Home > Rumson-Fair Haven Bank and Trust Company > Income and Expense
Rumson-Fair Haven Bank and Trust Company, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $7,553,000 | 3,065 |
| Total interest expense | $1,379,000 | 2,317 |
| Net interest income | $6,174,000 | 3,200 |
| Provision for loan and lease losses | $140,000 | 3,337 |
| Total noninterest income | $914,000 | 3,372 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $118,000 | 4,986 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $796,000 | 2,675 |
| Total noninterest expense | $6,053,000 | 2,976 |
| Salaries and employee benefits | $2,979,000 | 3,126 |
| Premises and equipment expense | $855,000 | 2,574 |
| Additional noninterest expense | $2,219,000 | 2,753 |
| Pre-tax net operating income | $895,000 | 4,249 |
| Securities gains (losses) | $102,000 | 1,311 |
| Applicable income taxes | $483,000 | 2,197 |
| Income before extraordinary items | $514,000 | 4,874 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $514,000 | 4,877 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $514,000 | 4,877 |
| Net charge-offs | $-71,000 | 6,472 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 402 |
| Net operating income | $448,720 | 4,962 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $5,537,000 | 3,140 |
| Total interest expense | $1,035,000 | 2,381 |
| Net interest income | $4,502,000 | 3,295 |
| Provision for loan and lease losses | $140,000 | 3,010 |
| Total noninterest income | $701,000 | 3,372 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $89,000 | 5,026 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $612,000 | 2,708 |
| Total noninterest expense | $4,159,000 | 3,166 |
| Salaries and employee benefits | $2,132,000 | 3,241 |
| Premises and equipment expense | $628,000 | 2,629 |
| Additional noninterest expense | $1,399,000 | 3,128 |
| Pre-tax net operating income | $904,000 | 3,854 |
| Securities gains (losses) | $102,000 | 1,209 |
| Applicable income taxes | $386,000 | 2,173 |
| Income before extraordinary items | $620,000 | 4,255 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $620,000 | 4,257 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $620,000 | 4,259 |
| Net charge-offs | $-62,000 | 6,508 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $225,000 | 327 |
| Net operating income | $554,720 | 4,363 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,639,000 | 3,192 |
| Total interest expense | $701,000 | 2,391 |
| Net interest income | $2,938,000 | 3,342 |
| Provision for loan and lease losses | $120,000 | 2,706 |
| Total noninterest income | $414,000 | 3,651 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $60,000 | 4,987 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $354,000 | 2,970 |
| Total noninterest expense | $2,685,000 | 3,242 |
| Salaries and employee benefits | $1,446,000 | 3,220 |
| Premises and equipment expense | $418,000 | 2,651 |
| Additional noninterest expense | $821,000 | 3,439 |
| Pre-tax net operating income | $547,000 | 3,978 |
| Securities gains (losses) | $102,000 | 1,105 |
| Applicable income taxes | $224,000 | 2,322 |
| Income before extraordinary items | $425,000 | 4,218 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $425,000 | 4,220 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $425,000 | 4,221 |
| Net charge-offs | $-19,000 | 6,311 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 490 |
| Net operating income | $358,700 | 4,394 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,778,000 | 3,269 |
| Total interest expense | $360,000 | 2,409 |
| Net interest income | $1,418,000 | 3,423 |
| Provision for loan and lease losses | $60,000 | 2,589 |
| Total noninterest income | $188,000 | 3,775 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $33,000 | 4,808 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $155,000 | 3,131 |
| Total noninterest expense | $1,237,000 | 3,483 |
| Salaries and employee benefits | $664,000 | 3,454 |
| Premises and equipment expense | $208,000 | 2,685 |
| Additional noninterest expense | $365,000 | 3,738 |
| Pre-tax net operating income | $309,000 | 3,753 |
| Securities gains (losses) | $102,000 | 677 |
| Applicable income taxes | $146,000 | 2,009 |
| Income before extraordinary items | $265,000 | 3,784 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $265,000 | 3,783 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $265,000 | 3,786 |
| Net charge-offs | $-10,000 | 6,196 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 453 |
| Net operating income | $199,720 | 4,180 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,313,000 | 3,349 |
| Total interest expense | $1,696,000 | 2,471 |
| Net interest income | $5,617,000 | 3,530 |
| Provision for loan and lease losses | $160,000 | 4,210 |
| Total noninterest income | $585,000 | 4,215 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $149,000 | 4,792 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $436,000 | 3,530 |
| Total noninterest expense | $5,352,000 | 3,296 |
| Salaries and employee benefits | $2,669,000 | 3,403 |
| Premises and equipment expense | $884,000 | 2,527 |
| Additional noninterest expense | $1,799,000 | 3,343 |
| Pre-tax net operating income | $690,000 | 4,528 |
| Securities gains (losses) | $751,000 | 684 |
| Applicable income taxes | $480,000 | 2,226 |
| Income before extraordinary items | $961,000 | 3,982 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $961,000 | 3,982 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $961,000 | 3,984 |
| Net charge-offs | $-38,000 | 6,807 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $568,000 | 289 |
| Net operating income | $457,830 | 4,842 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,428,000 | 3,422 |
| Total interest expense | $1,307,000 | 2,507 |
| Net interest income | $4,121,000 | 3,643 |
| Provision for loan and lease losses | $105,000 | 4,297 |
| Total noninterest income | $421,000 | 4,334 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $114,000 | 4,838 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $307,000 | 3,659 |
