Home > Pisgah Community Bank > Income and Expense
Pisgah Community Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $171,000 | 6,853 |
| Total interest expense | $65,000 | 5,840 |
| Net interest income | $106,000 | 6,927 |
| Provision for loan and lease losses | $-374,000 | 6,938 |
| Total noninterest income | $-66,000 | 6,949 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $2,000 | 6,720 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-68,000 | 6,905 |
| Total noninterest expense | $415,000 | 5,845 |
| Salaries and employee benefits | $121,000 | 6,590 |
| Premises and equipment expense | $59,000 | 5,371 |
| Additional noninterest expense | $235,000 | 4,792 |
| Pre-tax net operating income | $-1,000 | 6,350 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-1,000 | 6,421 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-1,000 | 6,422 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-1,000 | 6,422 |
| Net charge-offs | $92,000 | 1,963 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-1,000 | 6,347 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $810,000 | 6,879 |
| Total interest expense | $323,000 | 5,882 |
| Net interest income | $487,000 | 6,966 |
| Provision for loan and lease losses | $1,000 | 5,896 |
| Total noninterest income | $-458,000 | 6,987 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $15,000 | 6,730 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-473,000 | 6,919 |
| Total noninterest expense | $1,989,000 | 5,659 |
| Salaries and employee benefits | $497,000 | 6,640 |
| Premises and equipment expense | $321,000 | 4,817 |
| Additional noninterest expense | $1,171,000 | 4,418 |
| Pre-tax net operating income | $-1,961,000 | 6,802 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-1,961,000 | 6,834 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,961,000 | 6,831 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,961,000 | 6,832 |
| Net charge-offs | $582,000 | 2,452 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,961,000 | 6,811 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $646,000 | 6,957 |
| Total interest expense | $240,000 | 6,023 |
| Net interest income | $406,000 | 7,054 |
| Provision for loan and lease losses | $1,000 | 5,774 |
| Total noninterest income | $-443,000 | 7,104 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $12,000 | 6,810 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-455,000 | 7,071 |
| Total noninterest expense | $1,524,000 | 5,662 |
| Salaries and employee benefits | $383,000 | 6,688 |
| Premises and equipment expense | $239,000 | 4,892 |
| Additional noninterest expense | $902,000 | 4,375 |
| Pre-tax net operating income | $-1,562,000 | 6,928 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-1,562,000 | 6,955 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,562,000 | 6,952 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,562,000 | 6,954 |
| Net charge-offs | $481,000 | 2,248 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-1,562,000 | 6,936 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $437,000 | 7,016 |
| Total interest expense | $164,000 | 6,077 |
| Net interest income | $273,000 | 7,111 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $-406,000 | 7,181 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $9,000 | 6,823 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-415,000 | 7,155 |
| Total noninterest expense | $1,120,000 | 5,498 |
| Salaries and employee benefits | $261,000 | 6,724 |
| Premises and equipment expense | $159,000 | 4,918 |
| Additional noninterest expense | $700,000 | 3,985 |
| Pre-tax net operating income | $-1,253,000 | 7,012 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,253,000 | 7,036 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,253,000 | 7,035 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,253,000 | 7,036 |
| Net charge-offs | $450,000 | 1,890 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,253,000 | 7,022 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $217,000 | 7,076 |
| Total interest expense | $84,000 | 6,146 |
| Net interest income | $133,000 | 7,176 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $-179,000 | 7,238 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $5,000 | 6,835 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-184,000 | 7,197 |
| Total noninterest expense | $521,000 | 5,686 |
| Salaries and employee benefits | $122,000 | 6,839 |
| Premises and equipment expense | $79,000 | 4,958 |
| Additional noninterest expense | $320,000 | 4,209 |
| Pre-tax net operating income | $-567,000 | 7,071 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-567,000 | 7,091 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-567,000 | 7,090 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-567,000 | 7,091 |
| Net charge-offs | $-8,000 | 6,564 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-567,000 | 7,076 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 7,004 |
