Home > Regal Financial Bank > Income and Expense
Regal Financial Bank, Income and Expense
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 4,527 |
| Total interest expense | $355,000 | 4,185 |
| Net interest income | $2,631,000 | 4,511 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $921,000 | 2,820 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $23,000 | 6,070 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $898,000 | 2,089 |
| Total noninterest expense | $3,308,000 | 3,611 |
| Salaries and employee benefits | $1,706,000 | 3,732 |
| Premises and equipment expense | $412,000 | 3,471 |
| Additional noninterest expense | $1,190,000 | 3,431 |
| Pre-tax net operating income | $244,000 | 5,509 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $-10,000 | 6,292 |
| Income before extraordinary items | $254,000 | 5,384 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $254,000 | 5,384 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $254,000 | 5,386 |
| Net charge-offs | $-51,000 | 6,046 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $254,000 | 5,344 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,990,000 | 4,534 |
| Total interest expense | $240,000 | 4,196 |
| Net interest income | $1,750,000 | 4,514 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $707,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $15,000 | 6,119 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $692,000 | 1,859 |
| Total noninterest expense | $2,128,000 | 3,714 |
| Salaries and employee benefits | $1,161,000 | 3,689 |
| Premises and equipment expense | $279,000 | 3,466 |
| Additional noninterest expense | $688,000 | 3,775 |
| Pre-tax net operating income | $329,000 | 4,783 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $-10,000 | 6,380 |
| Income before extraordinary items | $339,000 | 4,546 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $339,000 | 4,549 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $339,000 | 4,550 |
| Net charge-offs | $-56,000 | 6,176 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $339,000 | 4,497 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $993,000 | 4,582 |
| Total interest expense | $120,000 | 4,260 |
| Net interest income | $873,000 | 4,559 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $129,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $7,000 | 6,191 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $122,000 | 3,285 |
| Total noninterest expense | $994,000 | 3,917 |
| Salaries and employee benefits | $567,000 | 3,789 |
| Premises and equipment expense | $140,000 | 3,502 |
| Additional noninterest expense | $287,000 | 4,200 |
| Pre-tax net operating income | $8,000 | 6,136 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $8,000 | 6,156 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $8,000 | 6,156 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $8,000 | 6,157 |
| Net charge-offs | $-39,000 | 6,242 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $8,000 | 6,140 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,890,000 | 4,684 |
| Total interest expense | $467,000 | 4,613 |
| Net interest income | $3,423,000 | 4,657 |
| Provision for loan and lease losses | $1,879,000 | 654 |
| Total noninterest income | $380,000 | 4,812 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $28,000 | 6,314 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $352,000 | 3,865 |
| Total noninterest expense | $4,686,000 | 3,567 |
| Salaries and employee benefits | $2,409,000 | 3,631 |
| Premises and equipment expense | $600,000 | 3,313 |
| Additional noninterest expense | $1,677,000 | 3,379 |
| Pre-tax net operating income | $-2,762,000 | 6,705 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-2,762,000 | 6,712 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,762,000 | 6,712 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-2,762,000 | 6,712 |
| Net charge-offs | $2,069,000 | 730 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $225,000 | 408 |
| Net operating income | $-2,762,000 | 6,707 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 4,645 |
| Total interest expense | $342,000 | 4,747 |
| Net interest income | $2,682,000 | 4,576 |
| Provision for loan and lease losses | $1,595,000 | 612 |
| Total noninterest income | $254,000 | 5,059 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $21,000 | 6,389 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $233,000 | 4,115 |
| Total noninterest expense | $3,397,000 | 3,652 |
| Salaries and employee benefits | $1,779,000 | 3,686 |
| Premises and equipment expense | $462,000 | 3,289 |
| Additional noninterest expense | $1,156,000 | 3,590 |
| Pre-tax net operating income | $-2,056,000 | 6,794 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-2,056,000 | 6,801 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-2,056,000 | 6,802 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,056,000 | 6,802 |
| Net charge-offs | $1,492,000 | 741 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 605 |
| Net operating income | $-2,056,000 | 6,795 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,998,000 | 4,684 |
| Total interest expense | $226,000 | 4,822 |
| Net interest income | $1,772,000 | 4,614 |
| Provision for loan and lease losses | $627,000 | 952 |
| Total noninterest income | $166,000 | 5,109 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $13,000 | 6,447 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $153,000 | 4,185 |
| Total noninterest expense | $2,059,000 | 3,897 |
| Salaries and employee benefits | $1,144,000 | 3,788 |
| Premises and equipment expense | $309,000 | 3,293 |
| Additional noninterest expense | $606,000 | 4,163 |
