Home > Republic Bank > Income and Expense

Republic Bank, Income and Expense

2014-03-31 (YTD Data)		Rank
Total interest income	$1,021,000	4,508
Total interest expense	$45,000	5,804
Net interest income	$976,000	4,321
Provision for loan and lease losses	$73,000	1,921
Total noninterest income	$279,000	2,909
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$67,000	3,417
Trading account gains and fees	$0	147
Additional Noninterest Income	$212,000	2,471
Total noninterest expense	$974,000	3,963
Salaries and employee benefits	$567,000	3,789
Premises and equipment expense	$121,000	3,822
Additional noninterest expense	$286,000	4,204
Pre-tax net operating income	$208,000	4,412
Securities gains (losses)	$0	1,715
Applicable income taxes	$74,000	2,630
Income before extraordinary items	$134,000	4,828
Extraordinary gains, net	$0	16
Net income	$134,000	4,830
Minority interest net income	$0	66
Net income of bank and minority interests.	$134,000	4,829
Net charge-offs	$73,000	1,577
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$134,000	4,782
2013-12-31 (YTD Data)		Rank
Total interest income	$4,300,000	4,450
Total interest expense	$203,000	5,888
Net interest income	$4,097,000	4,217
Provision for loan and lease losses	$63,000	4,065
Total noninterest income	$934,000	3,323
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$261,000	3,628
Trading account gains and fees	$0	184
Additional Noninterest Income	$673,000	2,934
Total noninterest expense	$4,050,000	3,888
Salaries and employee benefits	$2,093,000	3,967
Premises and equipment expense	$604,000	3,290
Additional noninterest expense	$1,353,000	3,910
Pre-tax net operating income	$918,000	4,206
Securities gains (losses)	$0	3,182
Applicable income taxes	$333,000	2,534
Income before extraordinary items	$585,000	4,696
Extraordinary gains, net	$0	29
Net income	$585,000	4,700
Minority interest net income	$0	90
Net income of bank and minority interests.	$585,000	4,700
Net charge-offs	$374,000	2,328
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$585,000	4,627
2013-09-30 (YTD Data)		Rank
Total interest income	$3,274,000	4,460
Total interest expense	$154,000	5,973
Net interest income	$3,120,000	4,211
Provision for loan and lease losses	$74,000	3,682
Total noninterest income	$768,000	3,217
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$184,000	3,765
Trading account gains and fees	$0	180
Additional Noninterest Income	$584,000	2,784
Total noninterest expense	$3,147,000	3,827
Salaries and employee benefits	$1,614,000	3,919
Premises and equipment expense	$485,000	3,163
Additional noninterest expense	$1,048,000	3,834
Pre-tax net operating income	$667,000	4,346
Securities gains (losses)	$0	3,040
Applicable income taxes	$227,000	2,673
Income before extraordinary items	$440,000	4,785
Extraordinary gains, net	$0	25
Net income	$440,000	4,787
Minority interest net income	$0	84
Net income of bank and minority interests.	$440,000	4,788
Net charge-offs	$256,000	2,285
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$440,000	4,690
2013-06-30 (YTD Data)		Rank
Total interest income	$2,165,000	4,492
Total interest expense	$104,000	6,028
Net interest income	$2,061,000	4,229
Provision for loan and lease losses	$-115,000	6,694
Total noninterest income	$596,000	3,004
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$116,000	3,839
Trading account gains and fees	$0	157
Additional Noninterest Income	$480,000	2,533
Total noninterest expense	$2,179,000	3,753
Salaries and employee benefits	$1,078,000	3,941
Premises and equipment expense	$327,000	3,161
Additional noninterest expense	$774,000	3,582
Pre-tax net operating income	$593,000	3,845
Securities gains (losses)	$0	2,791
Applicable income taxes	$202,000	2,422
Income before extraordinary items	$391,000	4,358
Extraordinary gains, net	$0	22
Net income	$391,000	4,360
Minority interest net income	$0	82
Net income of bank and minority interests.	$391,000	4,361
Net charge-offs	$153,000	2,363
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$391,000	4,247
2013-03-31 (YTD Data)		Rank
Total interest income	$1,087,000	4,518
Total interest expense	$55,000	6,047
Net interest income	$1,032,000	4,247
Provision for loan and lease losses	$-123,000	6,857
Total noninterest income	$394,000	2,575
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$58,000	3,830
Trading account gains and fees	$0	148
Additional Noninterest Income	$336,000	2,073
Total noninterest expense	$1,055,000	3,868
Salaries and employee benefits	$494,000	4,190
Premises and equipment expense	$160,000	3,236
Additional noninterest expense	$401,000	3,499
Pre-tax net operating income	$494,000	2,890
Securities gains (losses)	$0	1,966
Applicable income taxes	$175,000	1,834
Income before extraordinary items	$319,000	3,457
Extraordinary gains, net	$0	10
Net income	$319,000	3,457
Minority interest net income	$0	76
Net income of bank and minority interests.	$319,000	3,459
Net charge-offs	$20,000	3,086
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$319,000	3,358
2012-12-31 (YTD Data)		Rank
Total interest income	$4,494,000	4,572
Total interest expense	$309,000	5,933
Net interest income	$4,185,000	4,287
Provision for loan and lease losses	$1,454,000	1,353
Total noninterest income	$565,000	4,276
