Home > Seaway Community Bank > Income and Expense
Seaway Community Bank, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,241,000 | 2,873 |
| Total interest expense | $928,000 | 2,577 |
| Net interest income | $5,313,000 | 2,895 |
| Provision for loan and lease losses | $42,000 | 4,120 |
| Total noninterest income | $1,939,000 | 1,833 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $489,000 | 1,937 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,450,000 | 1,593 |
| Total noninterest expense | $4,874,000 | 2,806 |
| Salaries and employee benefits | $1,981,000 | 3,414 |
| Premises and equipment expense | $493,000 | 3,129 |
| Additional noninterest expense | $2,400,000 | 1,955 |
| Pre-tax net operating income | $2,336,000 | 2,171 |
| Securities gains (losses) | $-108,000 | 6,729 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $2,228,000 | 1,950 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,228,000 | 1,957 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,228,000 | 1,956 |
| Net charge-offs | $225,000 | 2,442 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,336,000 | 1,825 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,112,000 | 2,902 |
| Total interest expense | $652,000 | 2,540 |
| Net interest income | $3,460,000 | 2,946 |
| Provision for loan and lease losses | $42,000 | 3,752 |
| Total noninterest income | $962,000 | 2,269 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $302,000 | 2,025 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $660,000 | 2,101 |
| Total noninterest expense | $3,298,000 | 2,770 |
| Salaries and employee benefits | $1,332,000 | 3,416 |
| Premises and equipment expense | $329,000 | 3,144 |
| Additional noninterest expense | $1,637,000 | 1,911 |
| Pre-tax net operating income | $1,082,000 | 2,736 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $1,082,000 | 2,472 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,082,000 | 2,479 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,082,000 | 2,478 |
| Net charge-offs | $106,000 | 2,701 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,082,000 | 2,379 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,043,000 | 2,939 |
| Total interest expense | $327,000 | 2,592 |
| Net interest income | $1,716,000 | 2,964 |
| Provision for loan and lease losses | $42,000 | 3,013 |
| Total noninterest income | $474,000 | 2,309 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $145,000 | 2,082 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $329,000 | 2,107 |
| Total noninterest expense | $1,721,000 | 2,712 |
| Salaries and employee benefits | $723,000 | 3,247 |
| Premises and equipment expense | $170,000 | 3,091 |
| Additional noninterest expense | $828,000 | 1,890 |
| Pre-tax net operating income | $427,000 | 3,186 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $427,000 | 2,909 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $427,000 | 2,909 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $427,000 | 2,911 |
| Net charge-offs | $35,000 | 2,690 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $427,000 | 2,818 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,116,000 | 3,067 |
| Total interest expense | $1,399,000 | 2,870 |
| Net interest income | $6,717,000 | 3,088 |
| Provision for loan and lease losses | $622,000 | 2,411 |
| Total noninterest income | $1,774,000 | 2,373 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $645,000 | 2,038 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,129,000 | 2,224 |
| Total noninterest expense | $6,334,000 | 2,914 |
| Salaries and employee benefits | $2,474,000 | 3,600 |
| Premises and equipment expense | $666,000 | 3,135 |
| Additional noninterest expense | $3,194,000 | 2,034 |
| Pre-tax net operating income | $1,535,000 | 3,295 |
| Securities gains (losses) | $81,000 | 2,424 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,616,000 | 2,979 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,616,000 | 2,980 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,616,000 | 2,981 |
| Net charge-offs | $1,907,000 | 1,201 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,535,000 | 2,955 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,032,000 | 3,157 |
| Total interest expense | $1,056,000 | 2,945 |
| Net interest income | $4,976,000 | 3,170 |
| Provision for loan and lease losses | $378,000 | 2,663 |
| Total noninterest income | $1,212,000 | 2,492 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $468,000 | 2,108 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $744,000 | 2,375 |
| Total noninterest expense | $4,679,000 | 2,959 |
| Salaries and employee benefits | $1,754,000 | 3,750 |
| Premises and equipment expense | $503,000 | 3,152 |
| Additional noninterest expense | $2,422,000 | 2,029 |
