Home > Pennsylvania Business Bank > Income and Expense
Pennsylvania Business Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 4,780 |
| Total interest expense | $696,000 | 3,959 |
| Net interest income | $792,000 | 5,240 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $110,000 | 5,038 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $70,000 | 3,970 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $40,000 | 5,204 |
| Total noninterest expense | $878,000 | 4,686 |
| Salaries and employee benefits | $307,000 | 5,923 |
| Premises and equipment expense | $246,000 | 2,701 |
| Additional noninterest expense | $325,000 | 4,160 |
| Pre-tax net operating income | $9,000 | 6,137 |
| Securities gains (losses) | $237,000 | 595 |
| Applicable income taxes | $5,000 | 4,285 |
| Income before extraordinary items | $241,000 | 3,516 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $241,000 | 3,517 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $241,000 | 3,517 |
| Net charge-offs | $88,000 | 3,010 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $8,740 | 6,152 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $924,000 | 8,026 |
| Total interest expense | $440,000 | 7,772 |
| Net interest income | $484,000 | 8,090 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $32,000 | 7,861 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,875 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $0 | 7,939 |
| Total noninterest expense | $632,000 | 7,997 |
| Salaries and employee benefits | $211,000 | 8,189 |
| Premises and equipment expense | $141,000 | 7,215 |
| Additional noninterest expense | $280,000 | 7,543 |
| Pre-tax net operating income | $-116,000 | 6,466 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-116,000 | 6,377 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-116,000 | 6,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-116,000 | 6,525 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,480,000 | 4,429 |
| Total interest expense | $2,817,000 | 3,776 |
| Net interest income | $2,663,000 | 4,965 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $683,000 | 3,691 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $214,000 | 4,125 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $469,000 | 2,917 |
| Total noninterest expense | $3,697,000 | 3,598 |
| Salaries and employee benefits | $1,761,000 | 3,990 |
| Premises and equipment expense | $694,000 | 2,824 |
| Additional noninterest expense | $1,242,000 | 3,285 |
| Pre-tax net operating income | $-351,000 | 7,154 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-351,000 | 7,070 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-351,000 | 7,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,708 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-351,000 | 7,215 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,740,000 | 4,436 |
| Total interest expense | $2,007,000 | 3,735 |
| Net interest income | $1,733,000 | 5,048 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $525,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $138,000 | 4,197 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $387,000 | 2,640 |
| Total noninterest expense | $2,451,000 | 3,625 |
| Salaries and employee benefits | $1,171,000 | 4,029 |
| Premises and equipment expense | $462,000 | 2,837 |
| Additional noninterest expense | $818,000 | 3,298 |
| Pre-tax net operating income | $-193,000 | 7,320 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-193,000 | 7,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-193,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,530 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-193,000 | 7,375 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,939,000 | 4,408 |
| Total interest expense | $1,080,000 | 3,719 |
| Net interest income | $859,000 | 5,084 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $143,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $28,000 | 5,782 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $115,000 | 3,517 |
| Total noninterest expense | $1,224,000 | 3,635 |
| Salaries and employee benefits | $588,000 | 4,030 |
| Premises and equipment expense | $235,000 | 2,800 |
| Additional noninterest expense | $401,000 | 3,305 |
| Pre-tax net operating income | $-222,000 | 7,799 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-222,000 | 7,878 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-222,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,243 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-222,000 | 7,847 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,801,000 | 4,104 |
| Total interest expense | $4,920,000 | 3,507 |
| Net interest income | $3,881,000 | 4,722 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,311,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $233,000 | 4,591 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,078,000 | 2,117 |
| Total noninterest expense | $5,429,000 | 3,222 |
| Salaries and employee benefits | $2,769,000 | 3,440 |
| Premises and equipment expense | $933,000 | 2,720 |
| Additional noninterest expense | $1,727,000 | 3,047 |
| Pre-tax net operating income | $-237,000 | 7,675 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-237,000 | 7,736 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-237,000 | 7,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,299 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 1,042 |
| Net operating income | $-237,000 | 7,718 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,744,000 | 4,054 |