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$231,000	4,005
Trading account gains and fees	$0	166
Additional Noninterest Income	$334,000	3,893
Total noninterest expense	$4,146,000	3,935
Salaries and employee benefits	$2,021,000	4,112
Premises and equipment expense	$795,000	2,764
Additional noninterest expense	$1,330,000	4,082
Pre-tax net operating income	$-850,000	6,621
Securities gains (losses)	$0	3,810
Applicable income taxes	$-298,000	6,833
Income before extraordinary items	$-552,000	6,600
Extraordinary gains, net	$0	29
Net income	$-552,000	6,594
Minority interest net income	$0	93
Net income of bank and minority interests.	$-552,000	6,596
Net charge-offs	$811,000	2,041
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-552,000	6,547
2012-09-30 (YTD Data)		Rank
Total interest income	$3,387,000	4,640
Total interest expense	$250,000	5,969
Net interest income	$3,137,000	4,357
Provision for loan and lease losses	$1,402,000	1,139
Total noninterest income	$364,000	4,593
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$163,000	4,159
Trading account gains and fees	$0	157
Additional Noninterest Income	$201,000	4,244
Total noninterest expense	$3,032,000	4,036
Salaries and employee benefits	$1,412,000	4,297
Premises and equipment expense	$608,000	2,745
Additional noninterest expense	$1,012,000	4,078
Pre-tax net operating income	$-933,000	6,811
Securities gains (losses)	$0	3,575
Applicable income taxes	$-329,000	7,012
Income before extraordinary items	$-604,000	6,788
Extraordinary gains, net	$0	20
Net income	$-604,000	6,784
Minority interest net income	$0	86
Net income of bank and minority interests.	$-604,000	6,785
Net charge-offs	$231,000	3,134
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-604,000	6,745
2012-06-30 (YTD Data)		Rank
Total interest income	$2,258,000	4,678
Total interest expense	$181,000	5,935
Net interest income	$2,077,000	4,388
Provision for loan and lease losses	$500,000	1,802
Total noninterest income	$199,000	4,872
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$101,000	4,286
Trading account gains and fees	$0	153
Additional Noninterest Income	$98,000	4,686
Total noninterest expense	$1,967,000	4,122
Salaries and employee benefits	$903,000	4,433
Premises and equipment expense	$419,000	2,674
Additional noninterest expense	$645,000	4,217
Pre-tax net operating income	$-191,000	6,623
Securities gains (losses)	$0	3,178
Applicable income taxes	$-67,000	6,976
Income before extraordinary items	$-124,000	6,650
Extraordinary gains, net	$0	19
Net income	$-124,000	6,650
Minority interest net income	$0	84
Net income of bank and minority interests.	$-124,000	6,650
Net charge-offs	$239,000	2,546
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-124,000	6,571
2012-03-31 (YTD Data)		Rank
Total interest income	$1,120,000	4,749
Total interest expense	$102,000	5,841
Net interest income	$1,018,000	4,467
Provision for loan and lease losses	$499,000	1,069
Total noninterest income	$97,000	4,977
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$47,000	4,404
Trading account gains and fees	$0	148
Additional Noninterest Income	$50,000	4,725
Total noninterest expense	$913,000	4,331
Salaries and employee benefits	$431,000	4,583
Premises and equipment expense	$207,000	2,728
Additional noninterest expense	$275,000	4,606
Pre-tax net operating income	$-297,000	6,941
Securities gains (losses)	$0	2,210
Applicable income taxes	$-114,000	7,180
Income before extraordinary items	$-183,000	6,893
Extraordinary gains, net	$0	19
Net income	$-183,000	6,894
Minority interest net income	$0	78
Net income of bank and minority interests.	$-183,000	6,894
Net charge-offs	$23,000	3,594
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-183,000	6,855
2011-12-31 (YTD Data)		Rank
Total interest income	$4,496,000	4,838
Total interest expense	$724,000	5,130
Net interest income	$3,772,000	4,691
Provision for loan and lease losses	$198,000	4,652
Total noninterest income	$475,000	4,482
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$233,000	4,102
Trading account gains and fees	$0	146
Additional Noninterest Income	$242,000	4,185
Total noninterest expense	$4,118,000	4,034
Salaries and employee benefits	$1,785,000	4,471
Premises and equipment expense	$845,000	2,796
Additional noninterest expense	$1,488,000	3,890
Pre-tax net operating income	$-69,000	6,107
Securities gains (losses)	$190,000	1,503
Applicable income taxes	$29,000	3,975
Income before extraordinary items	$92,000	5,900
Extraordinary gains, net	$0	29
Net income	$92,000	5,902
Minority interest net income	$0	96
Net income of bank and minority interests.	$92,000	5,902
Net charge-offs	$471,000	3,259
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-52,400	6,120
2011-09-30 (YTD Data)		Rank
Total interest income	$3,331,000	4,932
Total interest expense	$599,000	5,046
Net interest income	$2,732,000	4,817
Provision for loan and lease losses	$193,000	4,188
Total noninterest income	$151,000	5,825
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$185,000	4,003
Trading account gains and fees	$0	145
Additional Noninterest Income	$-34,000	6,984
Total noninterest expense	$3,090,000	4,035
Salaries and employee benefits	$1,483,000	4,200
Premises and equipment expense	$868,000	2,139