| Pre-tax net operating income | $1,131,000 | 3,418 |
| Securities gains (losses) | $81,000 | 2,123 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $1,212,000 | 3,047 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,212,000 | 3,047 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,212,000 | 3,046 |
| Net charge-offs | $1,463,000 | 1,133 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,131,000 | 3,044 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,000,000 | 3,192 |
| Total interest expense | $703,000 | 3,046 |
| Net interest income | $3,297,000 | 3,195 |
| Provision for loan and lease losses | $378,000 | 2,142 |
| Total noninterest income | $802,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $302,000 | 2,149 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $500,000 | 2,325 |
| Total noninterest expense | $3,119,000 | 2,963 |
| Salaries and employee benefits | $1,149,000 | 3,815 |
| Premises and equipment expense | $334,000 | 3,170 |
| Additional noninterest expense | $1,636,000 | 1,993 |
| Pre-tax net operating income | $602,000 | 3,791 |
| Securities gains (losses) | $81,000 | 1,733 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $683,000 | 3,381 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $683,000 | 3,381 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $683,000 | 3,382 |
| Net charge-offs | $1,126,000 | 1,043 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $602,000 | 3,456 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,996,000 | 3,218 |
| Total interest expense | $356,000 | 3,104 |
| Net interest income | $1,640,000 | 3,211 |
| Provision for loan and lease losses | $250,000 | 1,742 |
| Total noninterest income | $371,000 | 2,590 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $144,000 | 2,209 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $227,000 | 2,471 |
| Total noninterest expense | $1,565,000 | 2,943 |
| Salaries and employee benefits | $579,000 | 3,820 |
| Premises and equipment expense | $169,000 | 3,167 |
| Additional noninterest expense | $817,000 | 1,994 |
| Pre-tax net operating income | $196,000 | 4,547 |
| Securities gains (losses) | $81,000 | 999 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $277,000 | 3,785 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $277,000 | 3,788 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $277,000 | 3,788 |
| Net charge-offs | $1,040,000 | 656 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $196,000 | 4,264 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,096,000 | 3,302 |
| Total interest expense | $1,835,000 | 2,949 |
| Net interest income | $6,261,000 | 3,348 |
| Provision for loan and lease losses | $2,005,000 | 1,559 |
| Total noninterest income | $1,292,000 | 2,664 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $602,000 | 2,227 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $690,000 | 2,653 |
| Total noninterest expense | $6,114,000 | 3,012 |
| Salaries and employee benefits | $1,974,000 | 4,202 |
| Premises and equipment expense | $658,000 | 3,330 |
| Additional noninterest expense | $3,482,000 | 1,930 |
| Pre-tax net operating income | $-566,000 | 6,435 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-566,000 | 6,501 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-566,000 | 6,503 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-566,000 | 6,502 |
| Net charge-offs | $3,174,000 | 1,152 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-566,000 | 6,462 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,042,000 | 3,348 |
| Total interest expense | $1,461,000 | 2,926 |
| Net interest income | $4,581,000 | 3,429 |
| Provision for loan and lease losses | $884,000 | 2,138 |
| Total noninterest income | $986,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $451,000 | 2,257 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $535,000 | 2,604 |
| Total noninterest expense | $4,524,000 | 3,043 |
| Salaries and employee benefits | $1,459,000 | 4,245 |
| Premises and equipment expense | $499,000 | 3,354 |
| Additional noninterest expense | $2,566,000 | 1,972 |
| Pre-tax net operating income | $159,000 | 5,616 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $159,000 | 5,669 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $159,000 | 5,669 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $159,000 | 5,669 |
| Net charge-offs | $2,486,000 | 1,052 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $159,000 | 5,537 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,984,000 | 3,406 |
| Total interest expense | $994,000 | 2,967 |
| Net interest income | $2,990,000 | 3,488 |
| Provision for loan and lease losses | $655,000 | 1,965 |