| Total interest expense | $3,741,000 | 3,469 |
| Net interest income | $3,003,000 | 4,636 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,017,000 | 2,881 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $174,000 | 4,635 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $843,000 | 2,056 |
| Total noninterest expense | $4,206,000 | 3,103 |
| Salaries and employee benefits | $2,192,000 | 3,276 |
| Premises and equipment expense | $708,000 | 2,687 |
| Additional noninterest expense | $1,306,000 | 2,967 |
| Pre-tax net operating income | $-186,000 | 7,882 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-186,000 | 7,928 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-186,000 | 7,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,231 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-186,000 | 7,913 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 4,059 |
| Total interest expense | $2,507,000 | 3,446 |
| Net interest income | $2,017,000 | 4,639 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $651,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $103,000 | 4,880 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $548,000 | 2,115 |
| Total noninterest expense | $2,894,000 | 3,056 |
| Salaries and employee benefits | $1,565,000 | 3,128 |
| Premises and equipment expense | $474,000 | 2,699 |
| Additional noninterest expense | $855,000 | 3,018 |
| Pre-tax net operating income | $-226,000 | 8,103 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-226,000 | 8,143 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-226,000 | 8,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,172 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-226,000 | 8,132 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,271,000 | 4,045 |
| Total interest expense | $1,284,000 | 3,358 |
| Net interest income | $987,000 | 4,721 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $366,000 | 2,722 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $331,000 | 1,828 |
| Total noninterest expense | $1,506,000 | 2,974 |
| Salaries and employee benefits | $860,000 | 2,888 |
| Premises and equipment expense | $239,000 | 2,694 |
| Additional noninterest expense | $407,000 | 3,125 |
| Pre-tax net operating income | $-153,000 | 8,234 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-153,000 | 8,267 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-153,000 | 8,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,992 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-153,000 | 8,258 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,708,000 | 3,663 |
| Total interest expense | $5,562,000 | 2,770 |
| Net interest income | $4,146,000 | 4,563 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,600,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $162,000 | 5,378 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,438,000 | 1,722 |
| Total noninterest expense | $6,656,000 | 2,632 |
| Salaries and employee benefits | $3,654,000 | 2,646 |
| Premises and equipment expense | $1,033,000 | 2,392 |
| Additional noninterest expense | $1,969,000 | 2,599 |
| Pre-tax net operating income | $-910,000 | 8,397 |
| Securities gains (losses) | $-633,000 | 8,534 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-1,543,000 | 8,554 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,543,000 | 8,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-106,000 | 8,510 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-910,000 | 8,426 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,261,000 | 3,638 |
| Total interest expense | $4,043,000 | 2,751 |
| Net interest income | $3,218,000 | 4,499 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,206,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $120,000 | 5,469 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,086,000 | 1,718 |
| Total noninterest expense | $5,121,000 | 2,568 |
| Salaries and employee benefits | $2,824,000 | 2,574 |
| Premises and equipment expense | $777,000 | 2,394 |
| Additional noninterest expense | $1,520,000 | 2,526 |
| Pre-tax net operating income | $-697,000 | 8,507 |
| Securities gains (losses) | $-80,000 | 8,334 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-777,000 | 8,558 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-777,000 | 8,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,492 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-697,000 | 8,531 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,808,000 | 3,604 |
| Total interest expense | $2,631,000 | 2,704 |
| Net interest income | $2,177,000 | 4,479 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $774,000 | 2,654 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $74,000 | 5,610 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $700,000 | 1,764 |
| Total noninterest expense | $3,511,000 | 2,516 |
| Salaries and employee benefits | $1,951,000 | 2,495 |
| Premises and equipment expense | $529,000 | 2,345 |
| Additional noninterest expense | $1,031,000 | 2,489 |
| Pre-tax net operating income | $-560,000 | 8,586 |
| Securities gains (losses) | $-80,000 | 8,485 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-640,000 | 8,629 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-640,000 | 8,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,102 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-560,000 | 8,601 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,320,000 | 3,649 |
| Total interest expense | $1,253,000 | 2,713 |