| Pre-tax net operating income | $-748,000 | 6,747 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-748,000 | 6,769 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-748,000 | 6,771 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-748,000 | 6,770 |
| Net charge-offs | $628,000 | 1,068 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 508 |
| Net operating income | $-748,000 | 6,754 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 5,006 |
| Total interest expense | $116,000 | 4,854 |
| Net interest income | $768,000 | 4,950 |
| Provision for loan and lease losses | $-158,000 | 6,876 |
| Total noninterest income | $123,000 | 4,517 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $6,000 | 6,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $117,000 | 3,543 |
| Total noninterest expense | $1,067,000 | 3,837 |
| Salaries and employee benefits | $563,000 | 3,867 |
| Premises and equipment expense | $163,000 | 3,192 |
| Additional noninterest expense | $341,000 | 3,914 |
| Pre-tax net operating income | $-18,000 | 6,437 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-18,000 | 6,501 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-18,000 | 6,502 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-18,000 | 6,502 |
| Net charge-offs | $-529,000 | 6,980 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 366 |
| Net operating income | $-18,000 | 6,448 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,026,000 | 4,852 |
| Total interest expense | $599,000 | 4,755 |
| Net interest income | $3,427,000 | 4,805 |
| Provision for loan and lease losses | $-160,000 | 6,914 |
| Total noninterest income | $991,000 | 3,272 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $23,000 | 6,627 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $968,000 | 2,415 |
| Total noninterest expense | $4,195,000 | 3,901 |
| Salaries and employee benefits | $2,005,000 | 4,127 |
| Premises and equipment expense | $687,000 | 3,073 |
| Additional noninterest expense | $1,503,000 | 3,784 |
| Pre-tax net operating income | $383,000 | 5,199 |
| Securities gains (losses) | $158,000 | 1,893 |
| Applicable income taxes | $9,000 | 4,412 |
| Income before extraordinary items | $532,000 | 4,850 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $532,000 | 4,851 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $532,000 | 4,852 |
| Net charge-offs | $794,000 | 2,063 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $7,273,000 | 57 |
| Net operating income | $377,160 | 5,066 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 4,916 |
| Total interest expense | $480,000 | 4,737 |
| Net interest income | $2,577,000 | 4,874 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $795,000 | 3,170 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $18,000 | 6,699 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $777,000 | 2,309 |
| Total noninterest expense | $2,955,000 | 4,101 |
| Salaries and employee benefits | $1,312,000 | 4,488 |
| Premises and equipment expense | $515,000 | 3,102 |
| Additional noninterest expense | $1,128,000 | 3,804 |
| Pre-tax net operating income | $417,000 | 4,935 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $9,000 | 4,404 |
| Income before extraordinary items | $408,000 | 4,956 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $408,000 | 4,957 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $408,000 | 4,957 |
| Net charge-offs | $796,000 | 1,681 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $5,747,000 | 48 |
| Net operating income | $408,000 | 4,781 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 4,888 |
| Total interest expense | $343,000 | 4,689 |
| Net interest income | $1,744,000 | 4,861 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $405,000 | 3,642 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $13,000 | 6,711 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $392,000 | 2,678 |
| Total noninterest expense | $1,872,000 | 4,248 |
| Salaries and employee benefits | $805,000 | 4,718 |
| Premises and equipment expense | $351,000 | 3,049 |
| Additional noninterest expense | $716,000 | 3,923 |
| Pre-tax net operating income | $277,000 | 4,941 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $9,000 | 4,267 |
| Income before extraordinary items | $268,000 | 4,965 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $268,000 | 4,969 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $268,000 | 4,969 |
| Net charge-offs | $410,000 | 1,973 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $1,400,000 | 99 |
| Net operating income | $268,000 | 4,772 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,037,000 | 4,954 |
| Total interest expense | $188,000 | 4,587 |
| Net interest income | $849,000 | 4,955 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $309,000 | 2,900 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $7,000 | 6,711 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $302,000 | 2,092 |
| Total noninterest expense | $946,000 | 4,242 |
| Salaries and employee benefits | $388,000 | 4,846 |
| Premises and equipment expense | $177,000 | 3,067 |
| Additional noninterest expense | $381,000 | 3,761 |
| Pre-tax net operating income | $212,000 | 4,428 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $9,000 | 4,034 |
| Income before extraordinary items | $203,000 | 4,357 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $203,000 | 4,359 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $203,000 | 4,360 |
| Net charge-offs | $150,000 | 2,085 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $203,000 | 4,199 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,661,000 | 4,743 |
| Total interest expense | $1,236,000 | 3,892 |
| Net interest income | $3,425,000 | 4,954 |
| Provision for loan and lease losses | $2,294,000 | 1,425 |