| Total noninterest income | $633,000 | 2,712 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $290,000 | 2,287 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $343,000 | 2,687 |
| Total noninterest expense | $3,055,000 | 3,052 |
| Salaries and employee benefits | $931,000 | 4,389 |
| Premises and equipment expense | $335,000 | 3,371 |
| Additional noninterest expense | $1,789,000 | 1,904 |
| Pre-tax net operating income | $-87,000 | 6,398 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-87,000 | 6,488 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-87,000 | 6,488 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-87,000 | 6,488 |
| Net charge-offs | $1,586,000 | 1,078 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-87,000 | 6,444 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,981,000 | 3,435 |
| Total interest expense | $501,000 | 3,032 |
| Net interest income | $1,480,000 | 3,503 |
| Provision for loan and lease losses | $388,000 | 1,669 |
| Total noninterest income | $371,000 | 2,467 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $137,000 | 2,357 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $234,000 | 2,246 |
| Total noninterest expense | $1,553,000 | 3,016 |
| Salaries and employee benefits | $491,000 | 4,284 |
| Premises and equipment expense | $173,000 | 3,329 |
| Additional noninterest expense | $889,000 | 1,902 |
| Pre-tax net operating income | $-90,000 | 6,665 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-90,000 | 6,696 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-90,000 | 6,696 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-90,000 | 6,696 |
| Net charge-offs | $125,000 | 2,526 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-90,000 | 6,687 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,080,000 | 3,526 |
| Total interest expense | $2,402,000 | 3,094 |
| Net interest income | $5,678,000 | 3,626 |
| Provision for loan and lease losses | $4,519,000 | 1,233 |
| Total noninterest income | $1,354,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $631,000 | 2,203 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $723,000 | 2,641 |
| Total noninterest expense | $5,815,000 | 3,190 |
| Salaries and employee benefits | $1,718,000 | 4,657 |
| Premises and equipment expense | $629,000 | 3,596 |
| Additional noninterest expense | $3,468,000 | 2,020 |
| Pre-tax net operating income | $-3,302,000 | 6,959 |
| Securities gains (losses) | $27,000 | 2,964 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-3,275,000 | 7,035 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,275,000 | 7,035 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,275,000 | 7,036 |
| Net charge-offs | $2,564,000 | 1,606 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,302,000 | 7,016 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,141,000 | 3,561 |
| Total interest expense | $1,864,000 | 3,133 |
| Net interest income | $4,277,000 | 3,656 |
| Provision for loan and lease losses | $3,410,000 | 1,165 |
| Total noninterest income | $937,000 | 2,852 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $481,000 | 2,227 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $456,000 | 2,901 |
| Total noninterest expense | $4,291,000 | 3,233 |
| Salaries and employee benefits | $1,194,000 | 4,936 |
| Premises and equipment expense | $486,000 | 3,562 |
| Additional noninterest expense | $2,611,000 | 1,981 |
| Pre-tax net operating income | $-2,487,000 | 7,133 |
| Securities gains (losses) | $27,000 | 2,762 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,460,000 | 7,203 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,460,000 | 7,202 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,460,000 | 7,203 |
| Net charge-offs | $2,074,000 | 1,475 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,487,000 | 7,185 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,031,000 | 3,629 |
| Total interest expense | $1,258,000 | 3,199 |
| Net interest income | $2,773,000 | 3,738 |
| Provision for loan and lease losses | $2,470,000 | 1,091 |
| Total noninterest income | $593,000 | 2,890 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $318,000 | 2,241 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $275,000 | 2,980 |
| Total noninterest expense | $2,933,000 | 3,172 |
| Salaries and employee benefits | $778,000 | 5,012 |
| Premises and equipment expense | $322,000 | 3,614 |
| Additional noninterest expense | $1,833,000 | 1,892 |
| Pre-tax net operating income | $-2,037,000 | 7,280 |
| Securities gains (losses) | $27,000 | 2,218 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,010,000 | 7,333 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,010,000 | 7,333 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,010,000 | 7,333 |