| Total interest expense | $475,000 | 5,952 |
| Net interest income | $661,000 | 7,164 |
| Provision for loan and lease losses | $990,000 | 2,425 |
| Total noninterest income | $-592,000 | 7,205 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $31,000 | 6,604 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-623,000 | 7,125 |
| Total noninterest expense | $2,116,000 | 5,714 |
| Salaries and employee benefits | $480,000 | 6,932 |
| Premises and equipment expense | $316,000 | 5,118 |
| Additional noninterest expense | $1,320,000 | 4,197 |
| Pre-tax net operating income | $-3,037,000 | 6,919 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-3,037,000 | 6,952 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,037,000 | 6,953 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,037,000 | 6,953 |
| Net charge-offs | $326,000 | 3,707 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,037,000 | 6,938 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $890,000 | 7,041 |
| Total interest expense | $376,000 | 5,959 |
| Net interest income | $514,000 | 7,217 |
| Provision for loan and lease losses | $990,000 | 1,980 |
| Total noninterest income | $-539,000 | 7,303 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $26,000 | 6,599 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-565,000 | 7,254 |
| Total noninterest expense | $1,592,000 | 5,728 |
| Salaries and employee benefits | $359,000 | 6,977 |
| Premises and equipment expense | $236,000 | 5,172 |
| Additional noninterest expense | $997,000 | 4,182 |
| Pre-tax net operating income | $-2,607,000 | 7,071 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,607,000 | 7,116 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,607,000 | 7,117 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,607,000 | 7,117 |
| Net charge-offs | $319,000 | 3,181 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,607,000 | 7,102 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $605,000 | 7,092 |
| Total interest expense | $272,000 | 5,925 |
| Net interest income | $333,000 | 7,302 |
| Provision for loan and lease losses | $988,000 | 1,510 |
| Total noninterest income | $-506,000 | 7,409 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $18,000 | 6,606 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-524,000 | 7,387 |
| Total noninterest expense | $1,089,000 | 5,741 |
| Salaries and employee benefits | $241,000 | 7,027 |
| Premises and equipment expense | $159,000 | 5,198 |
| Additional noninterest expense | $689,000 | 4,159 |
| Pre-tax net operating income | $-2,250,000 | 7,204 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,250,000 | 7,233 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,250,000 | 7,233 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,250,000 | 7,234 |
| Net charge-offs | $86,000 | 3,991 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,250,000 | 7,222 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $342,000 | 7,036 |
| Total interest expense | $153,000 | 5,807 |
| Net interest income | $189,000 | 7,292 |
| Provision for loan and lease losses | $922,000 | 918 |
| Total noninterest income | $-351,000 | 7,500 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $8,000 | 6,661 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-359,000 | 7,484 |
| Total noninterest expense | $551,000 | 5,747 |
| Salaries and employee benefits | $133,000 | 6,978 |
| Premises and equipment expense | $79,000 | 5,252 |
| Additional noninterest expense | $339,000 | 4,187 |
| Pre-tax net operating income | $-1,635,000 | 7,363 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,635,000 | 7,375 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,635,000 | 7,376 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,635,000 | 7,376 |
| Net charge-offs | $-179,000 | 7,498 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,635,000 | 7,374 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,828,000 | 6,832 |
| Total interest expense | $998,000 | 5,231 |
| Net interest income | $830,000 | 7,300 |
| Provision for loan and lease losses | $9,231,000 | 710 |
| Total noninterest income | $12,000 | 7,221 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $45,000 | 6,306 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-33,000 | 7,091 |
| Total noninterest expense | $1,930,000 | 6,073 |
| Salaries and employee benefits | $652,000 | 6,797 |
| Premises and equipment expense | $331,000 | 5,212 |
| Additional noninterest expense | $947,000 | 5,233 |
| Pre-tax net operating income | $-10,319,000 | 7,364 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-10,319,000 | 7,387 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-10,319,000 | 7,385 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-10,319,000 | 7,387 |
| Net charge-offs | $9,138,000 | 651 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $3,308,000 | 195 |
| Net operating income | $-10,319,000 | 7,377 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,453,000 | 6,863 |
