Home > Royal Oaks Bank, ssb > Income and Expense
Royal Oaks Bank, ssb, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,010,000 | 2,545 |
| Total interest expense | $5,980,000 | 2,607 |
| Net interest income | $9,030,000 | 2,503 |
| Provision for loan and lease losses | $368,000 | 2,422 |
| Total noninterest income | $1,005,000 | 3,535 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $417,000 | 3,446 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $588,000 | 3,051 |
| Total noninterest expense | $7,592,000 | 2,332 |
| Salaries and employee benefits | $4,579,000 | 2,134 |
| Premises and equipment expense | $1,184,000 | 2,098 |
| Additional noninterest expense | $1,829,000 | 2,775 |
| Pre-tax net operating income | $2,075,000 | 3,559 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $712,000 | 2,649 |
| Income before extraordinary items | $1,363,000 | 3,986 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,363,000 | 3,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,923 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,363,000 | 3,965 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,790,000 | 2,629 |
| Total interest expense | $4,244,000 | 2,644 |
| Net interest income | $6,546,000 | 2,609 |
| Provision for loan and lease losses | $323,000 | 2,024 |
| Total noninterest income | $704,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $302,000 | 3,557 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $402,000 | 3,211 |
| Total noninterest expense | $5,323,000 | 2,478 |
| Salaries and employee benefits | $3,139,000 | 2,346 |
| Premises and equipment expense | $908,000 | 2,073 |
| Additional noninterest expense | $1,276,000 | 2,959 |
| Pre-tax net operating income | $1,604,000 | 3,638 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $551,000 | 2,726 |
| Income before extraordinary items | $1,053,000 | 4,050 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,053,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,053,000 | 4,038 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,801,000 | 2,712 |
| Total interest expense | $2,624,000 | 2,711 |
| Net interest income | $4,177,000 | 2,700 |
| Provision for loan and lease losses | $177,000 | 2,338 |
| Total noninterest income | $363,000 | 4,261 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $184,000 | 3,732 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 3,952 |
| Total noninterest expense | $3,443,000 | 2,565 |
| Salaries and employee benefits | $2,013,000 | 2,432 |
| Premises and equipment expense | $586,000 | 2,129 |
| Additional noninterest expense | $844,000 | 2,983 |
| Pre-tax net operating income | $920,000 | 3,994 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $320,000 | 2,952 |
| Income before extraordinary items | $600,000 | 4,443 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $600,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,712 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $600,000 | 4,434 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,241,000 | 2,768 |
| Total interest expense | $1,218,000 | 2,765 |
| Net interest income | $2,023,000 | 2,752 |
| Provision for loan and lease losses | $83,000 | 2,300 |
| Total noninterest income | $186,000 | 4,131 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $88,000 | 3,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $98,000 | 3,749 |
| Total noninterest expense | $1,709,000 | 2,585 |
| Salaries and employee benefits | $1,004,000 | 2,437 |
| Premises and equipment expense | $295,000 | 2,134 |
| Additional noninterest expense | $410,000 | 3,054 |
| Pre-tax net operating income | $417,000 | 4,184 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $143,000 | 3,105 |
| Income before extraordinary items | $274,000 | 4,637 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $274,000 | 4,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $274,000 | 4,619 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,865,000 | 2,937 |
| Total interest expense | $3,624,000 | 2,858 |
| Net interest income | $7,241,000 | 2,963 |
| Provision for loan and lease losses | $219,000 | 3,446 |
| Total noninterest income | $680,000 | 4,463 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $399,000 | 3,559 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $281,000 | 4,481 |
| Total noninterest expense | $5,442,000 | 3,010 |
| Salaries and employee benefits | $2,979,000 | 2,984 |
| Premises and equipment expense | $929,000 | 2,523 |
| Additional noninterest expense | $1,534,000 | 3,173 |
| Pre-tax net operating income | $2,260,000 | 3,398 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $758,000 | 2,685 |
| Income before extraordinary items | $1,502,000 | 3,790 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,502,000 | 3,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,698 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,502,000 | 3,757 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,821,000 | 2,986 |
| Total interest expense | $2,559,000 | 2,876 |
| Net interest income | $5,262,000 | 3,018 |
| Provision for loan and lease losses | $214,000 | 2,856 |
| Total noninterest income | $549,000 | 4,279 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $310,000 | 3,485 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $239,000 | 4,209 |
| Total noninterest expense | $3,847,000 | 3,138 |
| Salaries and employee benefits | $2,114,000 | 3,117 |
| Premises and equipment expense | $663,000 | 2,621 |
| Additional noninterest expense | $1,070,000 | 3,327 |
| Pre-tax net operating income | $1,750,000 | 3,366 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $605,000 | 2,620 |
| Income before extraordinary items | $1,145,000 | 3,800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,145,000 | 3,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,593 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,145,000 | 3,752 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,919,000 | 3,081 |