| Net interest income | $1,067,000 | 4,515 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $321,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $293,000 | 1,977 |
| Total noninterest expense | $1,837,000 | 2,399 |
| Salaries and employee benefits | $1,018,000 | 2,414 |
| Premises and equipment expense | $283,000 | 2,205 |
| Additional noninterest expense | $536,000 | 2,395 |
| Pre-tax net operating income | $-449,000 | 8,683 |
| Securities gains (losses) | $-80,000 | 8,633 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-529,000 | 8,714 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-529,000 | 8,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,181 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-449,000 | 8,688 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,345,000 | 3,326 |
| Total interest expense | $4,420,000 | 2,448 |
| Net interest income | $4,925,000 | 3,990 |
| Provision for loan and lease losses | $1,505,000 | 711 |
| Total noninterest income | $1,082,000 | 3,367 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $78,000 | 6,621 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,004,000 | 2,214 |
| Total noninterest expense | $7,384,000 | 2,269 |
| Salaries and employee benefits | $3,976,000 | 2,303 |
| Premises and equipment expense | $1,103,000 | 2,174 |
| Additional noninterest expense | $2,305,000 | 2,174 |
| Pre-tax net operating income | $-2,882,000 | 8,794 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,018,000 | 2,241 |
| Income before extraordinary items | $-3,900,000 | 8,816 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-3,900,000 | 8,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,051,000 | 649 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,962,000 | 359 |
| Net operating income | $-3,900,000 | 8,804 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 3,302 |
| Total interest expense | $3,233,000 | 2,399 |
| Net interest income | $3,697,000 | 3,988 |
| Provision for loan and lease losses | $1,385,000 | 552 |
| Total noninterest income | $758,000 | 3,540 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 6,708 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $702,000 | 2,316 |
| Total noninterest expense | $5,376,000 | 2,304 |
| Salaries and employee benefits | $2,970,000 | 2,289 |
| Premises and equipment expense | $813,000 | 2,198 |
| Additional noninterest expense | $1,593,000 | 2,317 |
| Pre-tax net operating income | $-2,306,000 | 8,825 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-784,000 | 8,835 |
| Income before extraordinary items | $-1,522,000 | 8,802 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,522,000 | 8,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,447,000 | 385 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,616,000 | 314 |
| Net operating income | $-1,522,000 | 8,781 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,544,000 | 3,282 |
| Total interest expense | $2,090,000 | 2,347 |
| Net interest income | $2,454,000 | 3,982 |
| Provision for loan and lease losses | $1,325,000 | 379 |
| Total noninterest income | $460,000 | 3,717 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $36,000 | 6,751 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $424,000 | 2,447 |
| Total noninterest expense | $3,534,000 | 2,333 |
| Salaries and employee benefits | $1,978,000 | 2,279 |
| Premises and equipment expense | $542,000 | 2,190 |
| Additional noninterest expense | $1,014,000 | 2,388 |
| Pre-tax net operating income | $-1,945,000 | 8,835 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-661,000 | 8,845 |
| Income before extraordinary items | $-1,284,000 | 8,825 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,284,000 | 8,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,470,000 | 279 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $1,616,000 | 212 |
| Net operating income | $-1,284,000 | 8,811 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 3,299 |
| Total interest expense | $1,005,000 | 2,327 |
| Net interest income | $1,228,000 | 3,991 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $293,000 | 3,109 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $278,000 | 1,985 |
| Total noninterest expense | $1,851,000 | 2,233 |
| Salaries and employee benefits | $1,073,000 | 2,125 |
| Premises and equipment expense | $270,000 | 2,205 |
| Additional noninterest expense | $508,000 | 2,395 |
| Pre-tax net operating income | $-390,000 | 8,822 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-133,000 | 8,864 |
| Income before extraordinary items | $-257,000 | 8,785 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-257,000 | 8,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,419 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-257,000 | 8,768 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,710,000 | 2,910 |
| Total interest expense | $3,735,000 | 2,172 |
| Net interest income | $5,975,000 | 3,303 |
| Provision for loan and lease losses | $650,000 | 1,541 |
| Total noninterest income | $636,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $81,000 | 6,754 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $555,000 | 3,114 |
| Total noninterest expense | $6,829,000 | 2,341 |
| Salaries and employee benefits | $3,640,000 | 2,387 |
| Premises and equipment expense | $996,000 | 2,298 |
| Additional noninterest expense | $2,193,000 | 2,217 |
| Pre-tax net operating income | $-868,000 | 8,777 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $-286,000 | 8,859 |