| Total noninterest expense | $4,098,000 | 3,277 |
| Salaries and employee benefits | $1,917,000 | 3,531 |
| Premises and equipment expense | $664,000 | 2,543 |
| Additional noninterest expense | $1,517,000 | 3,082 |
| Pre-tax net operating income | $339,000 | 5,166 |
| Securities gains (losses) | $746,000 | 547 |
| Applicable income taxes | $363,000 | 2,274 |
| Income before extraordinary items | $722,000 | 4,046 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $722,000 | 4,045 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $722,000 | 4,047 |
| Net charge-offs | $-28,000 | 6,818 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 581 |
| Net operating income | $222,180 | 5,453 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,627,000 | 3,437 |
| Total interest expense | $880,000 | 2,579 |
| Net interest income | $2,747,000 | 3,655 |
| Provision for loan and lease losses | $60,000 | 4,338 |
| Total noninterest income | $289,000 | 4,287 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $76,000 | 4,824 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $213,000 | 3,581 |
| Total noninterest expense | $2,684,000 | 3,337 |
| Salaries and employee benefits | $1,256,000 | 3,583 |
| Premises and equipment expense | $445,000 | 2,544 |
| Additional noninterest expense | $983,000 | 3,168 |
| Pre-tax net operating income | $292,000 | 4,871 |
| Securities gains (losses) | $156,000 | 1,294 |
| Applicable income taxes | $133,000 | 2,830 |
| Income before extraordinary items | $315,000 | 4,742 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $315,000 | 4,745 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $315,000 | 4,745 |
| Net charge-offs | $-19,000 | 6,784 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $205,800 | 5,107 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,819,000 | 3,469 |
| Total interest expense | $445,000 | 2,638 |
| Net interest income | $1,374,000 | 3,672 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $128,000 | 4,541 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $41,000 | 4,661 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $87,000 | 3,904 |
| Total noninterest expense | $1,260,000 | 3,509 |
| Salaries and employee benefits | $614,000 | 3,672 |
| Premises and equipment expense | $227,000 | 2,519 |
| Additional noninterest expense | $419,000 | 3,529 |
| Pre-tax net operating income | $212,000 | 4,428 |
| Securities gains (losses) | $5,000 | 1,907 |
| Applicable income taxes | $67,000 | 2,800 |
| Income before extraordinary items | $150,000 | 4,848 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $150,000 | 4,851 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $150,000 | 4,852 |
| Net charge-offs | $-9,000 | 6,608 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $146,550 | 4,742 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,787,000 | 3,752 |
| Total interest expense | $1,888,000 | 2,889 |
| Net interest income | $4,899,000 | 3,966 |
| Provision for loan and lease losses | $120,000 | 5,149 |
| Total noninterest income | $562,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $192,000 | 4,456 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $370,000 | 3,538 |
| Total noninterest expense | $4,940,000 | 3,573 |
| Salaries and employee benefits | $2,233,000 | 3,873 |
| Premises and equipment expense | $908,000 | 2,619 |
| Additional noninterest expense | $1,799,000 | 3,406 |
| Pre-tax net operating income | $401,000 | 4,977 |
| Securities gains (losses) | $214,000 | 1,396 |
| Applicable income taxes | $163,000 | 3,058 |
| Income before extraordinary items | $452,000 | 4,790 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $452,000 | 4,791 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $452,000 | 4,790 |
| Net charge-offs | $52,000 | 5,452 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $431,000 | 434 |
| Net operating income | $295,780 | 5,155 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,144,000 | 3,770 |
| Total interest expense | $1,407,000 | 3,011 |
| Net interest income | $3,737,000 | 3,927 |
| Provision for loan and lease losses | $90,000 | 5,036 |
| Total noninterest income | $425,000 | 4,199 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $144,000 | 4,469 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $281,000 | 3,552 |
| Total noninterest expense | $3,811,000 | 3,500 |
| Salaries and employee benefits | $1,692,000 | 3,854 |
| Premises and equipment expense | $675,000 | 2,664 |
| Additional noninterest expense | $1,444,000 | 3,250 |
| Pre-tax net operating income | $261,000 | 5,247 |
| Securities gains (losses) | $214,000 | 1,161 |
| Applicable income taxes | $124,000 | 3,048 |
| Income before extraordinary items | $351,000 | 4,843 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $351,000 | 4,844 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $351,000 | 4,844 |
| Net charge-offs | $63,000 | 4,812 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $353,000 | 386 |
| Net operating income | $192,640 | 5,385 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,473,000 | 3,781 |
| Total interest expense | $934,000 | 3,128 |
| Net interest income | $2,539,000 | 3,902 |
| Provision for loan and lease losses | $60,000 | 4,872 |
| Total noninterest income | $288,000 | 4,178 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $101,000 | 4,371 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $187,000 | 3,605 |
| Total noninterest expense | $2,620,000 | 3,459 |
| Salaries and employee benefits | $1,113,000 | 3,921 |
| Premises and equipment expense | $440,000 | 2,731 |
| Additional noninterest expense | $1,067,000 | 3,035 |
| Pre-tax net operating income | $147,000 | 5,416 |
| Securities gains (losses) | $45,000 | 1,655 |
| Applicable income taxes | $27,000 | 3,694 |
| Income before extraordinary items | $165,000 | 5,262 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $165,000 | 5,261 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $165,000 | 5,262 |
| Net charge-offs | $64,000 | 4,268 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 274 |