| Total noninterest income | $-529,000 | 7,195 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $17,000 | 6,773 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-546,000 | 7,104 |
| Total noninterest expense | $5,463,000 | 3,299 |
| Salaries and employee benefits | $2,201,000 | 3,902 |
| Premises and equipment expense | $639,000 | 3,413 |
| Additional noninterest expense | $2,623,000 | 2,498 |
| Pre-tax net operating income | $-4,861,000 | 7,051 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-4,861,000 | 7,061 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,861,000 | 7,060 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,861,000 | 7,061 |
| Net charge-offs | $2,441,000 | 1,378 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-4,861,000 | 7,052 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,508,000 | 4,787 |
| Total interest expense | $991,000 | 3,855 |
| Net interest income | $2,517,000 | 5,043 |
| Provision for loan and lease losses | $1,261,000 | 1,695 |
| Total noninterest income | $-100,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $13,000 | 6,817 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-113,000 | 7,071 |
| Total noninterest expense | $3,354,000 | 3,833 |
| Salaries and employee benefits | $1,414,000 | 4,319 |
| Premises and equipment expense | $468,000 | 3,513 |
| Additional noninterest expense | $1,472,000 | 3,203 |
| Pre-tax net operating income | $-2,198,000 | 7,024 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,198,000 | 7,081 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,198,000 | 7,082 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,198,000 | 7,082 |
| Net charge-offs | $1,960,000 | 1,242 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,198,000 | 7,064 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,345,000 | 4,832 |
| Total interest expense | $710,000 | 3,775 |
| Net interest income | $1,635,000 | 5,122 |
| Provision for loan and lease losses | $1,261,000 | 1,291 |
| Total noninterest income | $56,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $9,000 | 6,846 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $47,000 | 5,521 |
| Total noninterest expense | $2,614,000 | 3,461 |
| Salaries and employee benefits | $954,000 | 4,324 |
| Premises and equipment expense | $304,000 | 3,610 |
| Additional noninterest expense | $1,356,000 | 2,467 |
| Pre-tax net operating income | $-2,184,000 | 7,194 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,184,000 | 7,228 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,184,000 | 7,229 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,184,000 | 7,229 |
| Net charge-offs | $150,000 | 3,408 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,184,000 | 7,216 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,179,000 | 4,854 |
| Total interest expense | $378,000 | 3,734 |
| Net interest income | $801,000 | 5,172 |
| Provision for loan and lease losses | $195,000 | 2,476 |
| Total noninterest income | $28,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $1,000 | 7,020 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 5,504 |
| Total noninterest expense | $1,070,000 | 4,013 |
| Salaries and employee benefits | $487,000 | 4,308 |
| Premises and equipment expense | $186,000 | 3,166 |
| Additional noninterest expense | $397,000 | 3,748 |
| Pre-tax net operating income | $-436,000 | 7,051 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-436,000 | 7,095 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-436,000 | 7,096 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-436,000 | 7,096 |
| Net charge-offs | $195,000 | 2,141 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-436,000 | 7,087 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,803,000 | 4,420 |
| Total interest expense | $2,105,000 | 3,430 |
| Net interest income | $3,698,000 | 4,803 |
| Provision for loan and lease losses | $2,054,000 | 2,033 |
| Total noninterest income | $-1,086,000 | 7,550 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,598 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,108,000 | 7,501 |
| Total noninterest expense | $6,573,000 | 2,878 |
| Salaries and employee benefits | $2,189,000 | 3,975 |
| Premises and equipment expense | $1,586,000 | 1,617 |
| Additional noninterest expense | $2,798,000 | 2,424 |
| Pre-tax net operating income | $-6,015,000 | 7,184 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,015,000 | 7,241 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,015,000 | 7,241 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,015,000 | 7,241 |
| Net charge-offs | $3,614,000 | 1,304 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-6,015,000 | 7,220 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,622,000 | 4,329 |
| Total interest expense | $1,678,000 | 3,386 |
| Net interest income | $2,944,000 | 4,697 |
| Provision for loan and lease losses | $1,786,000 | 1,786 |
| Total noninterest income | $-1,660,000 | 7,720 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $18,000 | 6,678 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,678,000 | 7,695 |
| Total noninterest expense | $4,018,000 | 3,397 |
| Salaries and employee benefits | $1,551,000 | 4,162 |
| Premises and equipment expense | $913,000 | 2,098 |
| Additional noninterest expense | $1,554,000 | 3,114 |
| Pre-tax net operating income | $-4,520,000 | 7,338 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-4,520,000 | 7,393 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,520,000 | 7,393 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,520,000 | 7,393 |
| Net charge-offs | $748,000 | 2,556 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-4,520,000 | 7,377 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 4,238 |