| Total interest expense | $1,627,000 | 2,860 |
| Net interest income | $3,292,000 | 3,153 |
| Provision for loan and lease losses | $128,000 | 2,917 |
| Total noninterest income | $346,000 | 4,396 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $190,000 | 3,623 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $156,000 | 4,227 |
| Total noninterest expense | $2,498,000 | 3,196 |
| Salaries and employee benefits | $1,350,000 | 3,217 |
| Premises and equipment expense | $453,000 | 2,561 |
| Additional noninterest expense | $695,000 | 3,382 |
| Pre-tax net operating income | $1,012,000 | 3,667 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $353,000 | 2,809 |
| Income before extraordinary items | $659,000 | 4,162 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $659,000 | 4,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,327 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $659,000 | 4,109 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 3,138 |
| Total interest expense | $751,000 | 2,949 |
| Net interest income | $1,613,000 | 3,205 |
| Provision for loan and lease losses | $103,000 | 2,011 |
| Total noninterest income | $183,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $102,000 | 3,402 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,172 |
| Total noninterest expense | $1,319,000 | 3,054 |
| Salaries and employee benefits | $709,000 | 3,094 |
| Premises and equipment expense | $233,000 | 2,509 |
| Additional noninterest expense | $377,000 | 3,175 |
| Pre-tax net operating income | $374,000 | 4,449 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $133,000 | 3,303 |
| Income before extraordinary items | $241,000 | 4,955 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $241,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $241,000 | 4,910 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,643,000 | 3,534 |
| Total interest expense | $2,054,000 | 3,569 |
| Net interest income | $5,589,000 | 3,497 |
| Provision for loan and lease losses | $286,000 | 3,024 |
| Total noninterest income | $587,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $357,000 | 3,892 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $230,000 | 4,807 |
| Total noninterest expense | $4,410,000 | 3,477 |
| Salaries and employee benefits | $2,254,000 | 3,625 |
| Premises and equipment expense | $672,000 | 3,234 |
| Additional noninterest expense | $1,484,000 | 3,149 |
| Pre-tax net operating income | $1,480,000 | 4,275 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $526,000 | 3,266 |
| Income before extraordinary items | $954,000 | 4,817 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $954,000 | 4,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,375 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $954,000 | 4,749 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,391,000 | 3,705 |
| Total interest expense | $1,416,000 | 3,781 |
| Net interest income | $3,975,000 | 3,615 |
| Provision for loan and lease losses | $221,000 | 2,840 |
| Total noninterest income | $436,000 | 4,912 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $256,000 | 4,044 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $180,000 | 4,715 |
| Total noninterest expense | $3,143,000 | 3,567 |
| Salaries and employee benefits | $1,590,000 | 3,780 |
| Premises and equipment expense | $475,000 | 3,398 |
| Additional noninterest expense | $1,078,000 | 3,210 |
| Pre-tax net operating income | $1,047,000 | 4,491 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $371,000 | 3,436 |
| Income before extraordinary items | $676,000 | 5,050 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $676,000 | 5,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,903 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $676,000 | 4,959 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 3,864 |
| Total interest expense | $895,000 | 3,944 |
| Net interest income | $2,510,000 | 3,774 |
| Provision for loan and lease losses | $181,000 | 2,355 |
| Total noninterest income | $271,000 | 5,059 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $152,000 | 4,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $119,000 | 4,804 |
| Total noninterest expense | $2,015,000 | 3,713 |
| Salaries and employee benefits | $1,032,000 | 3,883 |
| Premises and equipment expense | $311,000 | 3,442 |
| Additional noninterest expense | $672,000 | 3,418 |
| Pre-tax net operating income | $585,000 | 4,892 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $209,000 | 3,691 |
| Income before extraordinary items | $376,000 | 5,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $376,000 | 5,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,280 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $376,000 | 5,381 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,631,000 | 4,000 |
| Total interest expense | $432,000 | 4,092 |
| Net interest income | $1,199,000 | 3,896 |
| Provision for loan and lease losses | $85,000 | 2,404 |
| Total noninterest income | $125,000 | 5,224 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $66,000 | 4,552 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $59,000 | 4,776 |
| Total noninterest expense | $976,000 | 3,834 |
| Salaries and employee benefits | $494,000 | 4,047 |
| Premises and equipment expense | $153,000 | 3,536 |
| Additional noninterest expense | $329,000 | 3,475 |
| Pre-tax net operating income | $263,000 | 5,139 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $94,000 | 3,887 |
| Income before extraordinary items | $169,000 | 5,733 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $169,000 | 5,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,561 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $169,000 | 5,612 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,094,000 | 4,828 |