| Net operating income | $126,300 | 5,429 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 3,759 |
| Total interest expense | $453,000 | 3,292 |
| Net interest income | $1,312,000 | 3,825 |
| Provision for loan and lease losses | $30,000 | 4,582 |
| Total noninterest income | $158,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $53,000 | 4,251 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $105,000 | 3,488 |
| Total noninterest expense | $1,432,000 | 3,219 |
| Salaries and employee benefits | $551,000 | 3,962 |
| Premises and equipment expense | $219,000 | 2,781 |
| Additional noninterest expense | $662,000 | 2,503 |
| Pre-tax net operating income | $8,000 | 6,237 |
| Securities gains (losses) | $50,000 | 760 |
| Applicable income taxes | $-6,000 | 6,967 |
| Income before extraordinary items | $64,000 | 5,497 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $64,000 | 5,495 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $64,000 | 5,496 |
| Net charge-offs | $-10,000 | 6,997 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 364 |
| Net operating income | $14,000 | 6,162 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,316,000 | 3,798 |
| Total interest expense | $2,148,000 | 3,381 |
| Net interest income | $5,168,000 | 3,867 |
| Provision for loan and lease losses | $310,000 | 4,796 |
| Total noninterest income | $423,000 | 4,872 |
| Gross Fiduciary activities income | $1,000 | 1,307 |
| Service charges on deposit accounts | $166,000 | 4,748 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $256,000 | 4,210 |
| Total noninterest expense | $4,652,000 | 3,805 |
| Salaries and employee benefits | $2,141,000 | 4,043 |
| Premises and equipment expense | $783,000 | 3,027 |
| Additional noninterest expense | $1,728,000 | 3,630 |
| Pre-tax net operating income | $629,000 | 4,082 |
| Securities gains (losses) | $448,000 | 970 |
| Applicable income taxes | $331,000 | 2,276 |
| Income before extraordinary items | $746,000 | 3,736 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $746,000 | 3,735 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $746,000 | 3,737 |
| Net charge-offs | $560,000 | 3,502 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $451,000 | 488 |
| Net operating income | $436,880 | 4,354 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,440,000 | 3,894 |
| Total interest expense | $1,650,000 | 3,442 |
| Net interest income | $3,790,000 | 3,982 |
| Provision for loan and lease losses | $265,000 | 4,504 |
| Total noninterest income | $307,000 | 5,010 |
| Gross Fiduciary activities income | $1,000 | 1,261 |
| Service charges on deposit accounts | $119,000 | 4,892 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $187,000 | 4,287 |
| Total noninterest expense | $3,546,000 | 3,776 |
| Salaries and employee benefits | $1,643,000 | 4,008 |
| Premises and equipment expense | $640,000 | 2,880 |
| Additional noninterest expense | $1,263,000 | 3,680 |
| Pre-tax net operating income | $286,000 | 4,907 |
| Securities gains (losses) | $448,000 | 806 |
| Applicable income taxes | $213,000 | 2,494 |
| Income before extraordinary items | $521,000 | 4,032 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $521,000 | 4,035 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $521,000 | 4,035 |
| Net charge-offs | $468,000 | 3,178 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $441,000 | 397 |
| Net operating income | $202,920 | 5,127 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,582,000 | 3,951 |
| Total interest expense | $1,136,000 | 3,448 |
| Net interest income | $2,446,000 | 4,073 |
| Provision for loan and lease losses | $200,000 | 4,223 |
| Total noninterest income | $170,000 | 5,292 |
| Gross Fiduciary activities income | $1,000 | 1,231 |
| Service charges on deposit accounts | $74,000 | 5,022 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $95,000 | 4,716 |
| Total noninterest expense | $2,376,000 | 3,765 |
| Salaries and employee benefits | $1,106,000 | 4,001 |
| Premises and equipment expense | $419,000 | 2,947 |
| Additional noninterest expense | $851,000 | 3,639 |
| Pre-tax net operating income | $40,000 | 5,877 |
| Securities gains (losses) | $307,000 | 697 |
| Applicable income taxes | $69,000 | 3,086 |
| Income before extraordinary items | $278,000 | 4,436 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $278,000 | 4,436 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $278,000 | 4,436 |
| Net charge-offs | $348,000 | 2,870 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 817 |
| Net operating income | $32,400 | 5,917 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,702,000 | 4,155 |
| Total interest expense | $579,000 | 3,530 |
| Net interest income | $1,123,000 | 4,332 |
| Provision for loan and lease losses | $75,000 | 4,293 |
| Total noninterest income | $80,000 | 5,424 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $34,000 | 5,147 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $46,000 | 4,823 |
| Total noninterest expense | $1,146,000 | 3,884 |
| Salaries and employee benefits | $539,000 | 4,130 |
| Premises and equipment expense | $201,000 | 3,102 |
| Additional noninterest expense | $406,000 | 3,761 |
| Pre-tax net operating income | $-18,000 | 6,363 |
| Securities gains (losses) | $169,000 | 579 |
| Applicable income taxes | $43,000 | 2,901 |
| Income before extraordinary items | $108,000 | 4,870 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 4,870 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $108,000 | 4,869 |
| Net charge-offs | $200,000 | 2,434 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 972 |
| Net operating income | $-13,680 | 6,376 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,097,000 | 4,134 |
| Total interest expense | $2,853,000 | 3,544 |
| Net interest income | $4,244,000 | 4,399 |
| Provision for loan and lease losses | $280,000 | 5,369 |
| Total noninterest income | $378,000 | 5,213 |
| Gross Fiduciary activities income | $1,000 | 1,342 |
