659 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,369,000 | 5,473 |
| Total interest expense | $234,000 | 6,054 |
| Net interest income | $2,135,000 | 5,294 |
| Provision for loan and lease losses | $90,000 | 4,446 |
| Total noninterest income | $216,000 | 5,320 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $91,000 | 5,210 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $125,000 | 4,841 |
| Total noninterest expense | $2,519,000 | 4,489 |
| Salaries and employee benefits | $1,337,000 | 4,441 |
| Premises and equipment expense | $402,000 | 3,693 |
| Additional noninterest expense | $780,000 | 4,731 |
| Pre-tax net operating income | $-258,000 | 6,564 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-258,000 | 6,658 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-258,000 | 6,656 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-258,000 | 6,656 |
| Net charge-offs | $269,000 | 2,971 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-258,000 | 6,581 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,603,000 | 5,492 |
| Total interest expense | $168,000 | 6,041 |
| Net interest income | $1,435,000 | 5,306 |
| Provision for loan and lease losses | $60,000 | 4,338 |
| Total noninterest income | $-317,000 | 7,172 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $60,000 | 5,240 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-377,000 | 7,146 |
| Total noninterest expense | $1,718,000 | 4,478 |
| Salaries and employee benefits | $928,000 | 4,359 |
| Premises and equipment expense | $269,000 | 3,683 |
| Additional noninterest expense | $521,000 | 4,753 |
| Pre-tax net operating income | $-660,000 | 6,879 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-660,000 | 6,921 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-660,000 | 6,920 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-660,000 | 6,921 |
| Net charge-offs | $144,000 | 3,084 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-660,000 | 6,894 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $810,000 | 5,521 |
| Total interest expense | $88,000 | 6,077 |
| Net interest income | $722,000 | 5,329 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $158,000 | 4,112 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $30,000 | 5,232 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $128,000 | 3,301 |
| Total noninterest expense | $860,000 | 4,495 |
| Salaries and employee benefits | $456,000 | 4,432 |
| Premises and equipment expense | $136,000 | 3,691 |
| Additional noninterest expense | $268,000 | 4,678 |
| Pre-tax net operating income | $-10,000 | 6,488 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-10,000 | 6,578 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-10,000 | 6,578 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-10,000 | 6,578 |
| Net charge-offs | $47,000 | 3,063 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-10,000 | 6,478 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,661,000 | 5,341 |
| Total interest expense | $488,000 | 5,900 |
| Net interest income | $3,173,000 | 5,130 |
| Provision for loan and lease losses | $325,000 | 4,009 |
| Total noninterest income | $-563,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $147,000 | 4,925 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-710,000 | 7,149 |
| Total noninterest expense | $11,289,000 | 1,716 |
| Salaries and employee benefits | $1,773,000 | 4,505 |
| Premises and equipment expense | $566,000 | 3,726 |
| Additional noninterest expense | $8,950,000 | 804 |
| Pre-tax net operating income | $-9,004,000 | 7,190 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-9,004,000 | 7,196 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-9,004,000 | 7,196 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-9,004,000 | 7,196 |
| Net charge-offs | $340,000 | 3,652 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-9,004,000 | 7,186 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 5,357 |
| Total interest expense | $388,000 | 5,899 |
| Net interest income | $2,405,000 | 5,143 |
| Provision for loan and lease losses | $275,000 | 3,725 |
| Total noninterest income | $426,000 | 4,193 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $114,000 | 4,890 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $312,000 | 3,410 |
| Total noninterest expense | $10,441,000 | 1,408 |
| Salaries and employee benefits | $1,339,000 | 4,473 |
| Premises and equipment expense | $439,000 | 3,689 |
| Additional noninterest expense | $8,663,000 | 626 |
| Pre-tax net operating income | $-7,885,000 | 7,304 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-7,885,000 | 7,318 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,885,000 | 7,318 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-7,885,000 | 7,318 |
| Net charge-offs | $309,000 | 3,220 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-7,885,000 | 7,306 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,883,000 | 5,392 |