Additional noninterest expense	$739,000	4,965
Pre-tax net operating income	$-400,000	6,537
Securities gains (losses)	$112,000	1,684
Applicable income taxes	$-116,000	7,011
Income before extraordinary items	$-172,000	6,481
Extraordinary gains, net	$0	21
Net income	$-172,000	6,484
Minority interest net income	$0	87
Net income of bank and minority interests.	$-172,000	6,484
Net charge-offs	$482,000	2,704
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-243,680	6,478
2011-06-30 (YTD Data)		Rank
Total interest income	$2,170,000	5,033
Total interest expense	$437,000	4,944
Net interest income	$1,733,000	4,965
Provision for loan and lease losses	$88,000	4,576
Total noninterest income	$79,000	6,138
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	3,877
Trading account gains and fees	$0	153
Additional Noninterest Income	$-51,000	7,136
Total noninterest expense	$2,149,000	3,983
Salaries and employee benefits	$1,026,000	4,139
Premises and equipment expense	$602,000	2,103
Additional noninterest expense	$521,000	4,891
Pre-tax net operating income	$-425,000	6,747
Securities gains (losses)	$0	2,914
Applicable income taxes	$-166,000	7,192
Income before extraordinary items	$-259,000	6,692
Extraordinary gains, net	$0	15
Net income	$-259,000	6,693
Minority interest net income	$0	89
Net income of bank and minority interests.	$-259,000	6,693
Net charge-offs	$373,000	2,435
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-259,000	6,667
2011-03-31 (YTD Data)		Rank
Total interest income	$1,061,000	5,117
Total interest expense	$246,000	4,786
Net interest income	$815,000	5,119
Provision for loan and lease losses	$-66,000	7,483
Total noninterest income	$-56,000	7,398
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	3,799
Trading account gains and fees	$0	158
Additional Noninterest Income	$-122,000	7,386
Total noninterest expense	$1,082,000	3,978
Salaries and employee benefits	$512,000	4,164
Premises and equipment expense	$288,000	2,213
Additional noninterest expense	$282,000	4,698
Pre-tax net operating income	$-257,000	6,887
Securities gains (losses)	$0	1,772
Applicable income taxes	$-110,000	7,297
Income before extraordinary items	$-147,000	6,806
Extraordinary gains, net	$0	9
Net income	$-147,000	6,806
Minority interest net income	$0	86
Net income of bank and minority interests.	$-147,000	6,806
Net charge-offs	$307,000	1,729
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-147,000	6,798
2010-12-31 (YTD Data)		Rank
Total interest income	$4,360,000	5,187
Total interest expense	$1,205,000	4,811
Net interest income	$3,155,000	5,227
Provision for loan and lease losses	$3,054,000	1,596
Total noninterest income	$-161,000	7,411
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$-161,000	7,248
Total noninterest expense	$4,529,000	3,880
Salaries and employee benefits	$2,006,000	4,227
Premises and equipment expense	$1,338,000	1,914
Additional noninterest expense	$1,185,000	4,643
Pre-tax net operating income	$-4,589,000	7,073
Securities gains (losses)	$0	3,793
Applicable income taxes	$-1,482,000	7,400
Income before extraordinary items	$-3,107,000	7,014
Extraordinary gains, net	$0	29
Net income	$-3,107,000	7,014
Minority interest net income	$0	111
Net income of bank and minority interests.	$-3,107,000	7,015
Net charge-offs	$3,047,000	1,457
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-3,107,000	6,989
2010-09-30 (YTD Data)		Rank
Total interest income	$3,217,000	5,329
Total interest expense	$920,000	4,923
Net interest income	$2,297,000	5,365
Provision for loan and lease losses	$2,720,000	1,349
Total noninterest income	$-136,000	7,546
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$-136,000	7,414
Total noninterest expense	$3,623,000	3,727
Salaries and employee benefits	$1,724,000	3,872
Premises and equipment expense	$981,000	1,971
Additional noninterest expense	$918,000	4,542
Pre-tax net operating income	$-4,182,000	7,312
Securities gains (losses)	$0	3,651
Applicable income taxes	$-1,265,000	7,541
Income before extraordinary items	$-2,917,000	7,265
Extraordinary gains, net	$0	23
Net income	$-2,917,000	7,265
Minority interest net income	$0	110
Net income of bank and minority interests.	$-2,917,000	7,265
Net charge-offs	$2,860,000	1,185
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-2,917,000	7,242
2010-06-30 (YTD Data)		Rank
Total interest income	$2,132,000	5,378
Total interest expense	$613,000	5,017
Net interest income	$1,519,000	5,411
Provision for loan and lease losses	$2,391,000	1,120
Total noninterest income	$54,000	6,781
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$54,000	5,493
Total noninterest expense	$2,403,000	3,735
Salaries and employee benefits	$1,183,000	3,806
Premises and equipment expense	$640,000	2,031
Additional noninterest expense	$580,000	4,680
Pre-tax net operating income	$-3,221,000	7,413
Securities gains (losses)	$0	3,184
Applicable income taxes	$-1,100,000	7,626
Income before extraordinary items	$-2,121,000	7,351
Extraordinary gains, net	$0	19
Net income	$-2,121,000	7,351
Minority interest net income	$0	105
Net income of bank and minority interests.	$-2,121,000	7,351
Net charge-offs	$1,032,000	1,692
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-2,121,000	7,347
2010-03-31 (YTD Data)		Rank