| Service charges on deposit accounts | $188,000 | 4,751 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $189,000 | 4,724 |
| Total noninterest expense | $4,676,000 | 3,887 |
| Salaries and employee benefits | $2,170,000 | 4,111 |
| Premises and equipment expense | $831,000 | 3,027 |
| Additional noninterest expense | $1,675,000 | 3,780 |
| Pre-tax net operating income | $-334,000 | 5,841 |
| Securities gains (losses) | $1,078,000 | 468 |
| Applicable income taxes | $251,000 | 2,187 |
| Income before extraordinary items | $493,000 | 3,894 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $493,000 | 3,893 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $493,000 | 3,893 |
| Net charge-offs | $288,000 | 4,547 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 930 |
| Net operating income | $-218,480 | 5,845 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,320,000 | 4,191 |
| Total interest expense | $2,171,000 | 3,647 |
| Net interest income | $3,149,000 | 4,445 |
| Provision for loan and lease losses | $205,000 | 5,121 |
| Total noninterest income | $270,000 | 5,385 |
| Gross Fiduciary activities income | $1,000 | 1,297 |
| Service charges on deposit accounts | $143,000 | 4,764 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $126,000 | 5,052 |
| Total noninterest expense | $3,455,000 | 3,940 |
| Salaries and employee benefits | $1,575,000 | 4,237 |
| Premises and equipment expense | $614,000 | 3,102 |
| Additional noninterest expense | $1,266,000 | 3,732 |
| Pre-tax net operating income | $-241,000 | 6,071 |
| Securities gains (losses) | $774,000 | 487 |
| Applicable income taxes | $205,000 | 2,293 |
| Income before extraordinary items | $328,000 | 4,311 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $328,000 | 4,306 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $328,000 | 4,309 |
| Net charge-offs | $287,000 | 3,770 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 880 |
| Net operating income | $-167,360 | 6,057 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 4,220 |
| Total interest expense | $1,476,000 | 3,718 |
| Net interest income | $2,082,000 | 4,464 |
| Provision for loan and lease losses | $130,000 | 4,951 |
| Total noninterest income | $187,000 | 5,338 |
| Gross Fiduciary activities income | $1,000 | 1,272 |
| Service charges on deposit accounts | $96,000 | 4,745 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $90,000 | 4,981 |
| Total noninterest expense | $2,286,000 | 3,985 |
| Salaries and employee benefits | $1,015,000 | 4,391 |
| Premises and equipment expense | $404,000 | 3,153 |
| Additional noninterest expense | $867,000 | 3,656 |
| Pre-tax net operating income | $-147,000 | 6,181 |
| Securities gains (losses) | $458,000 | 545 |
| Applicable income taxes | $114,000 | 2,516 |
| Income before extraordinary items | $197,000 | 4,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 4,550 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $197,000 | 4,550 |
| Net charge-offs | $287,000 | 2,989 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 782 |
| Net operating income | $-96,120 | 6,145 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,752,000 | 4,308 |
| Total interest expense | $754,000 | 3,761 |
| Net interest income | $998,000 | 4,581 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $86,000 | 5,461 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $46,000 | 4,770 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $40,000 | 5,204 |
| Total noninterest expense | $1,118,000 | 3,974 |
| Salaries and employee benefits | $495,000 | 4,498 |
| Premises and equipment expense | $201,000 | 3,215 |
| Additional noninterest expense | $422,000 | 3,430 |
| Pre-tax net operating income | $-64,000 | 6,532 |
| Securities gains (losses) | $214,000 | 638 |
| Applicable income taxes | $53,000 | 2,828 |
| Income before extraordinary items | $97,000 | 4,998 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $97,000 | 5,002 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $97,000 | 5,001 |
| Net charge-offs | $87,000 | 3,021 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 980 |
| Net operating income | $-42,100 | 6,509 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,430,000 | 4,326 |
| Total interest expense | $3,197,000 | 4,067 |
| Net interest income | $4,233,000 | 4,400 |
| Provision for loan and lease losses | $295,000 | 4,660 |
| Total noninterest income | $371,000 | 5,418 |
| Gross Fiduciary activities income | $1,000 | 1,385 |
| Service charges on deposit accounts | $167,000 | 5,111 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $203,000 | 4,807 |
| Total noninterest expense | $3,939,000 | 4,288 |
| Salaries and employee benefits | $1,930,000 | 4,579 |
| Premises and equipment expense | $634,000 | 3,759 |
| Additional noninterest expense | $1,375,000 | 3,859 |
| Pre-tax net operating income | $370,000 | 5,225 |
| Securities gains (losses) | $90,000 | 1,208 |
| Applicable income taxes | $155,000 | 3,035 |
| Income before extraordinary items | $305,000 | 5,092 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $305,000 | 5,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,238 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,185 |
| Net operating income | $245,600 | 5,473 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,667,000 | 4,353 |
| Total interest expense | $2,422,000 | 4,163 |
| Net interest income | $3,245,000 | 4,364 |
| Provision for loan and lease losses | $105,000 | 5,094 |
| Total noninterest income | $287,000 | 5,449 |
| Gross Fiduciary activities income | $1,000 | 1,339 |
| Service charges on deposit accounts | $118,000 | 5,254 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $168,000 | 4,764 |
| Total noninterest expense | $3,084,000 | 4,134 |
| Salaries and employee benefits | $1,502,000 | 4,471 |
| Premises and equipment expense | $477,000 | 3,765 |
| Additional noninterest expense | $1,105,000 | 3,595 |
| Pre-tax net operating income | $343,000 | 5,473 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $96,000 | 3,617 |
