Home > Reliance Bank, FSB > Income and Expense
Reliance Bank, FSB, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,850,000 | 6,241 |
| Total interest expense | $509,000 | 5,078 |
| Net interest income | $1,341,000 | 6,403 |
| Provision for loan and lease losses | $-1,030,000 | 7,028 |
| Total noninterest income | $33,000 | 6,709 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $44,000 | 6,325 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-11,000 | 6,602 |
| Total noninterest expense | $1,683,000 | 5,907 |
| Salaries and employee benefits | $624,000 | 6,417 |
| Premises and equipment expense | $318,000 | 4,838 |
| Additional noninterest expense | $741,000 | 5,423 |
| Pre-tax net operating income | $721,000 | 4,478 |
| Securities gains (losses) | $520,000 | 914 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,241,000 | 3,468 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,241,000 | 3,470 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,241,000 | 3,471 |
| Net charge-offs | $-942,000 | 7,068 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $721,000 | 4,261 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 6,299 |
| Total interest expense | $397,000 | 5,136 |
| Net interest income | $1,040,000 | 6,469 |
| Provision for loan and lease losses | $70,000 | 4,710 |
| Total noninterest income | $-16,000 | 6,973 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $28,000 | 6,523 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-44,000 | 6,828 |
| Total noninterest expense | $1,293,000 | 5,938 |
| Salaries and employee benefits | $473,000 | 6,460 |
| Premises and equipment expense | $246,000 | 4,831 |
| Additional noninterest expense | $574,000 | 5,410 |
| Pre-tax net operating income | $-339,000 | 6,609 |
| Securities gains (losses) | $520,000 | 735 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $181,000 | 5,802 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $181,000 | 5,801 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $181,000 | 5,801 |
| Net charge-offs | $-331,000 | 7,125 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-339,000 | 6,628 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 6,300 |
| Total interest expense | $273,000 | 5,187 |
| Net interest income | $727,000 | 6,463 |
| Provision for loan and lease losses | $60,000 | 4,338 |
| Total noninterest income | $-42,000 | 7,072 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $16,000 | 6,624 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-58,000 | 6,961 |
| Total noninterest expense | $864,000 | 5,981 |
| Salaries and employee benefits | $313,000 | 6,521 |
| Premises and equipment expense | $170,000 | 4,758 |
| Additional noninterest expense | $381,000 | 5,449 |
| Pre-tax net operating income | $-239,000 | 6,656 |
| Securities gains (losses) | $520,000 | 526 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $281,000 | 4,904 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $281,000 | 4,907 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $281,000 | 4,907 |
| Net charge-offs | $-48,000 | 6,975 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-239,000 | 6,675 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $535,000 | 6,249 |
| Total interest expense | $141,000 | 5,219 |
| Net interest income | $394,000 | 6,415 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $15,000 | 6,801 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $6,000 | 6,762 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,000 | 6,296 |
| Total noninterest expense | $457,000 | 5,936 |
| Salaries and employee benefits | $176,000 | 6,407 |
| Premises and equipment expense | $85,000 | 4,786 |
| Additional noninterest expense | $196,000 | 5,405 |
| Pre-tax net operating income | $-78,000 | 6,679 |
| Securities gains (losses) | $520,000 | 269 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $442,000 | 2,872 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $442,000 | 2,875 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $442,000 | 2,876 |
| Net charge-offs | $34,000 | 3,328 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-78,000 | 6,707 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 5,671 |
| Total interest expense | $834,000 | 4,822 |
| Net interest income | $2,296,000 | 5,830 |
| Provision for loan and lease losses | $196,000 | 4,659 |
| Total noninterest income | $-566,000 | 7,202 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $37,000 | 6,528 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-603,000 | 7,119 |
