Home > Red Rock Community Bank > Income and Expense
Red Rock Community Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,562,000 | 4,832 |
| Total interest expense | $2,305,000 | 4,097 |
| Net interest income | $3,257,000 | 5,163 |
| Provision for loan and lease losses | $5,919,000 | 1,253 |
| Total noninterest income | $15,000 | 7,619 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $115,000 | 5,554 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-100,000 | 7,593 |
| Total noninterest expense | $3,497,000 | 4,724 |
| Salaries and employee benefits | $1,585,000 | 5,033 |
| Premises and equipment expense | $373,000 | 5,165 |
| Additional noninterest expense | $1,539,000 | 4,005 |
| Pre-tax net operating income | $-6,144,000 | 7,283 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-372,000 | 6,939 |
| Income before extraordinary items | $-5,772,000 | 7,335 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,772,000 | 7,335 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,772,000 | 7,335 |
| Net charge-offs | $3,776,000 | 1,393 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-5,772,000 | 7,350 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,405,000 | 4,741 |
| Total interest expense | $1,716,000 | 4,237 |
| Net interest income | $2,689,000 | 4,909 |
| Provision for loan and lease losses | $4,114,000 | 1,201 |
| Total noninterest income | $-37,000 | 7,880 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $84,000 | 5,633 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-121,000 | 7,827 |
| Total noninterest expense | $2,632,000 | 4,715 |
| Salaries and employee benefits | $1,217,000 | 5,003 |
| Premises and equipment expense | $291,000 | 5,109 |
| Additional noninterest expense | $1,124,000 | 4,052 |
| Pre-tax net operating income | $-4,094,000 | 7,420 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-870,000 | 7,510 |
| Income before extraordinary items | $-3,224,000 | 7,405 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,224,000 | 7,405 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,224,000 | 7,405 |
| Net charge-offs | $2,884,000 | 1,207 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,224,000 | 7,404 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,077,000 | 4,640 |
| Total interest expense | $1,132,000 | 4,388 |
| Net interest income | $1,945,000 | 4,665 |
| Provision for loan and lease losses | $3,104,000 | 1,065 |
| Total noninterest income | $123,000 | 6,056 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $52,000 | 5,748 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $71,000 | 5,343 |
| Total noninterest expense | $1,793,000 | 4,703 |
| Salaries and employee benefits | $831,000 | 4,984 |
| Premises and equipment expense | $199,000 | 5,085 |
| Additional noninterest expense | $763,000 | 4,017 |
| Pre-tax net operating income | $-2,829,000 | 7,541 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-959,000 | 7,745 |
| Income before extraordinary items | $-1,870,000 | 7,441 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,870,000 | 7,440 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,870,000 | 7,439 |
| Net charge-offs | $2,320,000 | 1,029 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,870,000 | 7,440 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 4,499 |
| Total interest expense | $588,000 | 4,399 |
| Net interest income | $1,049,000 | 4,440 |
| Provision for loan and lease losses | $1,529,000 | 899 |
| Total noninterest income | $55,000 | 6,240 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $25,000 | 5,766 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $30,000 | 5,617 |
| Total noninterest expense | $825,000 | 4,865 |
| Salaries and employee benefits | $405,000 | 5,109 |
| Premises and equipment expense | $103,000 | 5,042 |
| Additional noninterest expense | $317,000 | 4,236 |
| Pre-tax net operating income | $-1,250,000 | 7,700 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-424,000 | 7,866 |
| Income before extraordinary items | $-826,000 | 7,640 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-826,000 | 7,640 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-826,000 | 7,641 |
| Net charge-offs | $1,229,000 | 853 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-826,000 | 7,639 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,494,000 | 4,302 |
| Total interest expense | $2,462,000 | 4,792 |
| Net interest income | $5,032,000 | 3,930 |
| Provision for loan and lease losses | $832,000 | 2,979 |
| Total noninterest income | $215,000 | 6,382 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $94,000 | 5,981 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $121,000 | 5,664 |
| Total noninterest expense | $3,402,000 | 4,730 |
| Salaries and employee benefits | $1,721,000 | 4,927 |
| Premises and equipment expense | $497,000 | 4,476 |
| Additional noninterest expense | $1,184,000 | 4,328 |
| Pre-tax net operating income | $1,013,000 | 3,729 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $353,000 | 2,219 |
| Income before extraordinary items | $660,000 | 4,017 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $660,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $609,000 | 2,529 |