Total interest income	$1,093,000	5,368
Total interest expense	$301,000	5,188
Net interest income	$792,000	5,322
Provision for loan and lease losses	$313,000	2,335
Total noninterest income	$-9,000	7,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$-9,000	7,564
Total noninterest expense	$1,270,000	3,600
Salaries and employee benefits	$628,000	3,681
Premises and equipment expense	$325,000	2,054
Additional noninterest expense	$317,000	4,435
Pre-tax net operating income	$-800,000	7,346
Securities gains (losses)	$0	2,284
Applicable income taxes	$-305,000	7,633
Income before extraordinary items	$-495,000	7,257
Extraordinary gains, net	$0	16
Net income	$-495,000	7,258
Minority interest net income	$0	91
Net income of bank and minority interests.	$-495,000	7,258
Net charge-offs	$211,000	2,369
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-495,000	7,241
2009-12-31 (YTD Data)		Rank
Total interest income	$4,544,000	5,398
Total interest expense	$937,000	6,155
Net interest income	$3,607,000	4,895
Provision for loan and lease losses	$1,485,000	2,918
Total noninterest income	$24,202,000	343
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$24,202,000	247
Total noninterest expense	$25,898,000	811
Salaries and employee benefits	$1,393,000	5,411
Premises and equipment expense	$1,340,000	1,995
Additional noninterest expense	$23,165,000	391
Pre-tax net operating income	$426,000	4,178
Securities gains (losses)	$9,672,000	73
Applicable income taxes	$3,929,000	321
Income before extraordinary items	$6,169,000	551
Extraordinary gains, net	$0	34
Net income	$6,169,000	551
Minority interest net income	$0	115
Net income of bank and minority interests.	$6,169,000	552
Net charge-offs	$288,000	4,547
Cash dividends	$20,000,000	108
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-21,080	5,531
2009-09-30 (YTD Data)		Rank
Total interest income	$3,497,000	5,397
Total interest expense	$696,000	6,325
Net interest income	$2,801,000	4,773
Provision for loan and lease losses	$890,000	2,955
Total noninterest income	$24,098,000	282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$24,098,000	214
Total noninterest expense	$25,019,000	624
Salaries and employee benefits	$1,087,000	5,329
Premises and equipment expense	$1,021,000	1,989
Additional noninterest expense	$22,911,000	314
Pre-tax net operating income	$990,000	2,750
Securities gains (losses)	$9,745,000	68
Applicable income taxes	$4,177,000	250
Income before extraordinary items	$6,558,000	403
Extraordinary gains, net	$0	27
Net income	$6,558,000	401
Minority interest net income	$0	118
Net income of bank and minority interests.	$6,558,000	403
Net charge-offs	$218,000	4,149
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$321,200	4,276
2009-06-30 (YTD Data)		Rank
Total interest income	$2,414,000	5,341
Total interest expense	$470,000	6,401
Net interest income	$1,944,000	4,669
Provision for loan and lease losses	$624,000	2,645
Total noninterest income	$23,877,000	210
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$23,877,000	167
Total noninterest expense	$23,864,000	463
Salaries and employee benefits	$708,000	5,457
Premises and equipment expense	$672,000	2,036
Additional noninterest expense	$22,484,000	241
Pre-tax net operating income	$1,333,000	1,686
Securities gains (losses)	$9,745,000	54
Applicable income taxes	$4,311,000	189
Income before extraordinary items	$6,767,000	267
Extraordinary gains, net	$0	21
Net income	$6,767,000	266
Minority interest net income	$0	112
Net income of bank and minority interests.	$6,767,000	266
Net charge-offs	$189,000	3,495
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$530,200	2,883
2009-03-31 (YTD Data)		Rank
Total interest income	$1,267,000	5,239
Total interest expense	$250,000	6,379
Net interest income	$1,017,000	4,529
Provision for loan and lease losses	$119,000	3,665
Total noninterest income	$21,593,000	141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$21,593,000	114
Total noninterest expense	$21,250,000	265
Salaries and employee benefits	$293,000	6,031
Premises and equipment expense	$331,000	2,102
Additional noninterest expense	$20,626,000	150
Pre-tax net operating income	$1,241,000	1,025
Securities gains (losses)	$10,122,000	29
Applicable income taxes	$4,347,000	116
Income before extraordinary items	$7,016,000	169
Extraordinary gains, net	$0	15
Net income	$7,016,000	167
Minority interest net income	$0	102
Net income of bank and minority interests.	$7,016,000	170
Net charge-offs	$89,000	2,993
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$537,920	1,877
2008-12-31 (YTD Data)		Rank
Total interest income	$4,457,000	5,760
Total interest expense	$1,642,000	5,781
Net interest income	$2,815,000	5,588
Provision for loan and lease losses	$1,078,000	2,591
Total noninterest income	$262,000	6,054
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$262,000	4,340
Total noninterest expense	$3,742,000	4,441
Salaries and employee benefits	$1,768,000	4,847
Premises and equipment expense	$999,000	2,627
Additional noninterest expense	$975,000	4,894
Pre-tax net operating income	$-1,743,000	7,284
Securities gains (losses)	$118,000	1,009
Applicable income taxes	$-690,000	7,600
Income before extraordinary items	$-935,000	6,956
Extraordinary gains, net	$0	39