| Total noninterest expense | $2,414,000 | 5,416 |
| Salaries and employee benefits | $1,043,000 | 5,789 |
| Premises and equipment expense | $395,000 | 4,593 |
| Additional noninterest expense | $976,000 | 4,950 |
| Pre-tax net operating income | $-880,000 | 6,546 |
| Securities gains (losses) | $-3,000 | 6,779 |
| Applicable income taxes | $1,984,000 | 796 |
| Income before extraordinary items | $-2,867,000 | 6,937 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,867,000 | 6,938 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,867,000 | 6,938 |
| Net charge-offs | $1,466,000 | 1,909 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $516,000 | 407 |
| Net operating income | $-2,864,000 | 6,919 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 5,596 |
| Total interest expense | $674,000 | 4,779 |
| Net interest income | $1,839,000 | 5,735 |
| Provision for loan and lease losses | $166,000 | 4,379 |
| Total noninterest income | $-376,000 | 7,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-376,000 | 7,202 |
| Total noninterest expense | $1,739,000 | 5,531 |
| Salaries and employee benefits | $854,000 | 5,635 |
| Premises and equipment expense | $568,000 | 3,050 |
| Additional noninterest expense | $317,000 | 6,531 |
| Pre-tax net operating income | $-442,000 | 6,573 |
| Securities gains (losses) | $-4,000 | 6,937 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-446,000 | 6,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-446,000 | 6,669 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-446,000 | 6,669 |
| Net charge-offs | $277,000 | 3,335 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-442,000 | 6,611 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,773,000 | 5,520 |
| Total interest expense | $469,000 | 4,785 |
| Net interest income | $1,304,000 | 5,636 |
| Provision for loan and lease losses | $166,000 | 3,778 |
| Total noninterest income | $-326,000 | 7,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-326,000 | 7,328 |
| Total noninterest expense | $1,269,000 | 5,374 |
| Salaries and employee benefits | $604,000 | 5,566 |
| Premises and equipment expense | $411,000 | 2,901 |
| Additional noninterest expense | $254,000 | 6,368 |
| Pre-tax net operating income | $-457,000 | 6,768 |
| Securities gains (losses) | $-4,000 | 6,995 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-461,000 | 6,820 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-461,000 | 6,819 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-461,000 | 6,820 |
| Net charge-offs | $-322,000 | 7,469 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-457,000 | 6,808 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $986,000 | 5,305 |
| Total interest expense | $246,000 | 4,786 |
| Net interest income | $740,000 | 5,376 |
| Provision for loan and lease losses | $100,000 | 3,337 |
| Total noninterest income | $-272,000 | 7,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-272,000 | 7,460 |
| Total noninterest expense | $640,000 | 5,379 |
| Salaries and employee benefits | $313,000 | 5,517 |
| Premises and equipment expense | $196,000 | 3,043 |
| Additional noninterest expense | $131,000 | 6,381 |
| Pre-tax net operating income | $-272,000 | 6,904 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-272,000 | 6,963 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-272,000 | 6,963 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-272,000 | 6,963 |
| Net charge-offs | $-907,000 | 7,563 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-272,000 | 6,944 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,494,000 | 5,711 |
| Total interest expense | $1,250,000 | 4,709 |
| Net interest income | $2,244,000 | 6,009 |
| Provision for loan and lease losses | $6,298,000 | 955 |
| Total noninterest income | $-4,542,000 | 7,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-4,542,000 | 7,630 |
| Total noninterest expense | $2,584,000 | 5,421 |
| Salaries and employee benefits | $1,361,000 | 5,320 |
| Premises and equipment expense | $784,000 | 3,022 |
| Additional noninterest expense | $439,000 | 6,689 |
| Pre-tax net operating income | $-11,180,000 | 7,381 |
| Securities gains (losses) | $69,000 | 2,449 |
| Applicable income taxes | $3,701,000 | 456 |
| Income before extraordinary items | $-14,812,000 | 7,468 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-14,812,000 | 7,468 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-14,812,000 | 7,468 |