| Total interest expense | $1,217,000 | 3,268 |
| Net interest income | $1,993,000 | 4,666 |
| Provision for loan and lease losses | $1,786,000 | 1,368 |
| Total noninterest income | $115,000 | 5,891 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $13,000 | 6,697 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $102,000 | 4,616 |
| Total noninterest expense | $4,050,000 | 2,399 |
| Salaries and employee benefits | $1,046,000 | 4,171 |
| Premises and equipment expense | $605,000 | 2,137 |
| Additional noninterest expense | $2,399,000 | 1,478 |
| Pre-tax net operating income | $-3,728,000 | 7,467 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,728,000 | 7,503 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,728,000 | 7,503 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,728,000 | 7,504 |
| Net charge-offs | $595,000 | 2,249 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,728,000 | 7,500 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,605,000 | 4,318 |
| Total interest expense | $706,000 | 3,041 |
| Net interest income | $899,000 | 4,972 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $58,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $7,000 | 6,721 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $51,000 | 4,653 |
| Total noninterest expense | $1,267,000 | 3,609 |
| Salaries and employee benefits | $546,000 | 4,091 |
| Premises and equipment expense | $311,000 | 2,142 |
| Additional noninterest expense | $410,000 | 3,737 |
| Pre-tax net operating income | $-310,000 | 6,982 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-310,000 | 7,091 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-310,000 | 7,092 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-310,000 | 7,091 |
| Net charge-offs | $459,000 | 1,637 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-310,000 | 7,051 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,504,000 | 3,999 |
| Total interest expense | $3,801,000 | 2,853 |
| Net interest income | $3,703,000 | 4,802 |
| Provision for loan and lease losses | $8,103,000 | 1,019 |
| Total noninterest income | $320,000 | 5,508 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $40,000 | 6,643 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $280,000 | 4,073 |
| Total noninterest expense | $5,615,000 | 3,350 |
| Salaries and employee benefits | $2,139,000 | 4,152 |
| Premises and equipment expense | $1,286,000 | 2,079 |
| Additional noninterest expense | $2,190,000 | 3,090 |
| Pre-tax net operating income | $-9,695,000 | 7,479 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-9,695,000 | 7,545 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,695,000 | 7,544 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,695,000 | 7,544 |
| Net charge-offs | $5,518,000 | 1,061 |
| Cash dividends | $205,000 | 3,615 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 1,177 |
| Net operating income | $-9,695,000 | 7,552 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,756,000 | 3,995 |
| Total interest expense | $2,981,000 | 2,876 |
| Net interest income | $2,775,000 | 4,812 |
| Provision for loan and lease losses | $5,716,000 | 955 |
| Total noninterest income | $251,000 | 5,510 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $33,000 | 6,608 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $218,000 | 4,145 |
| Total noninterest expense | $4,313,000 | 3,286 |
| Salaries and employee benefits | $1,750,000 | 3,933 |
| Premises and equipment expense | $980,000 | 2,059 |
| Additional noninterest expense | $1,583,000 | 3,147 |
| Pre-tax net operating income | $-7,003,000 | 7,623 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-7,003,000 | 7,689 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,003,000 | 7,688 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,003,000 | 7,688 |
| Net charge-offs | $3,842,000 | 1,004 |
| Cash dividends | $205,000 | 3,040 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,137 |
| Net operating income | $-7,003,000 | 7,695 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,812,000 | 4,040 |
| Total interest expense | $2,084,000 | 2,869 |
| Net interest income | $1,728,000 | 5,000 |
| Provision for loan and lease losses | $4,374,000 | 835 |
| Total noninterest income | $176,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $25,000 | 6,553 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $151,000 | 4,106 |
| Total noninterest expense | $3,185,000 | 3,060 |
| Salaries and employee benefits | $1,267,000 | 3,729 |
| Premises and equipment expense | $663,000 | 2,060 |
| Additional noninterest expense | $1,255,000 | 2,715 |
| Pre-tax net operating income | $-5,655,000 | 7,771 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-5,655,000 | 7,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,655,000 | 7,836 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,655,000 | 7,836 |
| Net charge-offs | $2,850,000 | 893 |
| Cash dividends | $205,000 | 2,637 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,056 |
| Net operating income | $-5,655,000 | 7,844 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 4,281 |
| Total interest expense | $1,014,000 | 3,016 |
| Net interest income | $751,000 | 5,399 |
| Provision for loan and lease losses | $4,276,000 | 444 |
| Total noninterest income | $81,000 | 5,555 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $14,000 | 6,456 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $67,000 | 4,324 |
| Total noninterest expense | $1,488,000 | 3,162 |
| Salaries and employee benefits | $660,000 | 3,652 |
| Premises and equipment expense | $336,000 | 2,075 |
| Additional noninterest expense | $492,000 | 3,050 |