| Income before extraordinary items | $-561,000 | 8,737 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-561,000 | 8,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,022,000 | 342 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-574,860 | 8,718 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,359,000 | 2,847 |
| Total interest expense | $2,687,000 | 2,211 |
| Net interest income | $4,672,000 | 3,178 |
| Provision for loan and lease losses | $475,000 | 1,507 |
| Total noninterest income | $506,000 | 4,518 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $65,000 | 6,713 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $441,000 | 3,024 |
| Total noninterest expense | $4,989,000 | 2,390 |
| Salaries and employee benefits | $2,637,000 | 2,451 |
| Premises and equipment expense | $745,000 | 2,306 |
| Additional noninterest expense | $1,607,000 | 2,250 |
| Pre-tax net operating income | $-286,000 | 8,688 |
| Securities gains (losses) | $21,000 | 2,274 |
| Applicable income taxes | $-88,000 | 8,843 |
| Income before extraordinary items | $-177,000 | 8,661 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-177,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,153,000 | 335 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-191,070 | 8,645 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,966,000 | 2,803 |
| Total interest expense | $1,720,000 | 2,269 |
| Net interest income | $3,246,000 | 3,069 |
| Provision for loan and lease losses | $200,000 | 2,196 |
| Total noninterest income | $307,000 | 4,762 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $257,000 | 3,272 |
| Total noninterest expense | $3,275,000 | 2,425 |
| Salaries and employee benefits | $1,699,000 | 2,530 |
| Premises and equipment expense | $496,000 | 2,310 |
| Additional noninterest expense | $1,080,000 | 2,235 |
| Pre-tax net operating income | $78,000 | 8,069 |
| Securities gains (losses) | $38,000 | 1,632 |
| Applicable income taxes | $42,000 | 5,789 |
| Income before extraordinary items | $74,000 | 8,042 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $74,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,128,000 | 388 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $49,680 | 8,176 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 2,690 |
| Total interest expense | $861,000 | 2,290 |
| Net interest income | $1,734,000 | 2,867 |
| Provision for loan and lease losses | $130,000 | 1,707 |
| Total noninterest income | $152,000 | 4,739 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $25,000 | 6,482 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $127,000 | 3,230 |
| Total noninterest expense | $1,610,000 | 2,480 |
| Salaries and employee benefits | $855,000 | 2,533 |
| Premises and equipment expense | $241,000 | 2,392 |
| Additional noninterest expense | $514,000 | 2,300 |
| Pre-tax net operating income | $146,000 | 6,492 |
| Securities gains (losses) | $38,000 | 1,356 |
| Applicable income taxes | $64,000 | 4,484 |
| Income before extraordinary items | $120,000 | 6,518 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $120,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $709,000 | 341 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $95,300 | 6,872 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,388,000 | 2,721 |
| Total interest expense | $4,192,000 | 2,123 |
| Net interest income | $6,196,000 | 3,098 |
| Provision for loan and lease losses | $2,500,000 | 556 |
| Total noninterest income | $629,000 | 4,838 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $121,000 | 6,263 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $508,000 | 3,556 |
| Total noninterest expense | $6,218,000 | 2,518 |
| Salaries and employee benefits | $3,050,000 | 2,727 |
| Premises and equipment expense | $917,000 | 2,437 |
| Additional noninterest expense | $2,251,000 | 2,136 |
| Pre-tax net operating income | $-1,893,000 | 9,067 |
| Securities gains (losses) | $362,000 | 938 |
| Applicable income taxes | $-676,000 | 9,109 |
| Income before extraordinary items | $-855,000 | 9,005 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-855,000 | 9,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,239,000 | 777 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,086,680 | 9,002 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,812,000 | 2,759 |
| Total interest expense | $3,290,000 | 2,112 |
| Net interest income | $4,522,000 | 3,176 |
| Provision for loan and lease losses | $820,000 | 1,058 |
| Total noninterest income | $508,000 | 4,704 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $88,000 | 6,353 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $420,000 | 3,443 |
| Total noninterest expense | $4,514,000 | 2,603 |
| Salaries and employee benefits | $2,236,000 | 2,790 |
| Premises and equipment expense | $678,000 | 2,496 |
| Additional noninterest expense | $1,600,000 | 2,244 |
| Pre-tax net operating income | $-304,000 | 8,874 |
| Securities gains (losses) | $342,000 | 884 |
| Applicable income taxes | $23,000 | 6,733 |
| Income before extraordinary items | $15,000 | 8,674 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $15,000 | 8,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $602,000 | 1,011 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-203,880 | 8,835 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,265,000 | 2,752 |
| Total interest expense | $2,337,000 | 2,055 |
| Net interest income | $2,928,000 | 3,260 |
| Provision for loan and lease losses | $370,000 | 1,503 |