| Net charge-offs | $5,566,000 | 930 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-14,881,000 | 7,466 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 5,738 |
| Total interest expense | $964,000 | 4,794 |
| Net interest income | $1,755,000 | 6,005 |
| Provision for loan and lease losses | $5,305,000 | 835 |
| Total noninterest income | $-1,013,000 | 7,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,013,000 | 7,659 |
| Total noninterest expense | $1,946,000 | 5,436 |
| Salaries and employee benefits | $1,040,000 | 5,319 |
| Premises and equipment expense | $591,000 | 3,060 |
| Additional noninterest expense | $315,000 | 6,805 |
| Pre-tax net operating income | $-6,509,000 | 7,444 |
| Securities gains (losses) | $69,000 | 2,236 |
| Applicable income taxes | $-2,536,000 | 7,629 |
| Income before extraordinary items | $-3,904,000 | 7,354 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,904,000 | 7,353 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,904,000 | 7,354 |
| Net charge-offs | $4,819,000 | 806 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,948,160 | 7,338 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,901,000 | 5,665 |
| Total interest expense | $671,000 | 4,789 |
| Net interest income | $1,230,000 | 5,904 |
| Provision for loan and lease losses | $2,982,000 | 953 |
| Total noninterest income | $-696,000 | 7,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-696,000 | 7,736 |
| Total noninterest expense | $1,314,000 | 5,429 |
| Salaries and employee benefits | $709,000 | 5,270 |
| Premises and equipment expense | $398,000 | 3,066 |
| Additional noninterest expense | $207,000 | 6,864 |
| Pre-tax net operating income | $-3,762,000 | 7,470 |
| Securities gains (losses) | $69,000 | 1,672 |
| Applicable income taxes | $-1,453,000 | 7,656 |
| Income before extraordinary items | $-2,240,000 | 7,370 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,240,000 | 7,369 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,240,000 | 7,370 |
| Net charge-offs | $2,261,000 | 1,037 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,284,160 | 7,366 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,013,000 | 5,580 |
| Total interest expense | $347,000 | 4,845 |
| Net interest income | $666,000 | 5,759 |
| Provision for loan and lease losses | $1,916,000 | 774 |
| Total noninterest income | $-360,000 | 7,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-360,000 | 7,848 |
| Total noninterest expense | $689,000 | 5,347 |
| Salaries and employee benefits | $394,000 | 5,046 |
| Premises and equipment expense | $193,000 | 3,216 |
| Additional noninterest expense | $102,000 | 6,972 |
| Pre-tax net operating income | $-2,299,000 | 7,635 |
| Securities gains (losses) | $69,000 | 978 |
| Applicable income taxes | $-810,000 | 7,768 |
| Income before extraordinary items | $-1,420,000 | 7,559 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,420,000 | 7,560 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,420,000 | 7,560 |
| Net charge-offs | $1,178,000 | 927 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,464,160 | 7,564 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,022,000 | 5,116 |
| Total interest expense | $2,902,000 | 3,501 |
| Net interest income | $2,120,000 | 6,236 |
| Provision for loan and lease losses | $9,600,000 | 901 |
| Total noninterest income | $-1,192,000 | 7,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,192,000 | 7,897 |
| Total noninterest expense | $3,348,000 | 4,860 |
| Salaries and employee benefits | $2,025,000 | 4,323 |
| Premises and equipment expense | $858,000 | 2,940 |
| Additional noninterest expense | $465,000 | 6,897 |
| Pre-tax net operating income | $-12,020,000 | 7,561 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-4,619,000 | 7,745 |
| Income before extraordinary items | $-7,401,000 | 7,453 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,401,000 | 7,450 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,401,000 | 7,451 |
| Net charge-offs | $6,892,000 | 907 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,401,000 | 7,467 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,841,000 | 5,127 |
| Total interest expense | $2,385,000 | 3,396 |
| Net interest income | $1,456,000 | 6,443 |
| Provision for loan and lease losses | $5,750,000 | 951 |