| Cash dividends | $1,100,000 | 2,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $660,000 | 4,177 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,727,000 | 4,325 |
| Total interest expense | $1,805,000 | 4,967 |
| Net interest income | $3,922,000 | 3,845 |
| Provision for loan and lease losses | $449,000 | 2,920 |
| Total noninterest income | $164,000 | 6,465 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $64,000 | 6,143 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $100,000 | 5,625 |
| Total noninterest expense | $2,612,000 | 4,647 |
| Salaries and employee benefits | $1,317,000 | 4,875 |
| Premises and equipment expense | $403,000 | 4,295 |
| Additional noninterest expense | $892,000 | 4,237 |
| Pre-tax net operating income | $1,025,000 | 3,635 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $354,000 | 2,288 |
| Income before extraordinary items | $671,000 | 3,903 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $671,000 | 3,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,845 |
| Cash dividends | $600,000 | 2,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $671,000 | 4,059 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,869,000 | 4,346 |
| Total interest expense | $1,217,000 | 5,070 |
| Net interest income | $2,652,000 | 3,817 |
| Provision for loan and lease losses | $299,000 | 2,581 |
| Total noninterest income | $102,000 | 6,621 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $42,000 | 6,170 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $60,000 | 5,860 |
| Total noninterest expense | $1,720,000 | 4,707 |
| Salaries and employee benefits | $851,000 | 5,023 |
| Premises and equipment expense | $268,000 | 4,319 |
| Additional noninterest expense | $601,000 | 4,187 |
| Pre-tax net operating income | $735,000 | 3,608 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $254,000 | 2,405 |
| Income before extraordinary items | $481,000 | 4,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 4,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,432 |
| Cash dividends | $600,000 | 2,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $481,000 | 4,041 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,967,000 | 4,374 |
| Total interest expense | $648,000 | 5,082 |
| Net interest income | $1,319,000 | 3,821 |
| Provision for loan and lease losses | $204,000 | 1,801 |
| Total noninterest income | $39,000 | 6,994 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $20,000 | 6,236 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 6,522 |
| Total noninterest expense | $855,000 | 4,738 |
| Salaries and employee benefits | $426,000 | 5,053 |
| Premises and equipment expense | $135,000 | 4,310 |
| Additional noninterest expense | $294,000 | 4,183 |
| Pre-tax net operating income | $299,000 | 4,167 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $104,000 | 2,753 |
| Income before extraordinary items | $195,000 | 4,709 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $195,000 | 4,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,293 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $195,000 | 4,607 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,094,000 | 4,008 |
| Total interest expense | $3,144,000 | 4,654 |
| Net interest income | $5,950,000 | 3,520 |
| Provision for loan and lease losses | $-121,000 | 8,400 |
| Total noninterest income | $225,000 | 6,570 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $74,000 | 6,383 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $151,000 | 5,566 |
| Total noninterest expense | $3,778,000 | 4,297 |
| Salaries and employee benefits | $2,156,000 | 4,146 |
| Premises and equipment expense | $464,000 | 4,582 |
| Additional noninterest expense | $1,158,000 | 4,177 |
| Pre-tax net operating income | $2,518,000 | 2,813 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $866,000 | 2,040 |
| Income before extraordinary items | $1,652,000 | 3,222 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,652,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,035 |
| Cash dividends | $1,000,000 | 2,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,652,000 | 3,212 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,803,000 | 4,031 |
| Total interest expense | $2,317,000 | 4,721 |
| Net interest income | $4,486,000 | 3,519 |
| Provision for loan and lease losses | $-121,000 | 8,440 |
| Total noninterest income | $188,000 | 6,436 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $57,000 | 6,395 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $131,000 | 5,332 |
| Total noninterest expense | $2,866,000 | 4,225 |
| Salaries and employee benefits | $1,642,000 | 4,087 |
| Premises and equipment expense | $342,000 | 4,612 |
| Additional noninterest expense | $882,000 | 4,078 |
| Pre-tax net operating income | $1,929,000 | 2,919 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $663,000 | 2,160 |
| Income before extraordinary items | $1,266,000 | 3,352 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,266,000 | 3,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,088 |
| Cash dividends | $750,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,266,000 | 3,339 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,466,000 | 4,093 |
| Total interest expense | $1,469,000 | 4,856 |
| Net interest income | $2,997,000 | 3,537 |