| Net charge-offs | $1,505,000 | 1,361 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,037,000 | 7,334 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,016,000 | 3,690 |
| Total interest expense | $631,000 | 3,306 |
| Net interest income | $1,385,000 | 3,772 |
| Provision for loan and lease losses | $1,330,000 | 962 |
| Total noninterest income | $332,000 | 2,669 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $155,000 | 2,283 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $177,000 | 2,567 |
| Total noninterest expense | $1,354,000 | 3,426 |
| Salaries and employee benefits | $398,000 | 5,015 |
| Premises and equipment expense | $166,000 | 3,615 |
| Additional noninterest expense | $790,000 | 2,143 |
| Pre-tax net operating income | $-967,000 | 7,409 |
| Securities gains (losses) | $27,000 | 1,400 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-940,000 | 7,453 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-940,000 | 7,453 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-940,000 | 7,454 |
| Net charge-offs | $758,000 | 1,252 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-967,000 | 7,452 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,605,000 | 3,629 |
| Total interest expense | $3,063,000 | 3,360 |
| Net interest income | $5,542,000 | 3,676 |
| Provision for loan and lease losses | $4,861,000 | 1,462 |
| Total noninterest income | $1,486,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $723,000 | 2,189 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $763,000 | 2,537 |
| Total noninterest expense | $5,171,000 | 3,577 |
| Salaries and employee benefits | $1,723,000 | 4,786 |
| Premises and equipment expense | $679,000 | 3,554 |
| Additional noninterest expense | $2,769,000 | 2,519 |
| Pre-tax net operating income | $-3,004,000 | 6,890 |
| Securities gains (losses) | $3,000 | 3,532 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-3,001,000 | 6,996 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,001,000 | 6,995 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,001,000 | 6,995 |
| Net charge-offs | $2,562,000 | 1,771 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,004,000 | 6,996 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 3,652 |
| Total interest expense | $2,378,000 | 3,402 |
| Net interest income | $4,131,000 | 3,710 |
| Provision for loan and lease losses | $2,608,000 | 1,615 |
| Total noninterest income | $1,116,000 | 2,625 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $537,000 | 2,226 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $579,000 | 2,570 |
| Total noninterest expense | $3,903,000 | 3,566 |
| Salaries and employee benefits | $1,318,000 | 4,766 |
| Premises and equipment expense | $533,000 | 3,457 |
| Additional noninterest expense | $2,052,000 | 2,513 |
| Pre-tax net operating income | $-1,264,000 | 6,767 |
| Securities gains (losses) | $3,000 | 3,260 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,261,000 | 6,886 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,261,000 | 6,888 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,261,000 | 6,888 |
| Net charge-offs | $1,082,000 | 2,118 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,264,000 | 6,871 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,376,000 | 3,663 |
| Total interest expense | $1,642,000 | 3,436 |
| Net interest income | $2,734,000 | 3,717 |
| Provision for loan and lease losses | $1,378,000 | 1,724 |
| Total noninterest income | $831,000 | 2,466 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $345,000 | 2,264 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $486,000 | 2,264 |
| Total noninterest expense | $2,705,000 | 3,492 |
| Salaries and employee benefits | $944,000 | 4,608 |
| Premises and equipment expense | $361,000 | 3,453 |
| Additional noninterest expense | $1,400,000 | 2,480 |
| Pre-tax net operating income | $-518,000 | 6,653 |
| Securities gains (losses) | $3,000 | 2,873 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-515,000 | 6,786 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-515,000 | 6,786 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-515,000 | 6,786 |
| Net charge-offs | $543,000 | 2,261 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-518,000 | 6,766 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 3,660 |
| Total interest expense | $866,000 | 3,413 |
| Net interest income | $1,357,000 | 3,725 |
| Provision for loan and lease losses | $898,000 | 1,273 |
| Total noninterest income | $379,000 | 2,599 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $163,000 | 2,291 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $216,000 | 2,404 |
| Total noninterest expense | $1,336,000 | 3,462 |
| Salaries and employee benefits | $489,000 | 4,541 |