| Income before extraordinary items | $247,000 | 5,460 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $247,000 | 5,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,412 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 957 |
| Net operating income | $247,000 | 5,635 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,813,000 | 4,388 |
| Total interest expense | $1,642,000 | 4,257 |
| Net interest income | $2,171,000 | 4,353 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $199,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $76,000 | 5,344 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $123,000 | 4,665 |
| Total noninterest expense | $2,058,000 | 4,155 |
| Salaries and employee benefits | $991,000 | 4,545 |
| Premises and equipment expense | $313,000 | 3,842 |
| Additional noninterest expense | $754,000 | 3,509 |
| Pre-tax net operating income | $252,000 | 5,478 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $53,000 | 4,020 |
| Income before extraordinary items | $199,000 | 5,612 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $199,000 | 5,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 840 |
| Net operating income | $199,000 | 5,551 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,938,000 | 4,410 |
| Total interest expense | $860,000 | 4,313 |
| Net interest income | $1,078,000 | 4,380 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $76,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $36,000 | 5,409 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $40,000 | 5,445 |
| Total noninterest expense | $1,041,000 | 4,122 |
| Salaries and employee benefits | $479,000 | 4,695 |
| Premises and equipment expense | $170,000 | 3,639 |
| Additional noninterest expense | $392,000 | 3,375 |
| Pre-tax net operating income | $83,000 | 6,214 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-17,000 | 7,884 |
| Income before extraordinary items | $100,000 | 5,845 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $100,000 | 5,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 822 |
| Net operating income | $100,000 | 5,753 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,016,000 | 4,358 |
| Total interest expense | $4,030,000 | 3,994 |
| Net interest income | $3,986,000 | 4,634 |
| Provision for loan and lease losses | $150,000 | 4,308 |
| Total noninterest income | $260,000 | 6,311 |
| Gross Fiduciary activities income | $1,000 | 1,439 |
| Service charges on deposit accounts | $103,000 | 5,984 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $156,000 | 5,511 |
| Total noninterest expense | $3,537,000 | 4,482 |
| Salaries and employee benefits | $1,809,000 | 4,736 |
| Premises and equipment expense | $602,000 | 3,831 |
| Additional noninterest expense | $1,126,000 | 4,253 |
| Pre-tax net operating income | $559,000 | 5,794 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-256,000 | 8,171 |
| Income before extraordinary items | $815,000 | 4,756 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $815,000 | 4,757 |
| 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 | $74,000 | 997 |
| Net operating income | $815,000 | 4,734 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,967,000 | 4,388 |
| Total interest expense | $2,992,000 | 4,034 |
| Net interest income | $2,975,000 | 4,660 |
| Provision for loan and lease losses | $130,000 | 3,745 |
| Total noninterest income | $200,000 | 6,301 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $75,000 | 6,058 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $124,000 | 5,418 |
| Total noninterest expense | $2,673,000 | 4,441 |
| Salaries and employee benefits | $1,397,000 | 4,598 |
| Premises and equipment expense | $447,000 | 3,850 |
| Additional noninterest expense | $829,000 | 4,269 |
| Pre-tax net operating income | $372,000 | 6,281 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-211,000 | 8,325 |
| Income before extraordinary items | $583,000 | 5,056 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $583,000 | 5,056 |
| 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 | $63,000 | 856 |
| Net operating income | $583,000 | 5,050 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,865,000 | 4,503 |
| Total interest expense | $1,918,000 | 4,126 |
| Net interest income | $1,947,000 | 4,749 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $134,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $47,000 | 6,168 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $87,000 | 5,361 |
| Total noninterest expense | $1,756,000 | 4,513 |
| Salaries and employee benefits | $925,000 | 4,664 |
| Premises and equipment expense | $294,000 | 3,897 |
| Additional noninterest expense | $537,000 | 4,350 |
| Pre-tax net operating income | $235,000 | 6,449 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-148,000 | 8,433 |
| Income before extraordinary items | $383,000 | 5,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $383,000 | 5,163 |
| 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 | $52,000 | 730 |
| Net operating income | $383,000 | 5,151 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,880,000 | 4,577 |
| Total interest expense | $927,000 | 4,196 |
| Net interest income | $953,000 | 4,826 |
| Provision for loan and lease losses | $40,000 | 3,421 |
| Total noninterest income | $69,000 | 6,268 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $24,000 | 6,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $45,000 | 5,315 |
| Total noninterest expense | $884,000 | 4,492 |
| Salaries and employee benefits | $469,000 | 4,644 |
| Premises and equipment expense | $144,000 | 3,967 |
| Additional noninterest expense | $271,000 | 4,272 |
| Pre-tax net operating income | $98,000 | 6,693 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-83,000 | 8,489 |
| Income before extraordinary items | $181,000 | 5,279 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $181,000 | 5,279 |
| 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 | $42,000 | 526 |
| Net operating income | $181,000 | 5,262 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,994,000 | 4,567 |