| Total interest expense | $282,000 | 5,854 |
| Net interest income | $1,601,000 | 5,179 |
| Provision for loan and lease losses | $175,000 | 3,727 |
| Total noninterest income | $284,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $75,000 | 4,908 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $209,000 | 3,424 |
| Total noninterest expense | $1,818,000 | 4,429 |
| Salaries and employee benefits | $899,000 | 4,484 |
| Premises and equipment expense | $295,000 | 3,684 |
| Additional noninterest expense | $624,000 | 4,423 |
| Pre-tax net operating income | $-108,000 | 6,437 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-108,000 | 6,516 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-108,000 | 6,516 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-108,000 | 6,516 |
| Net charge-offs | $256,000 | 2,860 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-108,000 | 6,478 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 5,430 |
| Total interest expense | $154,000 | 5,793 |
| Net interest income | $780,000 | 5,237 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $159,000 | 4,044 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $36,000 | 4,928 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $123,000 | 3,225 |
| Total noninterest expense | $937,000 | 4,375 |
| Salaries and employee benefits | $463,000 | 4,437 |
| Premises and equipment expense | $154,000 | 3,623 |
| Additional noninterest expense | $320,000 | 4,353 |
| Pre-tax net operating income | $2,000 | 6,305 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $2,000 | 6,355 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,000 | 6,355 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,000 | 6,355 |
| Net charge-offs | $-35,000 | 7,308 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $2,000 | 6,321 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,250,000 | 5,260 |
| Total interest expense | $833,000 | 5,633 |
| Net interest income | $3,417,000 | 5,009 |
| Provision for loan and lease losses | $2,402,000 | 1,845 |
| Total noninterest income | $249,000 | 5,675 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $185,000 | 4,561 |
| Trading account gains and fees | $-47,000 | 7,608 |
| Additional Noninterest Income | $111,000 | 5,323 |
| Total noninterest expense | $4,063,000 | 4,170 |
| Salaries and employee benefits | $2,067,000 | 4,138 |
| Premises and equipment expense | $634,000 | 3,572 |
| Additional noninterest expense | $1,362,000 | 4,264 |
| Pre-tax net operating income | $-2,799,000 | 6,892 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-2,799,000 | 6,971 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,799,000 | 6,971 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,799,000 | 6,972 |
| Net charge-offs | $3,064,000 | 1,454 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-2,799,000 | 6,949 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,262,000 | 5,285 |
| Total interest expense | $646,000 | 5,716 |
| Net interest income | $2,616,000 | 5,025 |
| Provision for loan and lease losses | $1,920,000 | 1,702 |
| Total noninterest income | $338,000 | 4,829 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $143,000 | 4,574 |
| Trading account gains and fees | $-44,000 | 7,713 |
| Additional Noninterest Income | $239,000 | 3,902 |
| Total noninterest expense | $3,031,000 | 4,201 |
| Salaries and employee benefits | $1,556,000 | 4,155 |
| Premises and equipment expense | $477,000 | 3,614 |
| Additional noninterest expense | $998,000 | 4,307 |
| Pre-tax net operating income | $-1,997,000 | 7,060 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,997,000 | 7,132 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,997,000 | 7,130 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,997,000 | 7,132 |
| Net charge-offs | $2,262,000 | 1,394 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,997,000 | 7,107 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 5,294 |
| Total interest expense | $440,000 | 5,761 |
| Net interest income | $1,757,000 | 5,015 |
| Provision for loan and lease losses | $1,920,000 | 1,313 |
| Total noninterest income | $176,000 | 5,234 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $97,000 | 4,543 |
| Trading account gains and fees | $-35,000 | 7,776 |
| Additional Noninterest Income | $114,000 | 4,418 |
| Total noninterest expense | $2,049,000 | 4,171 |
| Salaries and employee benefits | $1,049,000 | 4,156 |
| Premises and equipment expense | $317,000 | 3,656 |
| Additional noninterest expense | $683,000 | 4,235 |
| Pre-tax net operating income | $-2,036,000 | 7,279 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,036,000 | 7,339 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,036,000 | 7,339 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,036,000 | 7,339 |