| Pre-tax net operating income | $-4,932,000 | 8,025 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-4,932,000 | 8,058 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,932,000 | 8,058 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,932,000 | 8,058 |
| Net charge-offs | $840,000 | 1,057 |
| Cash dividends | $205,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 825 |
| Net operating income | $-4,932,000 | 8,057 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,940,000 | 3,536 |
| Total interest expense | $4,351,000 | 3,299 |
| Net interest income | $5,589,000 | 3,657 |
| Provision for loan and lease losses | $322,000 | 4,503 |
| Total noninterest income | $355,000 | 5,516 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $52,000 | 6,596 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $303,000 | 4,078 |
| Total noninterest expense | $5,436,000 | 3,336 |
| Salaries and employee benefits | $2,489,000 | 3,786 |
| Premises and equipment expense | $1,417,000 | 1,929 |
| Additional noninterest expense | $1,530,000 | 3,572 |
| Pre-tax net operating income | $186,000 | 5,793 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $186,000 | 5,535 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $186,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-201,000 | 8,265 |
| Cash dividends | $228,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $186,000 | 5,685 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,676,000 | 3,522 |
| Total interest expense | $3,380,000 | 3,316 |
| Net interest income | $4,296,000 | 3,622 |
| Provision for loan and lease losses | $458,000 | 2,863 |
| Total noninterest income | $275,000 | 5,536 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $40,000 | 6,643 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $235,000 | 4,139 |
| Total noninterest expense | $4,005,000 | 3,380 |
| Salaries and employee benefits | $1,856,000 | 3,832 |
| Premises and equipment expense | $1,071,000 | 1,902 |
| Additional noninterest expense | $1,078,000 | 3,667 |
| Pre-tax net operating income | $108,000 | 6,375 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $108,000 | 6,135 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $108,000 | 6,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $172,000 | 4,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $108,000 | 6,292 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,149,000 | 3,566 |
| Total interest expense | $2,352,000 | 3,337 |
| Net interest income | $2,797,000 | 3,672 |
| Provision for loan and lease losses | $293,000 | 2,601 |
| Total noninterest income | $191,000 | 5,524 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $29,000 | 6,599 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $162,000 | 4,175 |
| Total noninterest expense | $2,683,000 | 3,378 |
| Salaries and employee benefits | $1,228,000 | 3,896 |
| Premises and equipment expense | $750,000 | 1,825 |
| Additional noninterest expense | $705,000 | 3,705 |
| Pre-tax net operating income | $12,000 | 6,874 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $12,000 | 6,938 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,000 | 6,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $115,000 | 3,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $12,000 | 6,889 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,550,000 | 3,671 |
| Total interest expense | $1,246,000 | 3,363 |
| Net interest income | $1,304,000 | 3,859 |
| Provision for loan and lease losses | $218,000 | 1,739 |
| Total noninterest income | $86,000 | 5,731 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $6,000 | 7,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $80,000 | 4,198 |
| Total noninterest expense | $1,343,000 | 3,388 |
| Salaries and employee benefits | $625,000 | 3,856 |
| Premises and equipment expense | $385,000 | 1,781 |
| Additional noninterest expense | $333,000 | 3,805 |
| Pre-tax net operating income | $-171,000 | 7,703 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-171,000 | 7,788 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-171,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $57,000 | 3,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-171,000 | 7,752 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,140,000 | 3,742 |
| Total interest expense | $5,023,000 | 3,465 |
| Net interest income | $5,117,000 | 3,923 |
| Provision for loan and lease losses | $206,000 | 3,809 |
| Total noninterest income | $340,000 | 5,801 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $34,000 | 6,968 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $306,000 | 4,207 |
| Total noninterest expense | $4,954,000 | 3,458 |
| Salaries and employee benefits | $2,167,000 | 4,135 |
| Premises and equipment expense | $1,358,000 | 1,920 |
| Additional noninterest expense | $1,429,000 | 3,562 |
| Pre-tax net operating income | $297,000 | 6,607 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $297,000 | 6,443 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $297,000 | 6,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,344 |
| Cash dividends | $240,000 | 4,706 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 1,082 |
| Net operating income | $297,000 | 6,424 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,327,000 | 3,832 |
| Total interest expense | $3,591,000 | 3,572 |
| Net interest income | $3,736,000 | 4,021 |
| Provision for loan and lease losses | $178,000 | 3,234 |
| Total noninterest income | $271,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $26,000 | 6,996 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $245,000 | 4,127 |
| Total noninterest expense | $3,440,000 | 3,678 |
| Salaries and employee benefits | $1,570,000 | 4,231 |
| Premises and equipment expense | $969,000 | 1,999 |
| Additional noninterest expense | $901,000 | 4,009 |