| Provision for loan and lease losses | $-93,000 | 8,468 |
| Total noninterest income | $156,000 | 6,062 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $39,000 | 6,398 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $117,000 | 4,803 |
| Total noninterest expense | $1,915,000 | 4,245 |
| Salaries and employee benefits | $1,101,000 | 4,097 |
| Premises and equipment expense | $218,000 | 4,763 |
| Additional noninterest expense | $596,000 | 4,030 |
| Pre-tax net operating income | $1,331,000 | 2,905 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $458,000 | 2,191 |
| Income before extraordinary items | $873,000 | 3,323 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $873,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,040 |
| Cash dividends | $500,000 | 2,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $873,000 | 3,304 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,189,000 | 4,140 |
| Total interest expense | $714,000 | 4,916 |
| Net interest income | $1,475,000 | 3,580 |
| Provision for loan and lease losses | $-93,000 | 8,541 |
| Total noninterest income | $67,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $18,000 | 6,477 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $49,000 | 5,151 |
| Total noninterest expense | $967,000 | 4,241 |
| Salaries and employee benefits | $555,000 | 4,108 |
| Premises and equipment expense | $104,000 | 4,929 |
| Additional noninterest expense | $308,000 | 3,897 |
| Pre-tax net operating income | $668,000 | 2,896 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $230,000 | 2,201 |
| Income before extraordinary items | $438,000 | 3,295 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $438,000 | 3,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $250,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $438,000 | 3,269 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,256,000 | 4,118 |
| Total interest expense | $1,823,000 | 5,658 |
| Net interest income | $6,433,000 | 3,335 |
| Provision for loan and lease losses | $-287,000 | 8,563 |
| Total noninterest income | $258,000 | 6,479 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $86,000 | 6,341 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $172,000 | 5,383 |
| Total noninterest expense | $3,687,000 | 4,227 |
| Salaries and employee benefits | $2,069,000 | 4,165 |
| Premises and equipment expense | $444,000 | 4,606 |
| Additional noninterest expense | $1,174,000 | 3,998 |
| Pre-tax net operating income | $3,291,000 | 2,610 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,129,000 | 2,030 |
| Income before extraordinary items | $2,162,000 | 2,935 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,162,000 | 2,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,421 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,162,000 | 2,925 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,109,000 | 4,128 |
| Total interest expense | $1,274,000 | 5,770 |
| Net interest income | $4,835,000 | 3,353 |
| Provision for loan and lease losses | $-166,000 | 8,610 |
| Total noninterest income | $201,000 | 6,447 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $66,000 | 6,390 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $135,000 | 5,319 |
| Total noninterest expense | $2,721,000 | 4,265 |
| Salaries and employee benefits | $1,505,000 | 4,222 |
| Premises and equipment expense | $346,000 | 4,492 |
| Additional noninterest expense | $870,000 | 4,017 |
| Pre-tax net operating income | $2,481,000 | 2,670 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $851,000 | 2,108 |
| Income before extraordinary items | $1,630,000 | 3,013 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,630,000 | 3,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 8,508 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,630,000 | 3,004 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,970,000 | 4,157 |
| Total interest expense | $776,000 | 5,888 |
| Net interest income | $3,194,000 | 3,394 |
| Provision for loan and lease losses | $-92,000 | 8,622 |
| Total noninterest income | $145,000 | 6,291 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $102,000 | 5,085 |
| Total noninterest expense | $1,823,000 | 4,256 |
| Salaries and employee benefits | $999,000 | 4,261 |
| Premises and equipment expense | $236,000 | 4,434 |
| Additional noninterest expense | $588,000 | 3,978 |
| Pre-tax net operating income | $1,608,000 | 2,737 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $552,000 | 2,168 |
| Income before extraordinary items | $1,056,000 | 3,087 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,056,000 | 3,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,492 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,056,000 | 3,076 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 4,214 |
| Total interest expense | $356,000 | 5,999 |
| Net interest income | $1,561,000 | 3,433 |
| Provision for loan and lease losses | $-7,000 | 8,540 |
| Total noninterest income | $63,000 | 6,543 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $21,000 | 6,441 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,444 |
| Total noninterest expense | $923,000 | 4,236 |
| Salaries and employee benefits | $526,000 | 4,145 |