| Net charge-offs | $2,288,000 | 1,028 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,036,000 | 7,332 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,079,000 | 5,403 |
| Total interest expense | $228,000 | 5,815 |
| Net interest income | $851,000 | 5,136 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $146,000 | 4,335 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $46,000 | 4,630 |
| Trading account gains and fees | $-17,000 | 7,894 |
| Additional Noninterest Income | $117,000 | 3,232 |
| Total noninterest expense | $932,000 | 4,482 |
| Salaries and employee benefits | $513,000 | 4,275 |
| Premises and equipment expense | $168,000 | 3,571 |
| Additional noninterest expense | $251,000 | 5,105 |
| Pre-tax net operating income | $-235,000 | 6,888 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-235,000 | 6,989 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-235,000 | 6,990 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-235,000 | 6,989 |
| Net charge-offs | $87,000 | 3,229 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-235,000 | 6,948 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,155,000 | 5,047 |
| Total interest expense | $1,291,000 | 5,500 |
| Net interest income | $3,864,000 | 4,657 |
| Provision for loan and lease losses | $1,400,000 | 2,990 |
| Total noninterest income | $360,000 | 5,309 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $216,000 | 4,504 |
| Trading account gains and fees | $-180,000 | 7,977 |
| Additional Noninterest Income | $324,000 | 3,872 |
| Total noninterest expense | $4,209,000 | 4,204 |
| Salaries and employee benefits | $2,206,000 | 4,060 |
| Premises and equipment expense | $657,000 | 3,628 |
| Additional noninterest expense | $1,346,000 | 4,395 |
| Pre-tax net operating income | $-1,385,000 | 6,407 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,385,000 | 6,526 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,385,000 | 6,526 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,385,000 | 6,526 |
| Net charge-offs | $1,680,000 | 2,245 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,385,000 | 6,528 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 5,051 |
| Total interest expense | $1,029,000 | 5,489 |
| Net interest income | $2,919,000 | 4,665 |
| Provision for loan and lease losses | $500,000 | 3,787 |
| Total noninterest income | $341,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $163,000 | 4,517 |
| Trading account gains and fees | $-159,000 | 8,073 |
| Additional Noninterest Income | $337,000 | 3,447 |
| Total noninterest expense | $3,192,000 | 4,175 |
| Salaries and employee benefits | $1,684,000 | 4,036 |
| Premises and equipment expense | $485,000 | 3,703 |
| Additional noninterest expense | $1,023,000 | 4,311 |
| Pre-tax net operating income | $-432,000 | 6,265 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-432,000 | 6,364 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-432,000 | 6,365 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-432,000 | 6,364 |
| Net charge-offs | $586,000 | 2,828 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-432,000 | 6,358 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 5,105 |
| Total interest expense | $710,000 | 5,539 |
| Net interest income | $1,913,000 | 4,711 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $179,000 | 5,407 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $106,000 | 4,546 |
| Trading account gains and fees | $-107,000 | 8,163 |
| Additional Noninterest Income | $180,000 | 3,813 |
| Total noninterest expense | $2,130,000 | 4,209 |
| Salaries and employee benefits | $1,127,000 | 4,054 |
| Premises and equipment expense | $318,000 | 3,768 |
| Additional noninterest expense | $685,000 | 4,325 |
| Pre-tax net operating income | $-38,000 | 5,927 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-38,000 | 6,034 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-38,000 | 6,034 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-38,000 | 6,034 |
| Net charge-offs | $426,000 | 2,532 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-38,000 | 5,978 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,331,000 | 5,089 |
| Total interest expense | $362,000 | 5,598 |
| Net interest income | $969,000 | 4,663 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $62,000 | 6,059 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $53,000 | 4,479 |
| Trading account gains and fees | $-62,000 | 8,198 |
| Additional Noninterest Income | $71,000 | 4,212 |
| Total noninterest expense | $1,023,000 | 4,245 |
| Salaries and employee benefits | $562,000 | 4,096 |
| Premises and equipment expense | $164,000 | 3,727 |
| Additional noninterest expense | $297,000 | 4,442 |
| Pre-tax net operating income | $8,000 | 6,152 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $8,000 | 6,305 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $8,000 | 6,307 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $8,000 | 6,307 |