| Total interest expense | $1,380,000 | 5,138 |
| Net interest income | $3,714,000 | 4,611 |
| Provision for loan and lease losses | $321,000 | 3,009 |
| Total noninterest income | $445,000 | 5,718 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $245,000 | 4,798 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $200,000 | 5,288 |
| Total noninterest expense | $3,205,000 | 4,405 |
| Salaries and employee benefits | $1,531,000 | 4,783 |
| Premises and equipment expense | $491,000 | 4,125 |
| Additional noninterest expense | $1,183,000 | 3,771 |
| Pre-tax net operating income | $633,000 | 6,229 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $83,000 | 5,907 |
| Income before extraordinary items | $561,000 | 6,089 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $561,000 | 6,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,344 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,089,000 | 268 |
| Net operating income | $551,430 | 5,979 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,633,000 | 5,059 |
| Total interest expense | $1,014,000 | 5,339 |
| Net interest income | $2,619,000 | 4,805 |
| Provision for loan and lease losses | $197,000 | 3,369 |
| Total noninterest income | $275,000 | 6,197 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $174,000 | 4,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 6,060 |
| Total noninterest expense | $2,342,000 | 4,480 |
| Salaries and employee benefits | $1,106,000 | 4,882 |
| Premises and equipment expense | $368,000 | 4,109 |
| Additional noninterest expense | $868,000 | 3,814 |
| Pre-tax net operating income | $355,000 | 6,930 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $8,000 | 7,139 |
| Income before extraordinary items | $358,000 | 6,611 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $358,000 | 6,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,084,000 | 182 |
| Net operating income | $347,220 | 6,494 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,291,000 | 5,288 |
| Total interest expense | $673,000 | 5,471 |
| Net interest income | $1,618,000 | 5,068 |
| Provision for loan and lease losses | $105,000 | 3,773 |
| Total noninterest income | $182,000 | 6,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $119,000 | 4,882 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $63,000 | 6,165 |
| Total noninterest expense | $1,546,000 | 4,490 |
| Salaries and employee benefits | $742,000 | 4,870 |
| Premises and equipment expense | $250,000 | 4,043 |
| Additional noninterest expense | $554,000 | 3,933 |
| Pre-tax net operating income | $149,000 | 7,607 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $-24,000 | 9,041 |
| Income before extraordinary items | $184,000 | 7,122 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $184,000 | 7,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,084,000 | 110 |
| Net operating income | $173,000 | 7,044 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 5,375 |
| Total interest expense | $335,000 | 5,579 |
| Net interest income | $785,000 | 5,157 |
| Provision for loan and lease losses | $44,000 | 4,021 |
| Total noninterest income | $142,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 4,383 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 4,544 |
| Total noninterest expense | $760,000 | 4,529 |
| Salaries and employee benefits | $373,000 | 4,868 |
| Premises and equipment expense | $118,000 | 4,220 |
| Additional noninterest expense | $269,000 | 3,983 |
| Pre-tax net operating income | $123,000 | 6,857 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $42,000 | 5,338 |
| Income before extraordinary items | $81,000 | 7,262 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $81,000 | 7,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $844,000 | 110 |
| Net operating income | $81,000 | 7,110 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 6,703 |
| Total interest expense | $1,104,000 | 6,673 |
| Net interest income | $2,045,000 | 6,554 |
| Provision for loan and lease losses | $223,000 | 4,139 |
| Total noninterest income | $327,000 | 6,265 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $170,000 | 5,598 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $157,000 | 5,501 |
| Total noninterest expense | $2,269,000 | 5,439 |
| Salaries and employee benefits | $1,047,000 | 5,960 |
| Premises and equipment expense | $345,000 | 5,138 |
| Additional noninterest expense | $877,000 | 4,625 |
| Pre-tax net operating income | $-120,000 | 8,778 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $-26,000 | 8,936 |
| Income before extraordinary items | $-84,000 | 8,822 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-84,000 | 8,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $889,000 | 404 |
| Net operating income | $-91,600 | 8,767 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 8,906 |
| Total interest expense | $520,000 | 8,982 |
| Net interest income | $771,000 | 8,724 |
| Provision for loan and lease losses | $268,000 | 3,470 |
| Total noninterest income | $128,000 | 8,125 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $20,000 | 8,125 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $108,000 | 6,258 |
| Total noninterest expense | $1,845,000 | 6,036 |
| Salaries and employee benefits | $974,000 | 6,079 |
| Premises and equipment expense | $260,000 | 5,966 |
| Additional noninterest expense | $611,000 | 5,766 |
| Pre-tax net operating income | $-1,214,000 | 9,411 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-340,000 | 9,442 |
| Income before extraordinary items | $-874,000 | 9,384 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-874,000 | 9,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $6,334,000 | 136 |
| Net operating income | $-874,000 | 9,350 |
* 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.