| Total interest expense | $791,000 | 5,251 |
| Net interest income | $662,000 | 7,357 |
| Provision for loan and lease losses | $7,950,000 | 601 |
| Total noninterest income | $3,000 | 7,419 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $36,000 | 6,334 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-33,000 | 7,291 |
| Total noninterest expense | $1,406,000 | 6,181 |
| Salaries and employee benefits | $512,000 | 6,781 |
| Premises and equipment expense | $249,000 | 5,245 |
| Additional noninterest expense | $645,000 | 5,465 |
| Pre-tax net operating income | $-8,691,000 | 7,523 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-8,691,000 | 7,554 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-8,691,000 | 7,554 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-8,691,000 | 7,554 |
| Net charge-offs | $7,838,000 | 565 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $3,308,000 | 150 |
| Net operating income | $-8,691,000 | 7,544 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $980,000 | 6,906 |
| Total interest expense | $538,000 | 5,304 |
| Net interest income | $442,000 | 7,418 |
| Provision for loan and lease losses | $7,343,000 | 463 |
| Total noninterest income | $29,000 | 7,215 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $25,000 | 6,341 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $4,000 | 7,074 |
| Total noninterest expense | $901,000 | 6,290 |
| Salaries and employee benefits | $357,000 | 6,741 |
| Premises and equipment expense | $167,000 | 5,273 |
| Additional noninterest expense | $377,000 | 5,785 |
| Pre-tax net operating income | $-7,773,000 | 7,640 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-7,773,000 | 7,660 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,773,000 | 7,660 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-7,773,000 | 7,660 |
| Net charge-offs | $6,957,000 | 435 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $3,058,000 | 114 |
| Net operating income | $-7,773,000 | 7,661 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $526,000 | 6,900 |
| Total interest expense | $270,000 | 5,434 |
| Net interest income | $256,000 | 7,390 |
| Provision for loan and lease losses | $6,342,000 | 317 |
| Total noninterest income | $15,000 | 7,289 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $12,000 | 6,416 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,000 | 7,164 |
| Total noninterest expense | $471,000 | 6,289 |
| Salaries and employee benefits | $176,000 | 6,856 |
| Premises and equipment expense | $84,000 | 5,347 |
| Additional noninterest expense | $211,000 | 5,555 |
| Pre-tax net operating income | $-6,542,000 | 7,803 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-6,542,000 | 7,816 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-6,542,000 | 7,817 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-6,542,000 | 7,817 |
| Net charge-offs | $6,346,000 | 276 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-6,542,000 | 7,815 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 6,785 |
| Total interest expense | $944,000 | 6,138 |
| Net interest income | $1,420,000 | 6,998 |
| Provision for loan and lease losses | $846,000 | 3,774 |
| Total noninterest income | $114,000 | 6,877 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $58,000 | 6,354 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $56,000 | 6,252 |
| Total noninterest expense | $1,528,000 | 6,766 |
| Salaries and employee benefits | $642,000 | 7,104 |
| Premises and equipment expense | $204,000 | 6,452 |
| Additional noninterest expense | $682,000 | 6,192 |
| Pre-tax net operating income | $-840,000 | 6,189 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $577,000 | 1,415 |
| Income before extraordinary items | $-1,417,000 | 6,541 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,417,000 | 6,541 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,417,000 | 6,541 |
| Net charge-offs | $153,000 | 5,311 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,417,000 | 6,542 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,643,000 | 7,001 |
| Total interest expense | $661,000 | 6,413 |
| Net interest income | $982,000 | 7,174 |
| Provision for loan and lease losses | $593,000 | 3,551 |
| Total noninterest income | $95,000 | 6,889 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $42,000 | 6,425 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $53,000 | 6,161 |
| Total noninterest expense | $1,093,000 | 6,886 |
| Salaries and employee benefits | $467,000 | 7,194 |
| Premises and equipment expense | $124,000 | 6,838 |
| Additional noninterest expense | $502,000 | 6,245 |
| Pre-tax net operating income | $-609,000 | 6,412 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $577,000 | 1,288 |
| Income before extraordinary items | $-1,186,000 | 6,845 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,186,000 | 6,846 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,186,000 | 6,846 |