| Pre-tax net operating income | $389,000 | 6,207 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $389,000 | 5,876 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $389,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,324 |
| Cash dividends | $186,000 | 4,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $389,000 | 5,857 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,637,000 | 3,996 |
| Total interest expense | $2,242,000 | 3,736 |
| Net interest income | $2,395,000 | 4,171 |
| Provision for loan and lease losses | $85,000 | 3,599 |
| Total noninterest income | $176,000 | 5,837 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $15,000 | 7,097 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $161,000 | 4,188 |
| Total noninterest expense | $2,239,000 | 3,784 |
| Salaries and employee benefits | $1,050,000 | 4,261 |
| Premises and equipment expense | $634,000 | 2,048 |
| Additional noninterest expense | $555,000 | 4,247 |
| Pre-tax net operating income | $247,000 | 6,375 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $247,000 | 6,041 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $247,000 | 6,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $124,000 | 4,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $247,000 | 6,023 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 4,056 |
| Total interest expense | $1,094,000 | 3,778 |
| Net interest income | $1,170,000 | 4,246 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $71,000 | 6,205 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $8,000 | 7,097 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $63,000 | 4,645 |
| Total noninterest expense | $1,080,000 | 3,890 |
| Salaries and employee benefits | $518,000 | 4,319 |
| Premises and equipment expense | $313,000 | 2,079 |
| Additional noninterest expense | $249,000 | 4,551 |
| Pre-tax net operating income | $161,000 | 5,928 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $161,000 | 5,516 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $161,000 | 5,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $161,000 | 5,498 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,588,000 | 4,010 |
| Total interest expense | $4,150,000 | 3,512 |
| Net interest income | $4,438,000 | 4,380 |
| Provision for loan and lease losses | $1,405,000 | 745 |
| Total noninterest income | $313,000 | 6,091 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $38,000 | 7,061 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $275,000 | 4,475 |
| Total noninterest expense | $4,387,000 | 3,697 |
| Salaries and employee benefits | $1,940,000 | 4,384 |
| Premises and equipment expense | $1,230,000 | 2,032 |
| Additional noninterest expense | $1,217,000 | 3,887 |
| Pre-tax net operating income | $-1,041,000 | 8,431 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $11,000 | 6,128 |
| Income before extraordinary items | $-1,052,000 | 8,473 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,052,000 | 8,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,500,000 | 486 |
| Cash dividends | $204,000 | 4,903 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 1,042 |
| Net operating income | $-1,052,000 | 8,461 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,340,000 | 4,019 |
| Total interest expense | $3,018,000 | 3,499 |
| Net interest income | $3,322,000 | 4,421 |
| Provision for loan and lease losses | $298,000 | 2,170 |
| Total noninterest income | $236,000 | 6,145 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $27,000 | 7,176 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $209,000 | 4,447 |
| Total noninterest expense | $3,159,000 | 3,823 |
| Salaries and employee benefits | $1,492,000 | 4,250 |
| Premises and equipment expense | $898,000 | 2,090 |
| Additional noninterest expense | $769,000 | 4,397 |
| Pre-tax net operating income | $101,000 | 7,805 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $101,000 | 7,719 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $101,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $500,000 | 801 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $101,000 | 7,718 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,026,000 | 4,104 |
| Total interest expense | $1,880,000 | 3,561 |
| Net interest income | $2,146,000 | 4,510 |
| Provision for loan and lease losses | $148,000 | 2,699 |
| Total noninterest income | $108,000 | 6,854 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $17,000 | 7,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 5,325 |
| Total noninterest expense | $2,057,000 | 3,932 |
| Salaries and employee benefits | $973,000 | 4,351 |
| Premises and equipment expense | $591,000 | 2,107 |
| Additional noninterest expense | $493,000 | 4,530 |
| Pre-tax net operating income | $49,000 | 7,965 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $49,000 | 7,912 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $49,000 | 7,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $49,000 | 7,919 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 4,209 |
| Total interest expense | $872,000 | 3,623 |
| Net interest income | $1,047,000 | 4,581 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $53,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $9,000 | 7,226 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,355 |
| Total noninterest expense | $955,000 | 4,141 |
| Salaries and employee benefits | $469,000 | 4,486 |
| Premises and equipment expense | $296,000 | 2,129 |
| Additional noninterest expense | $190,000 | 5,347 |
| Pre-tax net operating income | $55,000 | 7,632 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $55,000 | 7,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $55,000 | 7,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $55,000 | 7,461 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,511,000 | 4,377 |