| Total interest expense | $3,245,000 | 4,113 |
| Net interest income | $3,749,000 | 4,851 |
| Provision for loan and lease losses | $246,000 | 3,129 |
| Total noninterest income | $148,000 | 7,331 |
| Gross Fiduciary activities income | $2,000 | 1,427 |
| Service charges on deposit accounts | $71,000 | 6,569 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $75,000 | 6,773 |
| Total noninterest expense | $3,118,000 | 4,755 |
| Salaries and employee benefits | $1,570,000 | 5,040 |
| Premises and equipment expense | $519,000 | 4,167 |
| Additional noninterest expense | $1,029,000 | 4,422 |
| Pre-tax net operating income | $533,000 | 6,376 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-302,000 | 8,519 |
| Income before extraordinary items | $835,000 | 5,117 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $835,000 | 5,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,765 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 778 |
| Net operating income | $835,000 | 5,114 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,159,000 | 4,604 |
| Total interest expense | $2,325,000 | 4,150 |
| Net interest income | $2,834,000 | 4,857 |
| Provision for loan and lease losses | $168,000 | 3,219 |
| Total noninterest income | $107,000 | 7,434 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $49,000 | 6,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,753 |
| Total noninterest expense | $2,289,000 | 4,818 |
| Salaries and employee benefits | $1,166,000 | 5,067 |
| Premises and equipment expense | $377,000 | 4,259 |
| Additional noninterest expense | $746,000 | 4,512 |
| Pre-tax net operating income | $484,000 | 6,277 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $34,000 | 5,676 |
| Income before extraordinary items | $450,000 | 5,996 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $450,000 | 5,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $174,000 | 620 |
| Net operating income | $450,000 | 5,993 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,366,000 | 4,626 |
| Total interest expense | $1,480,000 | 4,148 |
| Net interest income | $1,886,000 | 4,888 |
| Provision for loan and lease losses | $89,000 | 3,618 |
| Total noninterest income | $73,000 | 7,453 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $32,000 | 6,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 6,712 |
| Total noninterest expense | $1,537,000 | 4,798 |
| Salaries and employee benefits | $783,000 | 5,056 |
| Premises and equipment expense | $239,000 | 4,399 |
| Additional noninterest expense | $515,000 | 4,388 |
| Pre-tax net operating income | $333,000 | 6,252 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $23,000 | 5,728 |
| Income before extraordinary items | $310,000 | 5,942 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $310,000 | 5,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 524 |
| Net operating income | $310,000 | 5,944 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,625,000 | 4,673 |
| Total interest expense | $702,000 | 4,167 |
| Net interest income | $923,000 | 4,940 |
| Provision for loan and lease losses | $8,000 | 5,456 |
| Total noninterest income | $34,000 | 7,527 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 6,859 |
| Total noninterest expense | $787,000 | 4,746 |
| Salaries and employee benefits | $395,000 | 5,056 |
| Premises and equipment expense | $118,000 | 4,464 |
| Additional noninterest expense | $274,000 | 4,183 |
| Pre-tax net operating income | $162,000 | 6,259 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $12,000 | 5,666 |
| Income before extraordinary items | $150,000 | 5,967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $150,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 308 |
| Net operating income | $150,000 | 5,964 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,608,000 | 4,798 |
| Total interest expense | $2,268,000 | 4,076 |
| Net interest income | $3,340,000 | 5,148 |
| Provision for loan and lease losses | $264,000 | 3,070 |
| Total noninterest income | $141,000 | 7,575 |
| Gross Fiduciary activities income | $14,000 | 1,245 |
| Service charges on deposit accounts | $49,000 | 7,103 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $78,000 | 6,787 |
| Total noninterest expense | $2,709,000 | 5,107 |
| Salaries and employee benefits | $1,306,000 | 5,514 |
| Premises and equipment expense | $464,000 | 4,402 |
| Additional noninterest expense | $939,000 | 4,634 |
| Pre-tax net operating income | $508,000 | 6,725 |
| Securities gains (losses) | $-201,000 | 8,581 |
| Applicable income taxes | $27,000 | 6,197 |
| Income before extraordinary items | $280,000 | 7,261 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $280,000 | 7,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 740 |
| Net operating income | $462,910 | 6,504 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,031,000 | 4,896 |
| Total interest expense | $1,587,000 | 4,138 |
| Net interest income | $2,444,000 | 5,242 |
| Provision for loan and lease losses | $180,000 | 3,127 |
| Total noninterest income | $105,000 | 7,616 |
| Gross Fiduciary activities income | $14,000 | 1,172 |
| Service charges on deposit accounts | $33,000 | 7,220 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $2,026,000 | 5,101 |
| Salaries and employee benefits | $967,000 | 5,528 |
| Premises and equipment expense | $347,000 | 4,392 |
| Additional noninterest expense | $712,000 | 4,574 |
| Pre-tax net operating income | $343,000 | 7,018 |
| Securities gains (losses) | $-146,000 | 8,689 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $179,000 | 7,558 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $179,000 | 7,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 653 |
| Net operating income | $311,860 | 6,813 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,579,000 | 4,962 |
| Total interest expense | $972,000 | 4,220 |
| Net interest income | $1,607,000 | 5,276 |
| Provision for loan and lease losses | $105,000 | 3,281 |
| Total noninterest income | $66,000 | 7,670 |
| Gross Fiduciary activities income | $11,000 | 1,150 |