| Premises and equipment expense | $126,000 | 4,273 |
| Additional noninterest expense | $271,000 | 4,222 |
| Pre-tax net operating income | $708,000 | 2,954 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $243,000 | 2,317 |
| Income before extraordinary items | $465,000 | 3,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $465,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,530 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $465,000 | 3,322 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,910,000 | 4,188 |
| Total interest expense | $1,405,000 | 5,401 |
| Net interest income | $5,505,000 | 3,680 |
| Provision for loan and lease losses | $-527,000 | 8,752 |
| Total noninterest income | $500,000 | 5,246 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $82,000 | 6,555 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $418,000 | 3,701 |
| Total noninterest expense | $3,708,000 | 4,098 |
| Salaries and employee benefits | $1,972,000 | 4,158 |
| Premises and equipment expense | $500,000 | 4,174 |
| Additional noninterest expense | $1,236,000 | 3,781 |
| Pre-tax net operating income | $2,824,000 | 2,900 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $968,000 | 2,306 |
| Income before extraordinary items | $1,856,000 | 3,280 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,856,000 | 3,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-113,000 | 8,645 |
| Cash dividends | $2,900,000 | 1,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,856,000 | 3,250 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,925,000 | 4,290 |
| Total interest expense | $999,000 | 5,432 |
| Net interest income | $3,926,000 | 3,822 |
| Provision for loan and lease losses | $-352,000 | 8,769 |
| Total noninterest income | $277,000 | 5,946 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 6,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $215,000 | 4,440 |
| Total noninterest expense | $2,728,000 | 4,123 |
| Salaries and employee benefits | $1,472,000 | 4,155 |
| Premises and equipment expense | $377,000 | 4,149 |
| Additional noninterest expense | $879,000 | 3,887 |
| Pre-tax net operating income | $1,827,000 | 3,265 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $627,000 | 2,567 |
| Income before extraordinary items | $1,200,000 | 3,667 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,200,000 | 3,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-88,000 | 8,607 |
| Cash dividends | $2,800,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,200,000 | 3,633 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,080,000 | 4,436 |
| Total interest expense | $590,000 | 5,606 |
| Net interest income | $2,490,000 | 3,933 |
| Provision for loan and lease losses | $-199,000 | 8,762 |
| Total noninterest income | $201,000 | 5,719 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $41,000 | 6,574 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $160,000 | 4,177 |
| Total noninterest expense | $1,800,000 | 4,146 |
| Salaries and employee benefits | $943,000 | 4,266 |
| Premises and equipment expense | $254,000 | 4,103 |
| Additional noninterest expense | $603,000 | 3,790 |
| Pre-tax net operating income | $1,090,000 | 3,497 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $375,000 | 2,714 |
| Income before extraordinary items | $715,000 | 3,936 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $715,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,493 |
| Cash dividends | $2,000,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $715,000 | 3,885 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,462,000 | 4,568 |
| Total interest expense | $283,000 | 5,638 |
| Net interest income | $1,179,000 | 4,114 |
| Provision for loan and lease losses | $-141,000 | 8,847 |
| Total noninterest income | $82,000 | 6,117 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,644 |
| Total noninterest expense | $888,000 | 4,216 |
| Salaries and employee benefits | $460,000 | 4,365 |
| Premises and equipment expense | $127,000 | 4,141 |
| Additional noninterest expense | $301,000 | 3,795 |
| Pre-tax net operating income | $514,000 | 3,600 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $177,000 | 2,793 |
| Income before extraordinary items | $337,000 | 4,057 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $337,000 | 4,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,445 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $337,000 | 4,017 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,686,000 | 4,429 |
| Total interest expense | $1,194,000 | 5,135 |
| Net interest income | $4,492,000 | 4,127 |
| Provision for loan and lease losses | $166,000 | 4,073 |
| Total noninterest income | $331,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $124,000 | 6,118 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $207,000 | 5,043 |
| Total noninterest expense | $3,427,000 | 4,247 |
| Salaries and employee benefits | $1,804,000 | 4,335 |
| Premises and equipment expense | $507,000 | 4,045 |
| Additional noninterest expense | $1,116,000 | 3,977 |
| Pre-tax net operating income | $1,230,000 | 4,733 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $424,000 | 3,626 |