Net income	$-935,000	6,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,028,000	1,927
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,010,520	7,125
2008-09-30 (YTD Data)		Rank
Total interest income	$3,336,000	5,833
Total interest expense	$1,300,000	5,771
Net interest income	$2,036,000	5,745
Provision for loan and lease losses	$942,000	1,896
Total noninterest income	$223,000	5,903
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$223,000	4,220
Total noninterest expense	$2,632,000	4,619
Salaries and employee benefits	$1,277,000	4,982
Premises and equipment expense	$685,000	2,859
Additional noninterest expense	$670,000	5,098
Pre-tax net operating income	$-1,315,000	7,675
Securities gains (losses)	$115,000	874
Applicable income taxes	$-459,000	7,858
Income before extraordinary items	$-741,000	7,367
Extraordinary gains, net	$0	31
Net income	$-741,000	7,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$788,000	1,504
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-814,600	7,531
2008-06-30 (YTD Data)		Rank
Total interest income	$2,250,000	5,875
Total interest expense	$915,000	5,787
Net interest income	$1,335,000	5,803
Provision for loan and lease losses	$760,000	1,455
Total noninterest income	$167,000	5,792
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$167,000	4,123
Total noninterest expense	$1,636,000	4,850
Salaries and employee benefits	$824,000	5,126
Premises and equipment expense	$404,000	3,186
Additional noninterest expense	$408,000	5,357
Pre-tax net operating income	$-894,000	7,860
Securities gains (losses)	$94,000	1,021
Applicable income taxes	$-306,000	8,077
Income before extraordinary items	$-494,000	7,689
Extraordinary gains, net	$0	21
Net income	$-494,000	7,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	4,173
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-554,160	7,714
2008-03-31 (YTD Data)		Rank
Total interest income	$1,162,000	5,888
Total interest expense	$533,000	5,598
Net interest income	$629,000	5,977
Provision for loan and lease losses	$498,000	1,014
Total noninterest income	$79,000	5,891
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$79,000	4,225
Total noninterest expense	$776,000	5,022
Salaries and employee benefits	$396,000	5,268
Premises and equipment expense	$189,000	3,386
Additional noninterest expense	$191,000	5,503
Pre-tax net operating income	$-566,000	8,123
Securities gains (losses)	$94,000	744
Applicable income taxes	$-181,000	8,245
Income before extraordinary items	$-291,000	7,968
Extraordinary gains, net	$0	15
Net income	$-291,000	7,967
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	2,854
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-351,160	8,010
2007-12-31 (YTD Data)		Rank
Total interest income	$4,544,000	5,966
Total interest expense	$2,449,000	5,318
Net interest income	$2,095,000	6,387
Provision for loan and lease losses	$239,000	3,623
Total noninterest income	$276,000	6,193
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$276,000	4,402
Total noninterest expense	$2,359,000	5,775
Salaries and employee benefits	$1,276,000	5,808
Premises and equipment expense	$535,000	4,173
Additional noninterest expense	$548,000	6,366
Pre-tax net operating income	$-227,000	7,667
Securities gains (losses)	$0	2,146
Applicable income taxes	$-84,000	7,996
Income before extraordinary items	$-143,000	7,664
Extraordinary gains, net	$0	39
Net income	$-143,000	7,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	3,121
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-143,000	7,646
2007-09-30 (YTD Data)		Rank
Total interest income	$3,380,000	6,006
Total interest expense	$1,841,000	5,322
Net interest income	$1,539,000	6,476
Provision for loan and lease losses	$63,000	4,794
Total noninterest income	$196,000	6,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$196,000	4,520
Total noninterest expense	$1,787,000	5,723
Salaries and employee benefits	$1,008,000	5,616
Premises and equipment expense	$373,000	4,373
Additional noninterest expense	$406,000	6,360
Pre-tax net operating income	$-115,000	7,822
Securities gains (losses)	$0	1,655
Applicable income taxes	$-42,000	8,138
Income before extraordinary items	$-73,000	7,820
Extraordinary gains, net	$0	33
Net income	$-73,000	7,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,289
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-73,000	7,804
2007-06-30 (YTD Data)		Rank
Total interest income	$2,250,000	6,038
Total interest expense	$1,204,000	5,370
Net interest income	$1,046,000	6,482
Provision for loan and lease losses	$-17,000	8,375
Total noninterest income	$120,000	6,538
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$120,000	4,752
Total noninterest expense	$1,190,000	5,753
Salaries and employee benefits	$662,000	5,742
Premises and equipment expense	$246,000	4,433
Additional noninterest expense	$282,000	6,278
Pre-tax net operating income	$-7,000	7,797
Securities gains (losses)	$0	1,444
Applicable income taxes	$-1,000	8,062
Income before extraordinary items	$-6,000	7,807
Extraordinary gains, net	$0	29
Net income	$-6,000	7,806
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	$-6,000	7,793
2007-03-31 (YTD Data)		Rank
Total interest income	$1,133,000	6,021
Total interest expense	$590,000	5,428