| Total noninterest income | $-782,000 | 8,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-782,000 | 7,992 |
| Total noninterest expense | $2,602,000 | 4,758 |
| Salaries and employee benefits | $1,561,000 | 4,261 |
| Premises and equipment expense | $656,000 | 2,925 |
| Additional noninterest expense | $385,000 | 6,760 |
| Pre-tax net operating income | $-7,678,000 | 7,663 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,599,000 | 7,779 |
| Income before extraordinary items | $-5,079,000 | 7,582 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,079,000 | 7,582 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,079,000 | 7,582 |
| Net charge-offs | $5,361,000 | 779 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,079,000 | 7,594 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,641,000 | 5,077 |
| Total interest expense | $1,698,000 | 3,361 |
| Net interest income | $943,000 | 6,524 |
| Provision for loan and lease losses | $4,800,000 | 759 |
| Total noninterest income | $-398,000 | 8,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-398,000 | 8,068 |
| Total noninterest expense | $1,774,000 | 4,733 |
| Salaries and employee benefits | $1,099,000 | 4,141 |
| Premises and equipment expense | $422,000 | 3,044 |
| Additional noninterest expense | $253,000 | 6,829 |
| Pre-tax net operating income | $-6,029,000 | 7,790 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,974,000 | 7,896 |
| Income before extraordinary items | $-4,055,000 | 7,733 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,055,000 | 7,732 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,055,000 | 7,732 |
| Net charge-offs | $4,501,000 | 624 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,055,000 | 7,741 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,383,000 | 4,987 |
| Total interest expense | $905,000 | 3,316 |
| Net interest income | $478,000 | 6,502 |
| Provision for loan and lease losses | $750,000 | 1,392 |
| Total noninterest income | $6,000 | 7,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $6,000 | 7,210 |
| Total noninterest expense | $864,000 | 4,727 |
| Salaries and employee benefits | $568,000 | 4,056 |
| Premises and equipment expense | $199,000 | 3,234 |
| Additional noninterest expense | $97,000 | 7,134 |
| Pre-tax net operating income | $-1,130,000 | 7,668 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-370,000 | 7,845 |
| Income before extraordinary items | $-760,000 | 7,609 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-760,000 | 7,610 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-760,000 | 7,610 |
| Net charge-offs | $1,224,000 | 856 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-760,000 | 7,603 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,339,000 | 5,280 |
| Total interest expense | $2,672,000 | 4,569 |
| Net interest income | $2,667,000 | 5,742 |
| Provision for loan and lease losses | $3,225,000 | 1,321 |
| Total noninterest income | $36,000 | 7,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $36,000 | 7,061 |
| Total noninterest expense | $3,972,000 | 4,255 |
| Salaries and employee benefits | $2,434,000 | 3,847 |
| Premises and equipment expense | $874,000 | 2,945 |
| Additional noninterest expense | $664,000 | 5,963 |
| Pre-tax net operating income | $-4,494,000 | 7,761 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,636,000 | 7,868 |
| Income before extraordinary items | $-2,858,000 | 7,580 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,858,000 | 7,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,667,000 | 865 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,858,000 | 7,653 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,937,000 | 5,390 |
| Total interest expense | $1,865,000 | 4,868 |
| Net interest income | $2,072,000 | 5,686 |
| Provision for loan and lease losses | $1,942,000 | 1,213 |
| Total noninterest income | $26,000 | 7,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 7,229 |
| Total noninterest expense | $3,048,000 | 4,173 |
| Salaries and employee benefits | $1,925,000 | 3,725 |
| Premises and equipment expense | $616,000 | 3,124 |
| Additional noninterest expense | $507,000 | 5,868 |
| Pre-tax net operating income | $-2,892,000 | 8,007 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,052,000 | 8,060 |
| Income before extraordinary items | $-1,840,000 | 7,825 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,840,000 | 7,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,469,000 | 728 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,840,000 | 7,901 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 5,555 |