| Income before extraordinary items | $806,000 | 5,251 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $806,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $806,000 | 5,178 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,198,000 | 4,459 |
| Total interest expense | $901,000 | 5,083 |
| Net interest income | $3,297,000 | 4,171 |
| Provision for loan and lease losses | $366,000 | 1,913 |
| Total noninterest income | $263,000 | 6,104 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $101,000 | 6,037 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $162,000 | 4,955 |
| Total noninterest expense | $2,645,000 | 4,120 |
| Salaries and employee benefits | $1,381,000 | 4,238 |
| Premises and equipment expense | $381,000 | 4,015 |
| Additional noninterest expense | $883,000 | 3,782 |
| Pre-tax net operating income | $549,000 | 6,103 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $191,000 | 4,508 |
| Income before extraordinary items | $358,000 | 6,566 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $358,000 | 6,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,210 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $358,000 | 6,494 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 4,520 |
| Total interest expense | $613,000 | 5,045 |
| Net interest income | $2,138,000 | 4,278 |
| Provision for loan and lease losses | $365,000 | 1,324 |
| Total noninterest income | $198,000 | 5,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $73,000 | 5,890 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $125,000 | 4,692 |
| Total noninterest expense | $1,797,000 | 4,080 |
| Salaries and employee benefits | $949,000 | 4,137 |
| Premises and equipment expense | $257,000 | 3,989 |
| Additional noninterest expense | $591,000 | 3,793 |
| Pre-tax net operating income | $174,000 | 7,386 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $62,000 | 5,405 |
| Income before extraordinary items | $112,000 | 7,661 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $112,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 818 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $112,000 | 7,590 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 4,499 |
| Total interest expense | $314,000 | 5,031 |
| Net interest income | $1,080,000 | 4,244 |
| Provision for loan and lease losses | $364,000 | 692 |
| Total noninterest income | $84,000 | 6,172 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $37,000 | 5,836 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $47,000 | 5,234 |
| Total noninterest expense | $889,000 | 4,129 |
| Salaries and employee benefits | $466,000 | 4,240 |
| Premises and equipment expense | $130,000 | 3,989 |
| Additional noninterest expense | $293,000 | 3,808 |
| Pre-tax net operating income | $-89,000 | 8,782 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-29,000 | 8,930 |
| Income before extraordinary items | $-60,000 | 8,774 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-60,000 | 8,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 978 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-60,000 | 8,741 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,339,000 | 4,139 |
| Total interest expense | $1,565,000 | 4,754 |
| Net interest income | $4,774,000 | 3,815 |
| Provision for loan and lease losses | $2,036,000 | 639 |
| Total noninterest income | $476,000 | 5,561 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $261,000 | 4,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $215,000 | 5,141 |
| Total noninterest expense | $3,310,000 | 4,304 |
| Salaries and employee benefits | $1,702,000 | 4,439 |
| Premises and equipment expense | $447,000 | 4,389 |
| Additional noninterest expense | $1,161,000 | 3,823 |
| Pre-tax net operating income | $-96,000 | 8,639 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $-26,000 | 8,824 |
| Income before extraordinary items | $-69,000 | 8,701 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-69,000 | 8,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,427,000 | 704 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $756,000 | 452 |
| Net operating income | $-69,730 | 8,627 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 4,058 |
| Total interest expense | $1,222,000 | 4,758 |
| Net interest income | $3,716,000 | 3,726 |
| Provision for loan and lease losses | $2,036,000 | 528 |
| Total noninterest income | $371,000 | 5,494 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $212,000 | 4,456 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,224 |
| Total noninterest expense | $2,522,000 | 4,238 |
| Salaries and employee benefits | $1,332,000 | 4,292 |
| Premises and equipment expense | $319,000 | 4,534 |
| Additional noninterest expense | $871,000 | 3,800 |
| Pre-tax net operating income | $-471,000 | 8,945 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $-155,000 | 9,096 |
| Income before extraordinary items | $-315,000 | 8,957 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-315,000 | 8,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $660,000 | 945 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $755,000 | 336 |
| Net operating income | $-315,670 | 8,889 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,351,000 | 4,054 |
| Total interest expense | $868,000 | 4,680 |
| Net interest income | $2,483,000 | 3,721 |
| Provision for loan and lease losses | $1,135,000 | 591 |