Net interest income	$543,000	6,426
Provision for loan and lease losses	$3,000	5,535
Total noninterest income	$44,000	7,005
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$44,000	5,347
Total noninterest expense	$623,000	5,632
Salaries and employee benefits	$337,000	5,709
Premises and equipment expense	$126,000	4,371
Additional noninterest expense	$160,000	5,927
Pre-tax net operating income	$-39,000	7,999
Securities gains (losses)	$0	1,187
Applicable income taxes	$-14,000	8,269
Income before extraordinary items	$-25,000	7,978
Extraordinary gains, net	$0	22
Net income	$-25,000	7,977
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	$-25,000	7,963
2006-12-31 (YTD Data)		Rank
Total interest income	$1,101,000	8,217
Total interest expense	$542,000	7,840
Net interest income	$559,000	8,364
Provision for loan and lease losses	$2,000	6,810
Total noninterest income	$62,000	8,109
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$62,000	7,020
Total noninterest expense	$617,000	8,292
Salaries and employee benefits	$293,000	8,394
Premises and equipment expense	$125,000	7,549
Additional noninterest expense	$199,000	8,126
Pre-tax net operating income	$2,000	7,936
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,000	6,499
Income before extraordinary items	$1,000	7,976
Extraordinary gains, net	$0	51
Net income	$1,000	7,978
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	$-852,000	8,658
Net operating income	$1,000	7,957
2006-09-30 (YTD Data)		Rank
Total interest income	$2,626,000	6,442
Total interest expense	$1,215,000	5,888
Net interest income	$1,411,000	6,780
Provision for loan and lease losses	$40,000	5,377
Total noninterest income	$119,000	7,295
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$119,000	5,539
Total noninterest expense	$1,139,000	6,865
Salaries and employee benefits	$659,000	6,710
Premises and equipment expense	$284,000	5,124
Additional noninterest expense	$196,000	7,815
Pre-tax net operating income	$351,000	6,772
Securities gains (losses)	$0	1,388
Applicable income taxes	$135,000	4,591
Income before extraordinary items	$216,000	7,133
Extraordinary gains, net	$0	45
Net income	$216,000	7,137
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	$0	1,045
Net operating income	$216,000	7,133
2006-06-30 (YTD Data)		Rank
Total interest income	$1,747,000	6,453
Total interest expense	$775,000	5,890
Net interest income	$972,000	6,723
Provision for loan and lease losses	$30,000	4,987
Total noninterest income	$76,000	7,394
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$76,000	5,653
Total noninterest expense	$744,000	6,957
Salaries and employee benefits	$431,000	6,801
Premises and equipment expense	$186,000	5,159
Additional noninterest expense	$127,000	7,863
Pre-tax net operating income	$274,000	6,623
Securities gains (losses)	$0	1,185
Applicable income taxes	$105,000	4,457
Income before extraordinary items	$169,000	7,010
Extraordinary gains, net	$0	39
Net income	$169,000	7,013
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	$169,000	7,015
2006-03-31 (YTD Data)		Rank
Total interest income	$846,000	6,504
Total interest expense	$365,000	5,927
Net interest income	$481,000	6,782
Provision for loan and lease losses	$15,000	4,758
Total noninterest income	$40,000	7,310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$40,000	5,532
Total noninterest expense	$370,000	6,972
Salaries and employee benefits	$212,000	6,844
Premises and equipment expense	$93,000	5,175
Additional noninterest expense	$65,000	7,821
Pre-tax net operating income	$136,000	6,604
Securities gains (losses)	$0	955
Applicable income taxes	$52,000	4,445
Income before extraordinary items	$84,000	6,991
Extraordinary gains, net	$0	21
Net income	$84,000	6,992
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	$84,000	6,992
2005-12-31 (YTD Data)		Rank
Total interest income	$2,930,000	6,647
Total interest expense	$1,076,000	6,102
Net interest income	$1,854,000	6,822
Provision for loan and lease losses	$65,000	5,371
Total noninterest income	$166,000	7,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$166,000	5,547
Total noninterest expense	$1,308,000	7,205
Salaries and employee benefits	$698,000	7,277
Premises and equipment expense	$368,000	5,124
Additional noninterest expense	$242,000	7,971
Pre-tax net operating income	$647,000	6,277
Securities gains (losses)	$0	2,296
Applicable income taxes	$244,000	4,394
Income before extraordinary items	$403,000	6,767
Extraordinary gains, net	$0	46
Net income	$403,000	6,769
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	8,316
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$403,000	6,739
2005-09-30 (YTD Data)		Rank
Total interest income	$2,126,000	6,728
Total interest expense	$754,000	6,163
Net interest income	$1,372,000	6,884
Provision for loan and lease losses	$55,000	5,056
Total noninterest income	$124,000	7,383
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$124,000	5,547
Total noninterest expense	$988,000	7,184
Salaries and employee benefits	$533,000	7,208
Premises and equipment expense	$270,000	5,180
Additional noninterest expense	$185,000	7,941
Pre-tax net operating income	$453,000	6,558
Securities gains (losses)	$0	2,317
Applicable income taxes	$171,000	4,649
Income before extraordinary items	$282,000	7,011