| Total interest expense | $2,543,000 | 3,779 |
| Net interest income | $3,968,000 | 4,648 |
| Provision for loan and lease losses | $792,000 | 1,278 |
| Total noninterest income | $319,000 | 6,211 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $43,000 | 7,182 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $276,000 | 4,527 |
| Total noninterest expense | $3,590,000 | 4,209 |
| Salaries and employee benefits | $1,769,000 | 4,531 |
| Premises and equipment expense | $809,000 | 2,868 |
| Additional noninterest expense | $1,012,000 | 4,386 |
| Pre-tax net operating income | $-95,000 | 8,332 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-95,000 | 8,360 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-95,000 | 8,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 1,421 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-95,000 | 8,333 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,773,000 | 4,400 |
| Total interest expense | $1,802,000 | 3,793 |
| Net interest income | $2,971,000 | 4,677 |
| Provision for loan and lease losses | $38,000 | 5,602 |
| Total noninterest income | $203,000 | 6,563 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 7,220 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $170,000 | 4,956 |
| Total noninterest expense | $2,570,000 | 4,328 |
| Salaries and employee benefits | $1,345,000 | 4,463 |
| Premises and equipment expense | $551,000 | 3,086 |
| Additional noninterest expense | $674,000 | 4,746 |
| Pre-tax net operating income | $566,000 | 6,149 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $566,000 | 5,602 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $566,000 | 5,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,341 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $566,000 | 5,565 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 4,422 |
| Total interest expense | $1,054,000 | 3,984 |
| Net interest income | $2,037,000 | 4,556 |
| Provision for loan and lease losses | $38,000 | 4,924 |
| Total noninterest income | $146,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $22,000 | 7,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $1,709,000 | 4,321 |
| Salaries and employee benefits | $878,000 | 4,506 |
| Premises and equipment expense | $367,000 | 3,070 |
| Additional noninterest expense | $464,000 | 4,623 |
| Pre-tax net operating income | $436,000 | 5,770 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $436,000 | 5,230 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $436,000 | 5,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,582 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $436,000 | 5,183 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,435,000 | 4,614 |
| Total interest expense | $477,000 | 4,154 |
| Net interest income | $958,000 | 4,751 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $55,000 | 6,909 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,356 |
| Total noninterest expense | $807,000 | 4,536 |
| Salaries and employee benefits | $436,000 | 4,540 |
| Premises and equipment expense | $185,000 | 3,071 |
| Additional noninterest expense | $186,000 | 5,341 |
| Pre-tax net operating income | $181,000 | 6,182 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $181,000 | 5,658 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $181,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,639 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $181,000 | 5,623 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,277,000 | 5,348 |
| Total interest expense | $1,142,000 | 5,260 |
| Net interest income | $3,135,000 | 5,285 |
| Provision for loan and lease losses | $312,000 | 2,829 |
| Total noninterest income | $253,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $22,000 | 7,639 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $231,000 | 4,799 |
| Total noninterest expense | $2,786,000 | 4,916 |
| Salaries and employee benefits | $1,280,000 | 5,488 |
| Premises and equipment expense | $682,000 | 3,197 |
| Additional noninterest expense | $824,000 | 4,992 |
| Pre-tax net operating income | $290,000 | 7,474 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-11,000 | 8,584 |
| Income before extraordinary items | $301,000 | 7,226 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $301,000 | 7,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,645 |
| Cash dividends | $30,000 | 5,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $301,000 | 7,171 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 5,515 |
| Total interest expense | $794,000 | 5,465 |
| Net interest income | $2,241,000 | 5,418 |
| Provision for loan and lease losses | $197,000 | 3,018 |
| Total noninterest income | $181,000 | 6,873 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $13,000 | 7,737 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $168,000 | 4,870 |
| Total noninterest expense | $2,032,000 | 4,974 |
| Salaries and employee benefits | $926,000 | 5,576 |
| Premises and equipment expense | $510,000 | 3,204 |
| Additional noninterest expense | $596,000 | 5,073 |
| Pre-tax net operating income | $193,000 | 7,729 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $193,000 | 7,528 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $193,000 | 7,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,793 |
| Cash dividends | $30,000 | 5,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $193,000 | 7,470 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,920,000 | 5,682 |
| Total interest expense | $485,000 | 5,730 |
| Net interest income | $1,435,000 | 5,540 |
| Provision for loan and lease losses | $137,000 | 2,923 |