| Premises and equipment expense | $184,000 | 3,448 |
| Additional noninterest expense | $663,000 | 2,345 |
| Pre-tax net operating income | $-498,000 | 7,323 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-498,000 | 7,442 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-498,000 | 7,442 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-498,000 | 7,443 |
| Net charge-offs | $428,000 | 1,477 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-498,000 | 7,415 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,229,000 | 3,467 |
| Total interest expense | $4,581,000 | 3,193 |
| Net interest income | $5,648,000 | 3,632 |
| Provision for loan and lease losses | $5,567,000 | 946 |
| Total noninterest income | $1,045,000 | 3,313 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $718,000 | 2,308 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $327,000 | 3,941 |
| Total noninterest expense | $5,085,000 | 3,517 |
| Salaries and employee benefits | $1,862,000 | 4,690 |
| Premises and equipment expense | $744,000 | 3,358 |
| Additional noninterest expense | $2,479,000 | 2,361 |
| Pre-tax net operating income | $-3,959,000 | 7,716 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-3,959,000 | 7,731 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,959,000 | 7,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,090,000 | 979 |
| Cash dividends | $470,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,959,000 | 7,796 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,877,000 | 3,460 |
| Total interest expense | $3,525,000 | 3,232 |
| Net interest income | $4,352,000 | 3,585 |
| Provision for loan and lease losses | $2,572,000 | 1,001 |
| Total noninterest income | $752,000 | 3,485 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $533,000 | 2,332 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $219,000 | 4,251 |
| Total noninterest expense | $3,694,000 | 3,602 |
| Salaries and employee benefits | $1,394,000 | 4,715 |
| Premises and equipment expense | $415,000 | 4,188 |
| Additional noninterest expense | $1,885,000 | 2,269 |
| Pre-tax net operating income | $-1,162,000 | 7,609 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,162,000 | 7,581 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,162,000 | 7,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,566,000 | 709 |
| Cash dividends | $470,000 | 2,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,162,000 | 7,691 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,298,000 | 3,494 |
| Total interest expense | $2,434,000 | 3,253 |
| Net interest income | $2,864,000 | 3,618 |
| Provision for loan and lease losses | $565,000 | 1,778 |
| Total noninterest income | $592,000 | 3,163 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $344,000 | 2,380 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $248,000 | 3,361 |
| Total noninterest expense | $2,425,000 | 3,664 |
| Salaries and employee benefits | $970,000 | 4,629 |
| Premises and equipment expense | $371,000 | 3,417 |
| Additional noninterest expense | $1,084,000 | 2,559 |
| Pre-tax net operating income | $466,000 | 4,497 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $466,000 | 4,153 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $466,000 | 4,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 1,306 |
| Cash dividends | $323,000 | 2,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $466,000 | 4,097 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,673,000 | 3,551 |
| Total interest expense | $1,289,000 | 3,276 |
| Net interest income | $1,384,000 | 3,689 |
| Provision for loan and lease losses | $165,000 | 2,024 |
| Total noninterest income | $303,000 | 3,117 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $174,000 | 2,329 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $129,000 | 3,305 |
| Total noninterest expense | $1,239,000 | 3,606 |
| Salaries and employee benefits | $501,000 | 4,547 |
| Premises and equipment expense | $190,000 | 3,376 |
| Additional noninterest expense | $548,000 | 2,507 |
| Pre-tax net operating income | $283,000 | 4,276 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $283,000 | 3,933 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $283,000 | 3,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,148 |
| Cash dividends | $135,000 | 2,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $283,000 | 3,849 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,741,000 | 3,593 |
| Total interest expense | $5,357,000 | 3,295 |
| Net interest income | $5,384,000 | 3,787 |
| Provision for loan and lease losses | $550,000 | 2,187 |
| Total noninterest income | $1,169,000 | 3,192 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $672,000 | 2,444 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $497,000 | 3,324 |