| Total interest expense | $1,198,000 | 5,133 |
| Net interest income | $1,330,000 | 5,810 |
| Provision for loan and lease losses | $1,742,000 | 860 |
| Total noninterest income | $49,000 | 7,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $49,000 | 6,161 |
| Total noninterest expense | $2,149,000 | 4,027 |
| Salaries and employee benefits | $1,376,000 | 3,565 |
| Premises and equipment expense | $399,000 | 3,222 |
| Additional noninterest expense | $374,000 | 5,603 |
| Pre-tax net operating income | $-2,512,000 | 8,210 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-914,000 | 8,263 |
| Income before extraordinary items | $-1,598,000 | 8,168 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,598,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,304,000 | 513 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,598,000 | 8,159 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 5,562 |
| Total interest expense | $595,000 | 5,318 |
| Net interest income | $712,000 | 5,636 |
| Provision for loan and lease losses | $170,000 | 1,988 |
| Total noninterest income | $43,000 | 6,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $43,000 | 5,319 |
| Total noninterest expense | $968,000 | 4,333 |
| Salaries and employee benefits | $675,000 | 3,645 |
| Premises and equipment expense | $215,000 | 3,023 |
| Additional noninterest expense | $78,000 | 7,453 |
| Pre-tax net operating income | $-383,000 | 7,987 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-139,000 | 8,200 |
| Income before extraordinary items | $-244,000 | 7,909 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-244,000 | 7,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $872,000 | 502 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-244,000 | 7,875 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,697,000 | 5,876 |
| Total interest expense | $2,324,000 | 5,461 |
| Net interest income | $2,373,000 | 6,104 |
| Provision for loan and lease losses | $890,000 | 1,558 |
| Total noninterest income | $55,000 | 7,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $55,000 | 6,998 |
| Total noninterest expense | $2,697,000 | 5,353 |
| Salaries and employee benefits | $1,938,000 | 4,489 |
| Premises and equipment expense | $598,000 | 3,848 |
| Additional noninterest expense | $161,000 | 8,202 |
| Pre-tax net operating income | $-1,159,000 | 8,095 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-431,000 | 8,283 |
| Income before extraordinary items | $-728,000 | 8,007 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-728,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-728,000 | 8,001 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,373,000 | 6,011 |
| Total interest expense | $1,583,000 | 5,731 |
| Net interest income | $1,790,000 | 6,129 |
| Provision for loan and lease losses | $785,000 | 1,109 |
| Total noninterest income | $41,000 | 8,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $41,000 | 7,030 |
| Total noninterest expense | $1,804,000 | 5,688 |
| Salaries and employee benefits | $1,351,000 | 4,711 |
| Premises and equipment expense | $384,000 | 4,282 |
| Additional noninterest expense | $69,000 | 8,455 |
| Pre-tax net operating income | $-758,000 | 8,209 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-277,000 | 8,362 |
| Income before extraordinary items | $-481,000 | 8,130 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-481,000 | 8,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-481,000 | 8,116 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,046,000 | 6,262 |
| Total interest expense | $870,000 | 6,199 |
| Net interest income | $1,176,000 | 6,202 |
| Provision for loan and lease losses | $95,000 | 3,362 |
| Total noninterest income | $19,000 | 8,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $19,000 | 7,424 |
| Total noninterest expense | $1,063,000 | 6,076 |
| Salaries and employee benefits | $810,000 | 5,100 |
| Premises and equipment expense | $223,000 | 4,699 |
| Additional noninterest expense | $30,000 | 8,573 |
| Pre-tax net operating income | $37,000 | 7,595 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $15,000 | 5,484 |
| Income before extraordinary items | $22,000 | 7,668 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $22,000 | 7,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $22,000 | 7,652 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $944,000 | 6,431 |