Extraordinary gains, net	$0	35
Net income	$282,000	7,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,265
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$282,000	6,973
2005-06-30 (YTD Data)		Rank
Total interest income	$1,358,000	6,787
Total interest expense	$460,000	6,259
Net interest income	$898,000	6,944
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$82,000	7,374
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$82,000	5,563
Total noninterest expense	$652,000	7,218
Salaries and employee benefits	$357,000	7,211
Premises and equipment expense	$172,000	5,325
Additional noninterest expense	$123,000	7,933
Pre-tax net operating income	$298,000	6,587
Securities gains (losses)	$0	2,146
Applicable income taxes	$113,000	4,654
Income before extraordinary items	$185,000	7,041
Extraordinary gains, net	$0	30
Net income	$185,000	7,041
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,259
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$185,000	7,004
2005-03-31 (YTD Data)		Rank
Total interest income	$664,000	6,863
Total interest expense	$222,000	6,271
Net interest income	$442,000	7,027
Provision for loan and lease losses	$20,000	4,626
Total noninterest income	$41,000	7,388
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$41,000	5,596
Total noninterest expense	$328,000	7,257
Salaries and employee benefits	$186,000	7,170
Premises and equipment expense	$83,000	5,458
Additional noninterest expense	$59,000	8,074
Pre-tax net operating income	$135,000	6,753
Securities gains (losses)	$0	1,685
Applicable income taxes	$51,000	4,729
Income before extraordinary items	$84,000	7,161
Extraordinary gains, net	$0	24
Net income	$84,000	7,161
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	$84,000	7,128
2004-12-31 (YTD Data)		Rank
Total interest income	$2,178,000	7,192
Total interest expense	$735,000	6,468
Net interest income	$1,443,000	7,397
Provision for loan and lease losses	$123,000	4,583
Total noninterest income	$173,000	7,403
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$173,000	5,410
Total noninterest expense	$1,110,000	7,602
Salaries and employee benefits	$583,000	7,723
Premises and equipment expense	$327,000	5,430
Additional noninterest expense	$200,000	8,305
Pre-tax net operating income	$383,000	7,149
Securities gains (losses)	$0	3,819
Applicable income taxes	$146,000	5,136
Income before extraordinary items	$237,000	7,471
Extraordinary gains, net	$0	34
Net income	$237,000	7,471
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$4,096,000	253
Net operating income	$237,000	7,422
2004-09-30 (YTD Data)		Rank
Total interest income	$1,571,000	7,304
Total interest expense	$531,000	6,557
Net interest income	$1,040,000	7,494
Provision for loan and lease losses	$68,000	4,952
Total noninterest income	$123,000	7,527
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$123,000	5,520
Total noninterest expense	$839,000	7,562
Salaries and employee benefits	$443,000	7,651
Premises and equipment expense	$248,000	5,369
Additional noninterest expense	$148,000	8,321
Pre-tax net operating income	$256,000	7,436
Securities gains (losses)	$0	3,710
Applicable income taxes	$98,000	5,372
Income before extraordinary items	$158,000	7,731
Extraordinary gains, net	$0	26
Net income	$158,000	7,733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$4,096,000	181
Net operating income	$158,000	7,685
2004-06-30 (YTD Data)		Rank
Total interest income	$994,000	7,458
Total interest expense	$342,000	6,670
Net interest income	$652,000	7,653
Provision for loan and lease losses	$36,000	5,137
Total noninterest income	$78,000	7,635
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$78,000	5,644
Total noninterest expense	$540,000	7,667
Salaries and employee benefits	$274,000	7,866
Premises and equipment expense	$169,000	5,333
Additional noninterest expense	$97,000	8,386
Pre-tax net operating income	$154,000	7,514
Securities gains (losses)	$0	3,413
Applicable income taxes	$59,000	5,455
Income before extraordinary items	$95,000	7,827
Extraordinary gains, net	$0	21
Net income	$95,000	7,828
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	$918,000	229
Net operating income	$95,000	7,760
2004-03-31 (YTD Data)		Rank
Total interest income	$480,000	7,576
Total interest expense	$164,000	6,840
Net interest income	$316,000	7,740
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$40,000	7,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$40,000	5,560
Total noninterest expense	$274,000	7,683
Salaries and employee benefits	$136,000	7,906
Premises and equipment expense	$83,000	5,402
Additional noninterest expense	$55,000	8,277
Pre-tax net operating income	$67,000	7,658
Securities gains (losses)	$0	2,934
Applicable income taxes	$26,000	5,550
Income before extraordinary items	$41,000	7,951
Extraordinary gains, net	$0	16
Net income	$41,000	7,952
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	$41,000	7,891
2003-12-31 (YTD Data)		Rank
Total interest income	$1,744,000	7,827
Total interest expense	$636,000	7,277
Net interest income	$1,108,000	7,943
Provision for loan and lease losses	$84,000	5,577
Total noninterest income	$163,000	7,680
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$163,000	5,670