| Total noninterest income | $274,000 | 5,225 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $164,000 | 4,092 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $110,000 | 5,154 |
| Total noninterest expense | $1,632,000 | 4,329 |
| Salaries and employee benefits | $851,000 | 4,428 |
| Premises and equipment expense | $204,000 | 4,643 |
| Additional noninterest expense | $577,000 | 3,824 |
| Pre-tax net operating income | $-10,000 | 8,707 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-9,000 | 8,795 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-9,000 | 8,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,022 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 290 |
| Net operating income | $-10,000 | 8,691 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,619,000 | 4,190 |
| Total interest expense | $446,000 | 4,694 |
| Net interest income | $1,173,000 | 3,895 |
| Provision for loan and lease losses | $745,000 | 475 |
| Total noninterest income | $140,000 | 5,063 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $100,000 | 3,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $40,000 | 5,700 |
| Total noninterest expense | $726,000 | 4,674 |
| Salaries and employee benefits | $381,000 | 4,785 |
| Premises and equipment expense | $98,000 | 4,773 |
| Additional noninterest expense | $247,000 | 4,254 |
| Pre-tax net operating income | $-158,000 | 9,046 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-52,000 | 9,183 |
| Income before extraordinary items | $-106,000 | 9,038 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-106,000 | 9,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,365 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-106,000 | 8,967 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,215,000 | 4,445 |
| Total interest expense | $1,957,000 | 4,857 |
| Net interest income | $4,258,000 | 4,148 |
| Provision for loan and lease losses | $1,955,000 | 751 |
| Total noninterest income | $480,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $411,000 | 3,472 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 7,112 |
| Total noninterest expense | $2,546,000 | 5,022 |
| Salaries and employee benefits | $1,254,000 | 5,327 |
| Premises and equipment expense | $367,000 | 4,949 |
| Additional noninterest expense | $925,000 | 4,446 |
| Pre-tax net operating income | $237,000 | 7,797 |
| Securities gains (losses) | $22,000 | 3,078 |
| Applicable income taxes | $90,000 | 6,057 |
| Income before extraordinary items | $169,000 | 7,995 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $169,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,760,000 | 610 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $154,700 | 7,961 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,455,000 | 5,318 |
| Total interest expense | $2,323,000 | 5,626 |
| Net interest income | $3,132,000 | 4,910 |
| Provision for loan and lease losses | $422,000 | 2,501 |
| Total noninterest income | $316,000 | 6,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $304,000 | 4,133 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $1,950,000 | 5,836 |
| Salaries and employee benefits | $935,000 | 6,219 |
| Premises and equipment expense | $246,000 | 6,136 |
| Additional noninterest expense | $769,000 | 4,923 |
| Pre-tax net operating income | $1,076,000 | 4,703 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $367,000 | 3,902 |
| Income before extraordinary items | $709,000 | 5,192 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $709,000 | 5,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $709,000 | 5,082 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,102,000 | 7,307 |
| Total interest expense | $1,097,000 | 8,017 |
| Net interest income | $2,005,000 | 6,547 |
| Provision for loan and lease losses | $430,000 | 2,132 |
| Total noninterest income | $78,000 | 8,912 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,226 |
| Total noninterest expense | $1,367,000 | 7,075 |
| Salaries and employee benefits | $599,000 | 7,705 |
| Premises and equipment expense | $211,000 | 6,596 |
| Additional noninterest expense | $557,000 | 6,027 |
| Pre-tax net operating income | $286,000 | 7,960 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $286,000 | 7,553 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $286,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $286,000 | 7,559 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $113,000 | 10,175 |
| Total interest expense | $8,000 | 10,178 |
| Net interest income | $105,000 | 10,149 |
| Provision for loan and lease losses | $156,000 | 4,165 |
| Total noninterest income | $1,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $359,000 | 9,963 |
| Salaries and employee benefits | $68,000 | 10,174 |
| Premises and equipment expense | $6,000 | 10,172 |
| Additional noninterest expense | $285,000 | 8,244 |
| Pre-tax net operating income | $-409,000 | 9,784 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-409,000 | 9,848 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-409,000 | 9,845 |
| 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 | $8,000,000 | 123 |
| Net operating income | $-409,000 | 9,827 |
* 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.