| Service charges on deposit accounts | $22,000 | 7,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $33,000 | 7,057 |
| Total noninterest expense | $1,358,000 | 5,072 |
| Salaries and employee benefits | $640,000 | 5,530 |
| Premises and equipment expense | $230,000 | 4,380 |
| Additional noninterest expense | $488,000 | 4,463 |
| Pre-tax net operating income | $210,000 | 7,154 |
| Securities gains (losses) | $-91,000 | 8,691 |
| Applicable income taxes | $11,000 | 6,378 |
| Income before extraordinary items | $108,000 | 7,682 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $108,000 | 7,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 614 |
| Net operating income | $190,810 | 6,958 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 5,062 |
| Total interest expense | $457,000 | 4,288 |
| Net interest income | $791,000 | 5,352 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $30,000 | 7,797 |
| Gross Fiduciary activities income | $3,000 | 1,221 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $710,000 | 4,947 |
| Salaries and employee benefits | $334,000 | 5,442 |
| Premises and equipment expense | $114,000 | 4,448 |
| Additional noninterest expense | $262,000 | 4,216 |
| Pre-tax net operating income | $66,000 | 7,690 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $6,000 | 6,318 |
| Income before extraordinary items | $60,000 | 7,587 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $60,000 | 7,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 460 |
| Net operating income | $60,000 | 7,562 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,233,000 | 5,385 |
| Total interest expense | $1,595,000 | 4,350 |
| Net interest income | $2,638,000 | 5,830 |
| Provision for loan and lease losses | $135,000 | 4,427 |
| Total noninterest income | $157,000 | 7,547 |
| Gross Fiduciary activities income | $13,000 | 1,271 |
| Service charges on deposit accounts | $58,000 | 7,153 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,660 |
| Total noninterest expense | $2,568,000 | 5,208 |
| Salaries and employee benefits | $1,229,000 | 5,619 |
| Premises and equipment expense | $440,000 | 4,482 |
| Additional noninterest expense | $899,000 | 4,703 |
| Pre-tax net operating income | $92,000 | 8,138 |
| Securities gains (losses) | $-136,000 | 8,765 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $-45,000 | 8,492 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-45,000 | 8,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $139,000 | 620 |
| Net operating income | $91,000 | 8,093 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,062,000 | 5,489 |
| Total interest expense | $1,158,000 | 4,392 |
| Net interest income | $1,904,000 | 5,962 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $125,000 | 7,507 |
| Gross Fiduciary activities income | $10,000 | 1,242 |
| Service charges on deposit accounts | $46,000 | 7,147 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 6,565 |
| Total noninterest expense | $1,925,000 | 5,161 |
| Salaries and employee benefits | $931,000 | 5,554 |
| Premises and equipment expense | $378,000 | 4,042 |
| Additional noninterest expense | $616,000 | 4,973 |
| Pre-tax net operating income | $-31,000 | 8,530 |
| Securities gains (losses) | $-57,000 | 8,821 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-88,000 | 8,614 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-88,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 637 |
| Net operating income | $-31,000 | 8,529 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 5,651 |
| Total interest expense | $723,000 | 4,585 |
| Net interest income | $1,212,000 | 6,117 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $92,000 | 7,381 |
| Gross Fiduciary activities income | $8,000 | 1,219 |
| Service charges on deposit accounts | $34,000 | 7,049 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $50,000 | 6,428 |
| Total noninterest expense | $1,288,000 | 5,172 |
| Salaries and employee benefits | $624,000 | 5,565 |
| Premises and equipment expense | $261,000 | 3,948 |
| Additional noninterest expense | $403,000 | 5,037 |
| Pre-tax net operating income | $-74,000 | 8,661 |
| Securities gains (losses) | $-57,000 | 8,918 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-131,000 | 8,742 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-131,000 | 8,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 535 |
| Net operating income | $-74,000 | 8,660 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $922,000 | 5,858 |
| Total interest expense | $349,000 | 4,715 |
| Net interest income | $573,000 | 6,296 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $56,000 | 7,006 |
| Gross Fiduciary activities income | $5,000 | 1,183 |
| Service charges on deposit accounts | $18,000 | 6,945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $660,000 | 5,118 |
| Salaries and employee benefits | $315,000 | 5,582 |
| Premises and equipment expense | $128,000 | 4,030 |
| Additional noninterest expense | $217,000 | 4,781 |
| Pre-tax net operating income | $-76,000 | 8,764 |
| Securities gains (losses) | $-10,000 | 8,916 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-86,000 | 8,816 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-86,000 | 8,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,590 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-76,000 | 8,769 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 6,181 |
| Total interest expense | $1,347,000 | 5,220 |
| Net interest income | $1,988,000 | 6,609 |
| Provision for loan and lease losses | $168,000 | 4,383 |
| Total noninterest income | $208,000 | 7,282 |
| Gross Fiduciary activities income | $71,000 | 1,020 |
| Service charges on deposit accounts | $42,000 | 7,551 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $95,000 | 6,619 |
| Total noninterest expense | $2,558,000 | 5,140 |
| Salaries and employee benefits | $1,159,000 | 5,760 |
| Premises and equipment expense | $532,000 | 3,874 |
| Additional noninterest expense | $867,000 | 4,771 |