| Total interest expense | $353,000 | 6,623 |
| Net interest income | $591,000 | 6,198 |
| Provision for loan and lease losses | $70,000 | 2,576 |
| Total noninterest income | $8,000 | 8,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $8,000 | 7,599 |
| Total noninterest expense | $483,000 | 6,374 |
| Salaries and employee benefits | $355,000 | 5,541 |
| Premises and equipment expense | $93,000 | 5,263 |
| Additional noninterest expense | $35,000 | 8,371 |
| Pre-tax net operating income | $46,000 | 7,339 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $18,000 | 4,999 |
| Income before extraordinary items | $28,000 | 7,495 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $28,000 | 7,494 |
| 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 | $28,000 | 7,479 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,335,000 | 7,275 |
| Total interest expense | $599,000 | 7,714 |
| Net interest income | $1,736,000 | 6,889 |
| Provision for loan and lease losses | $450,000 | 2,064 |
| Total noninterest income | $18,000 | 8,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 8,036 |
| Total noninterest expense | $1,369,000 | 7,104 |
| Salaries and employee benefits | $986,000 | 6,441 |
| Premises and equipment expense | $225,000 | 6,465 |
| Additional noninterest expense | $158,000 | 8,324 |
| Pre-tax net operating income | $-65,000 | 8,023 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-24,000 | 8,230 |
| Income before extraordinary items | $-41,000 | 8,027 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-41,000 | 8,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $16,000,000 | 122 |
| Net operating income | $-41,000 | 8,017 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,479,000 | 7,613 |
| Total interest expense | $304,000 | 8,126 |
| Net interest income | $1,175,000 | 7,177 |
| Provision for loan and lease losses | $350,000 | 1,901 |
| Total noninterest income | $9,000 | 8,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,272 |
| Total noninterest expense | $1,024,000 | 7,118 |
| Salaries and employee benefits | $727,000 | 6,481 |
| Premises and equipment expense | $146,000 | 6,809 |
| Additional noninterest expense | $151,000 | 8,129 |
| Pre-tax net operating income | $-190,000 | 8,295 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-72,000 | 8,533 |
| Income before extraordinary items | $-118,000 | 8,264 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-118,000 | 8,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $16,000,000 | 89 |
| Net operating income | $-118,000 | 8,254 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $845,000 | 7,857 |
| Total interest expense | $123,000 | 8,446 |
| Net interest income | $722,000 | 7,380 |
| Provision for loan and lease losses | $275,000 | 1,625 |
| Total noninterest income | $2,000 | 8,664 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,535 |
| Total noninterest expense | $648,000 | 7,273 |
| Salaries and employee benefits | $460,000 | 6,635 |
| Premises and equipment expense | $87,000 | 7,034 |
| Additional noninterest expense | $101,000 | 8,145 |
| Pre-tax net operating income | $-199,000 | 8,406 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-74,000 | 8,602 |
| Income before extraordinary items | $-125,000 | 8,369 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-125,000 | 8,369 |
| 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 | $16,000,000 | 52 |
| Net operating income | $-125,000 | 8,367 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $320,000 | 8,202 |
| Total interest expense | $24,000 | 8,657 |
| Net interest income | $296,000 | 7,729 |
| Provision for loan and lease losses | $200,000 | 1,130 |
| Total noninterest income | $1,000 | 8,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $301,000 | 7,427 |
| Salaries and employee benefits | $205,000 | 6,926 |
| Premises and equipment expense | $40,000 | 7,201 |
| Additional noninterest expense | $56,000 | 8,039 |
| Pre-tax net operating income | $-204,000 | 8,546 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-71,000 | 8,670 |
| Income before extraordinary items | $-133,000 | 8,500 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-133,000 | 8,499 |
| 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 | $16,000,000 | 17 |
| Net operating income | $-133,000 | 8,486 |
* 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.