| Net charge-offs | $247,000 | 1,969 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $8,000 | 6,157 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,934,000 | 4,969 |
| Total interest expense | $1,839,000 | 5,512 |
| Net interest income | $4,095,000 | 4,516 |
| Provision for loan and lease losses | $1,518,000 | 2,143 |
| Total noninterest income | $177,000 | 6,656 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $291,000 | 4,070 |
| Trading account gains and fees | $77,000 | 112 |
| Additional Noninterest Income | $-191,000 | 8,162 |
| Total noninterest expense | $4,731,000 | 3,728 |
| Salaries and employee benefits | $2,603,000 | 3,660 |
| Premises and equipment expense | $691,000 | 3,545 |
| Additional noninterest expense | $1,437,000 | 3,738 |
| Pre-tax net operating income | $-1,977,000 | 7,350 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-342,000 | 7,362 |
| Income before extraordinary items | $-1,635,000 | 7,248 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,635,000 | 7,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $708,000 | 2,348 |
| Cash dividends | $300,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,635,000 | 7,354 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,605,000 | 4,947 |
| Total interest expense | $1,444,000 | 5,531 |
| Net interest income | $3,161,000 | 4,456 |
| Provision for loan and lease losses | $1,318,000 | 1,554 |
| Total noninterest income | $219,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $229,000 | 4,012 |
| Trading account gains and fees | $-24,000 | 8,283 |
| Additional Noninterest Income | $14,000 | 7,645 |
| Total noninterest expense | $3,453,000 | 3,806 |
| Salaries and employee benefits | $1,986,000 | 3,636 |
| Premises and equipment expense | $524,000 | 3,528 |
| Additional noninterest expense | $943,000 | 4,053 |
| Pre-tax net operating income | $-1,391,000 | 7,703 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-324,000 | 7,764 |
| Income before extraordinary items | $-1,067,000 | 7,540 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,067,000 | 7,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 2,022 |
| Cash dividends | $300,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,067,000 | 7,651 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,187,000 | 4,898 |
| Total interest expense | $993,000 | 5,597 |
| Net interest income | $2,194,000 | 4,321 |
| Provision for loan and lease losses | $822,000 | 1,389 |
| Total noninterest income | $166,000 | 5,806 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $151,000 | 4,042 |
| Trading account gains and fees | $17,000 | 120 |
| Additional Noninterest Income | $-2,000 | 8,307 |
| Total noninterest expense | $2,364,000 | 3,747 |
| Salaries and employee benefits | $1,381,000 | 3,549 |
| Premises and equipment expense | $346,000 | 3,580 |
| Additional noninterest expense | $637,000 | 3,990 |
| Pre-tax net operating income | $-826,000 | 7,811 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-190,000 | 7,971 |
| Income before extraordinary items | $-636,000 | 7,796 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-636,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,825 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-636,000 | 7,774 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 4,882 |
| Total interest expense | $507,000 | 5,720 |
| Net interest income | $1,146,000 | 4,220 |
| Provision for loan and lease losses | $392,000 | 1,172 |
| Total noninterest income | $252,000 | 3,495 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $72,000 | 4,098 |
| Trading account gains and fees | $145,000 | 93 |
| Additional Noninterest Income | $35,000 | 5,679 |
| Total noninterest expense | $1,167,000 | 3,775 |
| Salaries and employee benefits | $693,000 | 3,572 |
| Premises and equipment expense | $179,000 | 3,515 |
| Additional noninterest expense | $295,000 | 4,173 |
| Pre-tax net operating income | $-161,000 | 7,683 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-53,000 | 8,038 |
| Income before extraordinary items | $-108,000 | 7,675 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-108,000 | 7,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,501 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-108,000 | 7,635 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,517,000 | 5,460 |
| Total interest expense | $1,896,000 | 5,939 |
| Net interest income | $3,621,000 | 4,928 |
| Provision for loan and lease losses | $283,000 | 3,306 |
| Total noninterest income | $1,017,000 | 3,504 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $261,000 | 4,374 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $756,000 | 2,638 |
| Total noninterest expense | $3,521,000 | 4,494 |
| Salaries and employee benefits | $2,013,000 | 4,368 |
| Premises and equipment expense | $515,000 | 4,267 |
| Additional noninterest expense | $993,000 | 4,691 |