| Net charge-offs | $150,000 | 4,606 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,186,000 | 6,830 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $994,000 | 7,219 |
| Total interest expense | $414,000 | 6,658 |
| Net interest income | $580,000 | 7,371 |
| Provision for loan and lease losses | $340,000 | 3,522 |
| Total noninterest income | $65,000 | 6,912 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $19,000 | 6,748 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $46,000 | 5,941 |
| Total noninterest expense | $699,000 | 7,006 |
| Salaries and employee benefits | $290,000 | 7,371 |
| Premises and equipment expense | $81,000 | 6,919 |
| Additional noninterest expense | $328,000 | 6,300 |
| Pre-tax net operating income | $-394,000 | 6,537 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-152,000 | 7,245 |
| Income before extraordinary items | $-242,000 | 6,457 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-242,000 | 6,456 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-242,000 | 6,456 |
| Net charge-offs | $100,000 | 4,241 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-242,000 | 6,442 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 7,465 |
| Total interest expense | $192,000 | 6,871 |
| Net interest income | $240,000 | 7,630 |
| Provision for loan and lease losses | $195,000 | 2,897 |
| Total noninterest income | $12,000 | 7,693 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $7,000 | 6,895 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $5,000 | 7,314 |
| Total noninterest expense | $322,000 | 7,141 |
| Salaries and employee benefits | $144,000 | 7,426 |
| Premises and equipment expense | $40,000 | 6,984 |
| Additional noninterest expense | $138,000 | 6,509 |
| Pre-tax net operating income | $-265,000 | 7,007 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-102,000 | 7,557 |
| Income before extraordinary items | $-163,000 | 6,971 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-163,000 | 6,972 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-163,000 | 6,972 |
| Net charge-offs | $100,000 | 2,864 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-163,000 | 6,893 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $666,000 | 8,132 |
| Total interest expense | $335,000 | 7,939 |
| Net interest income | $331,000 | 8,177 |
| Provision for loan and lease losses | $475,000 | 3,888 |
| Total noninterest income | $74,000 | 7,542 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,266 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $71,000 | 6,362 |
| Total noninterest expense | $1,427,000 | 6,966 |
| Salaries and employee benefits | $786,000 | 6,945 |
| Premises and equipment expense | $128,000 | 7,348 |
| Additional noninterest expense | $513,000 | 6,574 |
| Pre-tax net operating income | $-1,497,000 | 7,214 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-577,000 | 7,544 |
| Income before extraordinary items | $-920,000 | 6,952 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-920,000 | 6,954 |
| 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 | $8,600,000 | 176 |
| Net operating income | $-920,000 | 7,075 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $348,000 | 8,290 |
| Total interest expense | $153,000 | 8,189 |
| Net interest income | $195,000 | 8,300 |
| Provision for loan and lease losses | $284,000 | 3,652 |
| Total noninterest income | $58,000 | 7,658 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,000 | 7,351 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $57,000 | 6,425 |
| Total noninterest expense | $1,109,000 | 6,898 |
| Salaries and employee benefits | $642,000 | 6,772 |
| Premises and equipment expense | $86,000 | 7,522 |
| Additional noninterest expense | $381,000 | 6,585 |
| Pre-tax net operating income | $-1,140,000 | 7,600 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-440,000 | 7,847 |
| Income before extraordinary items | $-700,000 | 7,338 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-700,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $8,600,000 | 116 |
| Net operating income | $-700,000 | 7,463 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $69,000 | 8,427 |
| Total interest expense | $18,000 | 8,387 |
| Net interest income | $51,000 | 8,421 |
| Provision for loan and lease losses | $211,000 | 3,061 |
| Total noninterest income | $49,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $49,000 | 6,161 |
| Total noninterest expense | $800,000 | 6,790 |
| Salaries and employee benefits | $498,000 | 6,502 |
| Premises and equipment expense | $47,000 | 7,766 |
| Additional noninterest expense | $255,000 | 6,600 |
| Pre-tax net operating income | $-911,000 | 7,867 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-351,000 | 8,102 |
| Income before extraordinary items | $-560,000 | 7,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-560,000 | 7,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $8,600,000 | 82 |
| Net operating income | $-560,000 | 7,718 |
* 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.