| Pre-tax net operating income | $-530,000 | 8,833 |
| Securities gains (losses) | $-6,000 | 8,711 |
| Applicable income taxes | $4,000 | 7,246 |
| Income before extraordinary items | $-540,000 | 8,916 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-540,000 | 8,916 |
| 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 | $4,267,000 | 218 |
| Net operating income | $-534,000 | 8,858 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,478,000 | 6,281 |
| Total interest expense | $1,002,000 | 5,377 |
| Net interest income | $1,476,000 | 6,688 |
| Provision for loan and lease losses | $126,000 | 4,268 |
| Total noninterest income | $163,000 | 7,244 |
| Gross Fiduciary activities income | $52,000 | 1,027 |
| Service charges on deposit accounts | $27,000 | 7,700 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 6,382 |
| Total noninterest expense | $1,933,000 | 5,101 |
| Salaries and employee benefits | $913,000 | 5,548 |
| Premises and equipment expense | $403,000 | 3,830 |
| Additional noninterest expense | $617,000 | 4,909 |
| Pre-tax net operating income | $-420,000 | 8,923 |
| Securities gains (losses) | $-1,000 | 8,731 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $-424,000 | 9,001 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-424,000 | 9,001 |
| 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 | $-423,000 | 8,941 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 6,275 |
| Total interest expense | $700,000 | 5,344 |
| Net interest income | $976,000 | 6,709 |
| Provision for loan and lease losses | $84,000 | 4,244 |
| Total noninterest income | $107,000 | 7,271 |
| Gross Fiduciary activities income | $34,000 | 1,032 |
| Service charges on deposit accounts | $18,000 | 7,723 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $55,000 | 6,401 |
| Total noninterest expense | $1,279,000 | 5,122 |
| Salaries and employee benefits | $600,000 | 5,613 |
| Premises and equipment expense | $268,000 | 3,827 |
| Additional noninterest expense | $411,000 | 4,909 |
| Pre-tax net operating income | $-280,000 | 8,976 |
| Securities gains (losses) | $26,000 | 2,455 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $-256,000 | 9,043 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-256,000 | 9,042 |
| 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 | $-282,000 | 8,986 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 6,306 |
| Total interest expense | $356,000 | 5,403 |
| Net interest income | $483,000 | 6,748 |
| Provision for loan and lease losses | $42,000 | 4,061 |
| Total noninterest income | $51,000 | 7,328 |
| Gross Fiduciary activities income | $17,000 | 1,042 |
| Service charges on deposit accounts | $9,000 | 7,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 6,569 |
| Total noninterest expense | $641,000 | 5,116 |
| Salaries and employee benefits | $311,000 | 5,510 |
| Premises and equipment expense | $133,000 | 3,855 |
| Additional noninterest expense | $197,000 | 5,007 |
| Pre-tax net operating income | $-149,000 | 9,034 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $-150,000 | 9,096 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-150,000 | 9,093 |
| 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 | $-150,000 | 9,034 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 6,761 |
| Total interest expense | $1,488,000 | 5,742 |
| Net interest income | $1,608,000 | 7,256 |
| Provision for loan and lease losses | $162,000 | 4,778 |
| Total noninterest income | $140,000 | 7,936 |
| Gross Fiduciary activities income | $53,000 | 1,103 |
| Service charges on deposit accounts | $25,000 | 7,923 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 7,289 |
| Total noninterest expense | $2,509,000 | 5,082 |
| Salaries and employee benefits | $1,239,000 | 5,375 |
| Premises and equipment expense | $382,000 | 4,812 |
| Additional noninterest expense | $888,000 | 4,588 |
| Pre-tax net operating income | $-923,000 | 9,101 |
| Securities gains (losses) | $-6,000 | 8,842 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $-931,000 | 9,162 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-931,000 | 9,159 |
| 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 | $-925,000 | 9,128 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,116,000 | 8,100 |
| Total interest expense | $1,117,000 | 7,782 |
| Net interest income | $999,000 | 8,289 |
| Provision for loan and lease losses | $99,000 | 5,644 |
| Total noninterest income | $59,000 | 9,059 |
| Gross Fiduciary activities income | $12,000 | 1,388 |
| Service charges on deposit accounts | $16,000 | 8,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $31,000 | 8,315 |
| Total noninterest expense | $1,952,000 | 5,831 |
| Salaries and employee benefits | $1,042,000 | 5,846 |
| Premises and equipment expense | $233,000 | 6,313 |
| Additional noninterest expense | $677,000 | 5,408 |
| Pre-tax net operating income | $-993,000 | 9,353 |
| Securities gains (losses) | $32,000 | 2,761 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-961,000 | 9,408 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-961,000 | 9,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-993,000 | 9,384 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $421,000 | 9,735 |
| Total interest expense | $143,000 | 9,714 |
| Net interest income | $278,000 | 9,721 |
| Provision for loan and lease losses | $42,000 | 6,799 |
| Total noninterest income | $4,000 | 9,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 9,721 |
| Total noninterest expense | $878,000 | 8,361 |
| Salaries and employee benefits | $457,000 | 8,457 |
| Premises and equipment expense | $84,000 | 8,716 |
| Additional noninterest expense | $337,000 | 7,651 |
| Pre-tax net operating income | $-638,000 | 9,612 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-638,000 | 9,636 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-638,000 | 9,634 |
| 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 | $9,869,000 | 72 |
| Net operating income | $-638,000 | 9,635 |
* 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.