| Pre-tax net operating income | $834,000 | 5,099 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $274,000 | 3,490 |
| Income before extraordinary items | $560,000 | 5,483 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $560,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,837 |
| Cash dividends | $150,000 | 5,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $560,000 | 5,465 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 6,323 |
| Total interest expense | $1,206,000 | 6,320 |
| Net interest income | $1,707,000 | 6,239 |
| Provision for loan and lease losses | $147,000 | 3,521 |
| Total noninterest income | $222,000 | 6,107 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $76,000 | 6,039 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $146,000 | 5,142 |
| Total noninterest expense | $1,553,000 | 6,117 |
| Salaries and employee benefits | $963,000 | 5,757 |
| Premises and equipment expense | $238,000 | 5,633 |
| Additional noninterest expense | $352,000 | 6,714 |
| Pre-tax net operating income | $229,000 | 6,846 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $53,000 | 4,907 |
| Income before extraordinary items | $176,000 | 6,931 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $176,000 | 6,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,232 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $176,000 | 6,914 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,902,000 | 6,408 |
| Total interest expense | $815,000 | 6,318 |
| Net interest income | $1,087,000 | 6,404 |
| Provision for loan and lease losses | $68,000 | 3,874 |
| Total noninterest income | $134,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $48,000 | 6,141 |
| Trading account gains and fees | $31,000 | 136 |
| Additional Noninterest Income | $55,000 | 6,129 |
| Total noninterest expense | $1,000,000 | 6,255 |
| Salaries and employee benefits | $618,000 | 5,914 |
| Premises and equipment expense | $155,000 | 5,723 |
| Additional noninterest expense | $227,000 | 6,819 |
| Pre-tax net operating income | $153,000 | 6,946 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $25,000 | 5,215 |
| Income before extraordinary items | $128,000 | 6,915 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $128,000 | 6,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,346 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $128,000 | 6,897 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $930,000 | 6,470 |
| Total interest expense | $409,000 | 6,328 |
| Net interest income | $521,000 | 6,516 |
| Provision for loan and lease losses | $19,000 | 4,447 |
| Total noninterest income | $91,000 | 5,737 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $71,000 | 4,430 |
| Total noninterest expense | $498,000 | 6,300 |
| Salaries and employee benefits | $304,000 | 6,001 |
| Premises and equipment expense | $79,000 | 5,713 |
| Additional noninterest expense | $115,000 | 6,805 |
| Pre-tax net operating income | $95,000 | 6,727 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $94,000 | 6,482 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $94,000 | 6,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $94,000 | 6,470 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 6,538 |
| Total interest expense | $1,333,000 | 6,359 |
| Net interest income | $2,002,000 | 6,556 |
| Provision for loan and lease losses | $86,000 | 4,944 |
| Total noninterest income | $129,000 | 7,481 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $88,000 | 6,312 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 7,461 |
| Total noninterest expense | $1,856,000 | 6,352 |
| Salaries and employee benefits | $1,106,000 | 6,139 |
| Premises and equipment expense | $309,000 | 5,672 |
| Additional noninterest expense | $441,000 | 6,847 |
| Pre-tax net operating income | $189,000 | 7,442 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $20,000 | 5,921 |
| Income before extraordinary items | $169,000 | 7,403 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $169,000 | 7,405 |
| 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 | $0 | 1,251 |
| Net operating income | $169,000 | 7,397 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,400,000 | 6,656 |
| Total interest expense | $919,000 | 6,520 |
| Net interest income | $1,481,000 | 6,650 |
| Provision for loan and lease losses | $68,000 | 4,698 |
| Total noninterest income | $92,000 | 7,621 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $64,000 | 6,430 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,587 |
| Total noninterest expense | $1,346,000 | 6,453 |
| Salaries and employee benefits | $788,000 | 6,273 |
| Premises and equipment expense | $235,000 | 5,659 |
| Additional noninterest expense | $323,000 | 6,935 |
| Pre-tax net operating income | $159,000 | 7,587 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $44,000 | 5,517 |