| Total noninterest income | $120,000 | 6,894 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $6,000 | 7,847 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $114,000 | 4,901 |
| Total noninterest expense | $1,310,000 | 5,112 |
| Salaries and employee benefits | $590,000 | 5,746 |
| Premises and equipment expense | $339,000 | 3,216 |
| Additional noninterest expense | $381,000 | 5,234 |
| Pre-tax net operating income | $108,000 | 7,861 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $108,000 | 7,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $108,000 | 7,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $108,000 | 7,635 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 5,838 |
| Total interest expense | $245,000 | 5,768 |
| Net interest income | $681,000 | 5,731 |
| Provision for loan and lease losses | $69,000 | 2,785 |
| Total noninterest income | $75,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $71,000 | 4,413 |
| Total noninterest expense | $647,000 | 5,183 |
| Salaries and employee benefits | $271,000 | 6,068 |
| Premises and equipment expense | $171,000 | 3,220 |
| Additional noninterest expense | $205,000 | 4,985 |
| Pre-tax net operating income | $40,000 | 8,049 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $40,000 | 7,965 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $40,000 | 7,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $40,000 | 7,901 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,033,000 | 6,480 |
| Total interest expense | $619,000 | 7,342 |
| Net interest income | $2,414,000 | 6,020 |
| Provision for loan and lease losses | $335,000 | 2,929 |
| Total noninterest income | $215,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $9,000 | 7,947 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $206,000 | 5,220 |
| Total noninterest expense | $2,289,000 | 5,547 |
| Salaries and employee benefits | $1,105,000 | 5,915 |
| Premises and equipment expense | $570,000 | 3,673 |
| Additional noninterest expense | $614,000 | 5,925 |
| Pre-tax net operating income | $5,000 | 8,507 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $5,000 | 8,605 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,000 | 8,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $5,091,000 | 186 |
| Net operating income | $5,000 | 8,518 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,065,000 | 6,866 |
| Total interest expense | $414,000 | 7,710 |
| Net interest income | $1,651,000 | 6,362 |
| Provision for loan and lease losses | $219,000 | 3,197 |
| Total noninterest income | $172,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $7,000 | 8,001 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $165,000 | 5,155 |
| Total noninterest expense | $1,669,000 | 5,608 |
| Salaries and employee benefits | $820,000 | 5,939 |
| Premises and equipment expense | $417,000 | 3,736 |
| Additional noninterest expense | $432,000 | 6,114 |
| Pre-tax net operating income | $-65,000 | 8,735 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-65,000 | 8,809 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-65,000 | 8,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,907,000 | 198 |
| Net operating income | $-65,000 | 8,735 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,221,000 | 7,243 |
| Total interest expense | $260,000 | 7,929 |
| Net interest income | $961,000 | 6,762 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $136,000 | 6,829 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $4,000 | 8,047 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $132,000 | 4,817 |
| Total noninterest expense | $1,108,000 | 5,617 |
| Salaries and employee benefits | $532,000 | 6,030 |
| Premises and equipment expense | $282,000 | 3,674 |
| Additional noninterest expense | $294,000 | 6,040 |
| Pre-tax net operating income | $-111,000 | 8,835 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-111,000 | 8,927 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-111,000 | 8,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-111,000 | 8,842 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,587 |
| Total interest expense | $109,000 | 8,312 |
| Net interest income | $425,000 | 7,124 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $68,000 | 6,777 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,000 | 8,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 4,730 |
| Total noninterest expense | $531,000 | 5,798 |
| Salaries and employee benefits | $250,000 | 6,257 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $145,000 | 6,052 |
| Pre-tax net operating income | $-128,000 | 9,011 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-128,000 | 9,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-128,000 | 9,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-128,000 | 9,008 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $763,000 | 9,024 |
| Total interest expense | $172,000 | 9,102 |
| Net interest income | $591,000 | 8,907 |
| Provision for loan and lease losses | $315,000 | 3,321 |
| Total noninterest income | $139,000 | 7,951 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $9,000 | 8,091 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 5,899 |
| Total noninterest expense | $1,747,000 | 6,361 |
| Salaries and employee benefits | $523,000 | 8,048 |
| Premises and equipment expense | $143,000 | 7,535 |
| Additional noninterest expense | $1,081,000 | 3,940 |
| Pre-tax net operating income | $-1,332,000 | 9,185 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,332,000 | 9,230 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,332,000 | 9,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $10,051,000 | 60 |
| Net operating income | $-1,332,000 | 9,199 |
* 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.