| Total noninterest income | $337,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $57,000 | 6,385 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $280,000 | 3,432 |
| Total noninterest expense | $2,934,000 | 2,655 |
| Salaries and employee benefits | $1,479,000 | 2,814 |
| Premises and equipment expense | $449,000 | 2,486 |
| Additional noninterest expense | $1,006,000 | 2,361 |
| Pre-tax net operating income | $-39,000 | 8,754 |
| Securities gains (losses) | $246,000 | 927 |
| Applicable income taxes | $75,000 | 5,484 |
| Income before extraordinary items | $132,000 | 7,637 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $132,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,439 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-25,440 | 8,722 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,674,000 | 2,730 |
| Total interest expense | $1,224,000 | 2,015 |
| Net interest income | $1,450,000 | 3,274 |
| Provision for loan and lease losses | $235,000 | 1,184 |
| Total noninterest income | $132,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 6,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $112,000 | 3,730 |
| Total noninterest expense | $1,498,000 | 2,591 |
| Salaries and employee benefits | $748,000 | 2,777 |
| Premises and equipment expense | $227,000 | 2,452 |
| Additional noninterest expense | $523,000 | 2,235 |
| Pre-tax net operating income | $-151,000 | 9,039 |
| Securities gains (losses) | $246,000 | 588 |
| Applicable income taxes | $32,000 | 5,652 |
| Income before extraordinary items | $63,000 | 7,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,327 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-99,360 | 8,961 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,462,000 | 2,900 |
| Total interest expense | $4,830,000 | 2,316 |
| Net interest income | $5,632,000 | 3,312 |
| Provision for loan and lease losses | $1,200,000 | 1,132 |
| Total noninterest income | $905,000 | 3,692 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $101,000 | 6,561 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $804,000 | 2,498 |
| Total noninterest expense | $5,173,000 | 2,842 |
| Salaries and employee benefits | $2,635,000 | 2,983 |
| Premises and equipment expense | $796,000 | 2,696 |
| Additional noninterest expense | $1,742,000 | 2,610 |
| Pre-tax net operating income | $164,000 | 8,065 |
| Securities gains (losses) | $149,000 | 1,395 |
| Applicable income taxes | $110,000 | 5,872 |
| Income before extraordinary items | $203,000 | 7,825 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $203,000 | 7,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,750 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,569,000 | 251 |
| Net operating income | $106,150 | 8,202 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,757,000 | 3,716 |
| Total interest expense | $4,171,000 | 3,670 |
| Net interest income | $4,586,000 | 3,688 |
| Provision for loan and lease losses | $850,000 | 1,422 |
| Total noninterest income | $500,000 | 5,070 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $101,000 | 6,558 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $399,000 | 3,538 |
| Total noninterest expense | $3,923,000 | 3,484 |
| Salaries and employee benefits | $2,112,000 | 3,437 |
| Premises and equipment expense | $582,000 | 3,451 |
| Additional noninterest expense | $1,229,000 | 3,422 |
| Pre-tax net operating income | $313,000 | 7,352 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $110,000 | 5,889 |
| Income before extraordinary items | $203,000 | 7,711 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $203,000 | 7,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 2,215 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,451,000 | 355 |
| Net operating income | $203,000 | 7,586 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,614,000 | 5,316 |
| Total interest expense | $2,363,000 | 5,752 |
| Net interest income | $3,251,000 | 4,869 |
| Provision for loan and lease losses | $490,000 | 1,910 |
| Total noninterest income | $378,000 | 5,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $298,000 | 3,934 |
| Total noninterest expense | $3,112,000 | 4,108 |
| Salaries and employee benefits | $1,579,000 | 4,181 |
| Premises and equipment expense | $490,000 | 3,849 |
| Additional noninterest expense | $1,043,000 | 3,866 |
| Pre-tax net operating income | $27,000 | 9,028 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $27,000 | 9,042 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $27,000 | 9,040 |
| 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 | $2,934,000 | 304 |
| Net operating income | $27,000 | 9,025 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,143,000 | 9,480 |
| Total interest expense | $337,000 | 9,749 |
| Net interest income | $806,000 | 9,055 |
| Provision for loan and lease losses | $335,000 | 2,438 |
| Total noninterest income | $23,000 | 9,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $1,843,000 | 5,993 |
| Salaries and employee benefits | $705,000 | 7,209 |
| Premises and equipment expense | $262,000 | 5,888 |
| Additional noninterest expense | $876,000 | 4,472 |
| Pre-tax net operating income | $-1,349,000 | 10,117 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,349,000 | 10,122 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,349,000 | 10,122 |
| 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 | $6,180,000 | 189 |
| Net operating income | $-1,349,000 | 10,116 |
* 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.