| Income before extraordinary items | $115,000 | 7,650 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $115,000 | 7,652 |
| 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 | $0 | 1,045 |
| Net operating income | $115,000 | 7,648 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,507,000 | 6,804 |
| Total interest expense | $532,000 | 6,726 |
| Net interest income | $975,000 | 6,720 |
| Provision for loan and lease losses | $36,000 | 4,837 |
| Total noninterest income | $55,000 | 7,771 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,503 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 7,856 |
| Total noninterest expense | $888,000 | 6,511 |
| Salaries and employee benefits | $516,000 | 6,350 |
| Premises and equipment expense | $154,000 | 5,708 |
| Additional noninterest expense | $218,000 | 6,928 |
| Pre-tax net operating income | $106,000 | 7,656 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $30,000 | 5,570 |
| Income before extraordinary items | $76,000 | 7,713 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $76,000 | 7,714 |
| 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 | $76,000 | 7,716 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $696,000 | 6,966 |
| Total interest expense | $239,000 | 6,868 |
| Net interest income | $457,000 | 6,909 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $25,000 | 7,837 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $431,000 | 6,588 |
| Salaries and employee benefits | $254,000 | 6,414 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $99,000 | 7,106 |
| Pre-tax net operating income | $48,000 | 7,720 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $14,000 | 5,578 |
| Income before extraordinary items | $34,000 | 7,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $34,000 | 7,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $34,000 | 7,775 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,310,000 | 7,167 |
| Total interest expense | $574,000 | 7,394 |
| Net interest income | $1,736,000 | 6,982 |
| Provision for loan and lease losses | $63,000 | 5,408 |
| Total noninterest income | $77,000 | 8,170 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $61,000 | 6,908 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $16,000 | 8,235 |
| Total noninterest expense | $1,611,000 | 6,705 |
| Salaries and employee benefits | $919,000 | 6,577 |
| Premises and equipment expense | $265,000 | 6,057 |
| Additional noninterest expense | $427,000 | 6,948 |
| Pre-tax net operating income | $139,000 | 7,872 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $-30,000 | 8,524 |
| Income before extraordinary items | $170,000 | 7,711 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $170,000 | 7,713 |
| 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 | $0 | 934 |
| Net operating income | $169,000 | 7,680 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,635,000 | 7,291 |
| Total interest expense | $377,000 | 7,566 |
| Net interest income | $1,258,000 | 7,090 |
| Provision for loan and lease losses | $51,000 | 5,162 |
| Total noninterest income | $54,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $43,000 | 7,015 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $1,148,000 | 6,837 |
| Salaries and employee benefits | $628,000 | 6,800 |
| Premises and equipment expense | $212,000 | 5,899 |
| Additional noninterest expense | $308,000 | 7,039 |
| Pre-tax net operating income | $113,000 | 7,965 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $20,000 | 6,293 |
| Income before extraordinary items | $94,000 | 7,999 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $94,000 | 7,999 |
| 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 | $0 | 769 |
| Net operating income | $93,180 | 7,971 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $985,000 | 7,480 |
| Total interest expense | $219,000 | 7,715 |
| Net interest income | $766,000 | 7,298 |
| Provision for loan and lease losses | $24,000 | 5,514 |
| Total noninterest income | $31,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $25,000 | 7,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,000 | 8,403 |
| Total noninterest expense | $744,000 | 6,925 |
| Salaries and employee benefits | $405,000 | 6,883 |
| Premises and equipment expense | $140,000 | 5,912 |
| Additional noninterest expense | $199,000 | 7,095 |
| Pre-tax net operating income | $29,000 | 8,238 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $8,000 | 6,480 |
| Income before extraordinary items | $22,000 | 8,272 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $22,000 | 8,271 |
| 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 | $21,270 | 8,248 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $483,000 | 7,564 |
| Total interest expense | $109,000 | 7,723 |
| Net interest income | $374,000 | 7,405 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $13,000 | 8,505 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $313,000 | 7,355 |