Total noninterest expense	$1,033,000	7,806
Salaries and employee benefits	$556,000	7,877
Premises and equipment expense	$305,000	5,624
Additional noninterest expense	$172,000	8,618
Pre-tax net operating income	$154,000	7,982
Securities gains (losses)	$7,000	3,771
Applicable income taxes	$63,000	6,123
Income before extraordinary items	$98,000	8,228
Extraordinary gains, net	$0	54
Net income	$98,000	8,232
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	$0	868
Net operating income	$93,520	8,149
2003-09-30 (YTD Data)		Rank
Total interest income	$1,305,000	7,922
Total interest expense	$486,000	7,383
Net interest income	$819,000	8,047
Provision for loan and lease losses	$44,000	6,042
Total noninterest income	$127,000	7,673
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$127,000	5,652
Total noninterest expense	$774,000	7,802
Salaries and employee benefits	$423,000	7,808
Premises and equipment expense	$223,000	5,675
Additional noninterest expense	$128,000	8,646
Pre-tax net operating income	$128,000	8,084
Securities gains (losses)	$0	4,204
Applicable income taxes	$50,000	6,201
Income before extraordinary items	$78,000	8,368
Extraordinary gains, net	$0	40
Net income	$78,000	8,370
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	$0	722
Net operating income	$78,000	8,244
2003-06-30 (YTD Data)		Rank
Total interest income	$878,000	7,959
Total interest expense	$328,000	7,471
Net interest income	$550,000	8,068
Provision for loan and lease losses	$19,000	6,381
Total noninterest income	$74,000	7,888
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$74,000	5,881
Total noninterest expense	$526,000	7,787
Salaries and employee benefits	$294,000	7,736
Premises and equipment expense	$147,000	5,723
Additional noninterest expense	$85,000	8,662
Pre-tax net operating income	$79,000	8,170
Securities gains (losses)	$0	3,782
Applicable income taxes	$31,000	6,314
Income before extraordinary items	$48,000	8,440
Extraordinary gains, net	$0	30
Net income	$48,000	8,441
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	$48,000	8,309
2003-03-31 (YTD Data)		Rank
Total interest income	$434,000	8,035
Total interest expense	$161,000	7,609
Net interest income	$273,000	8,114
Provision for loan and lease losses	$12,000	5,906
Total noninterest income	$35,000	7,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$35,000	5,938
Total noninterest expense	$263,000	7,817
Salaries and employee benefits	$145,000	7,801
Premises and equipment expense	$74,000	5,683
Additional noninterest expense	$44,000	8,661
Pre-tax net operating income	$33,000	8,267
Securities gains (losses)	$0	2,891
Applicable income taxes	$13,000	6,407
Income before extraordinary items	$20,000	8,485
Extraordinary gains, net	$0	21
Net income	$20,000	8,484
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	$20,000	8,369
2002-12-31 (YTD Data)		Rank
Total interest income	$1,496,000	8,393
Total interest expense	$588,000	8,134
Net interest income	$908,000	8,410
Provision for loan and lease losses	$73,000	6,223
Total noninterest income	$117,000	8,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$117,000	6,114
Total noninterest expense	$996,000	7,944
Salaries and employee benefits	$516,000	8,082
Premises and equipment expense	$319,000	5,371
Additional noninterest expense	$161,000	8,806
Pre-tax net operating income	$-44,000	8,700
Securities gains (losses)	$1,000	4,369
Applicable income taxes	$-15,000	8,884
Income before extraordinary items	$-28,000	8,767
Extraordinary gains, net	$0	70
Net income	$-28,000	8,767
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	$0	862
Net operating income	$-28,650	8,693
2001-12-31 (YTD Data)		Rank
Total interest income	$862,000	9,245
Total interest expense	$359,000	9,211
Net interest income	$503,000	9,182
Provision for loan and lease losses	$85,000	5,898
Total noninterest income	$75,000	8,843
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$75,000	7,000
Total noninterest expense	$1,042,000	7,846
Salaries and employee benefits	$595,000	7,696
Premises and equipment expense	$311,000	5,411
Additional noninterest expense	$136,000	9,152
Pre-tax net operating income	$-549,000	9,187
Securities gains (losses)	$0	4,612
Applicable income taxes	$-204,000	9,377
Income before extraordinary items	$-345,000	9,150
Extraordinary gains, net	$0	105
Net income	$-345,000	9,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,344
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-345,000	9,104
2000-12-31 (YTD Data)		Rank
Total interest income	$85,000	9,868
Total interest expense	$17,000	9,835
Net interest income	$68,000	9,859
Provision for loan and lease losses	$15,000	7,764
Total noninterest income	$6,000	9,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$6,000	9,605
Total noninterest expense	$340,000	9,707
Salaries and employee benefits	$180,000	9,678
Premises and equipment expense	$95,000	8,531
Additional noninterest expense	$65,000	9,793
Pre-tax net operating income	$-284,000	9,405
Securities gains (losses)	$0	1,956
Applicable income taxes	$-107,000	9,593
Income before extraordinary items	$-177,000	9,354
Extraordinary gains, net	$0	38
Net income	$-177,000	9,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-177,000	9,354

* 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.