| Salaries and employee benefits | $163,000 | 7,473 |
| Premises and equipment expense | $60,000 | 6,332 |
| Additional noninterest expense | $90,000 | 7,360 |
| Pre-tax net operating income | $62,000 | 7,747 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $11,000 | 6,040 |
| Income before extraordinary items | $61,000 | 7,571 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $61,000 | 7,570 |
| 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 | $60,170 | 7,561 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,146,000 | 8,266 |
| Total interest expense | $191,000 | 8,496 |
| Net interest income | $955,000 | 8,088 |
| Provision for loan and lease losses | $213,000 | 3,588 |
| Total noninterest income | $37,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $27,000 | 7,586 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,525 |
| Total noninterest expense | $1,048,000 | 7,720 |
| Salaries and employee benefits | $540,000 | 7,868 |
| Premises and equipment expense | $225,000 | 6,455 |
| Additional noninterest expense | $283,000 | 7,795 |
| Pre-tax net operating income | $-269,000 | 8,564 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $-101,000 | 8,733 |
| Income before extraordinary items | $-172,000 | 8,561 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-172,000 | 8,563 |
| 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 | $0 | 872 |
| Net operating income | $-169,440 | 8,534 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $780,000 | 8,412 |
| Total interest expense | $110,000 | 8,674 |
| Net interest income | $670,000 | 8,221 |
| Provision for loan and lease losses | $201,000 | 2,975 |
| Total noninterest income | $20,000 | 8,805 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $16,000 | 7,693 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,732 |
| Total noninterest expense | $744,000 | 7,805 |
| Salaries and employee benefits | $380,000 | 7,935 |
| Premises and equipment expense | $176,000 | 6,340 |
| Additional noninterest expense | $188,000 | 7,989 |
| Pre-tax net operating income | $-255,000 | 8,673 |
| Securities gains (losses) | $-6,000 | 8,396 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-261,000 | 8,720 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-261,000 | 8,722 |
| 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 | $0 | 738 |
| Net operating income | $-255,000 | 8,691 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $455,000 | 8,577 |
| Total interest expense | $61,000 | 8,805 |
| Net interest income | $394,000 | 8,405 |
| Provision for loan and lease losses | $74,000 | 4,051 |
| Total noninterest income | $10,000 | 8,900 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $7,000 | 7,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $496,000 | 7,846 |
| Salaries and employee benefits | $254,000 | 7,996 |
| Premises and equipment expense | $116,000 | 6,415 |
| Additional noninterest expense | $126,000 | 8,011 |
| Pre-tax net operating income | $-166,000 | 8,745 |
| Securities gains (losses) | $-8,000 | 8,658 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-174,000 | 8,776 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-174,000 | 8,777 |
| 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 | $-166,000 | 8,745 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $170,000 | 8,804 |
| Total interest expense | $22,000 | 8,930 |
| Net interest income | $148,000 | 8,703 |
| Provision for loan and lease losses | $48,000 | 3,379 |
| Total noninterest income | $4,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $220,000 | 8,100 |
| Salaries and employee benefits | $111,000 | 8,233 |
| Premises and equipment expense | $43,000 | 7,106 |
| Additional noninterest expense | $66,000 | 7,984 |
| Pre-tax net operating income | $-116,000 | 8,817 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-110,000 | 8,856 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-110,000 | 8,857 |
| 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 | $-116,000 | 8,830 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $33,000 | 9,156 |
| Total interest expense | $6,000 | 9,134 |
| Net interest income | $27,000 | 9,146 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $1,000 | 9,125 |
| 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 | $0 | 9,041 |
| Total noninterest expense | $416,000 | 8,954 |
| Salaries and employee benefits | $204,000 | 8,996 |
| Premises and equipment expense | $77,000 | 8,384 |
| Additional noninterest expense | $135,000 | 8,833 |
| Pre-tax net operating income | $-408,000 | 8,779 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-408,000 | 8,867 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-408,000 | 8,867 |
| 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 | $5,963,000 | 170 |
| Net operating income | $-408,000 | 8,801 |
* 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.