| Total noninterest expense | $4,833,000 | 3,544 |
| Salaries and employee benefits | $1,924,000 | 4,518 |
| Premises and equipment expense | $724,000 | 3,349 |
| Additional noninterest expense | $2,185,000 | 2,467 |
| Pre-tax net operating income | $1,170,000 | 4,414 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,170,000 | 3,994 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,170,000 | 3,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,707 |
| Cash dividends | $704,000 | 3,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,170,000 | 3,984 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,011,000 | 3,610 |
| Total interest expense | $3,958,000 | 3,321 |
| Net interest income | $4,053,000 | 3,790 |
| Provision for loan and lease losses | $245,000 | 2,643 |
| Total noninterest income | $899,000 | 3,137 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $475,000 | 2,551 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $424,000 | 3,100 |
| Total noninterest expense | $3,704,000 | 3,455 |
| Salaries and employee benefits | $1,529,000 | 4,315 |
| Premises and equipment expense | $557,000 | 3,260 |
| Additional noninterest expense | $1,618,000 | 2,442 |
| Pre-tax net operating income | $1,003,000 | 4,352 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,003,000 | 3,883 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,003,000 | 3,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 1,891 |
| Cash dividends | $566,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,003,000 | 3,871 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,307,000 | 3,629 |
| Total interest expense | $2,606,000 | 3,336 |
| Net interest income | $2,701,000 | 3,822 |
| Provision for loan and lease losses | $105,000 | 3,205 |
| Total noninterest income | $604,000 | 3,133 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $302,000 | 2,635 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $302,000 | 2,998 |
| Total noninterest expense | $2,477,000 | 3,466 |
| Salaries and employee benefits | $1,046,000 | 4,272 |
| Premises and equipment expense | $382,000 | 3,202 |
| Additional noninterest expense | $1,049,000 | 2,523 |
| Pre-tax net operating income | $723,000 | 4,241 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $723,000 | 3,744 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $723,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,727 |
| Cash dividends | $381,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $723,000 | 3,727 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,644,000 | 3,621 |
| Total interest expense | $1,288,000 | 3,344 |
| Net interest income | $1,356,000 | 3,805 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $296,000 | 3,133 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $140,000 | 2,738 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $156,000 | 2,940 |
| Total noninterest expense | $1,275,000 | 3,402 |
| Salaries and employee benefits | $572,000 | 4,016 |
| Premises and equipment expense | $181,000 | 3,371 |
| Additional noninterest expense | $522,000 | 2,521 |
| Pre-tax net operating income | $342,000 | 4,367 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $342,000 | 3,884 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $342,000 | 3,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $142,000 | 2,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $342,000 | 3,858 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,912,000 | 3,597 |
| Total interest expense | $4,366,000 | 3,362 |
| Net interest income | $5,546,000 | 3,733 |
| Provision for loan and lease losses | $375,000 | 2,388 |
| Total noninterest income | $1,207,000 | 3,118 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $622,000 | 2,614 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $585,000 | 3,063 |
| Total noninterest expense | $4,775,000 | 3,473 |
| Salaries and employee benefits | $2,092,000 | 4,133 |
| Premises and equipment expense | $554,000 | 3,989 |
| Additional noninterest expense | $2,129,000 | 2,422 |
| Pre-tax net operating income | $1,603,000 | 4,152 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,603,000 | 3,622 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,603,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,469 |
| Cash dividends | $899,000 | 2,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,603,000 | 3,598 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,300,000 | 3,626 |
| Total interest expense | $3,094,000 | 3,425 |
| Net interest income | $4,206,000 | 3,722 |
| Provision for loan and lease losses | $245,000 | 2,480 |
| Total noninterest income | $969,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $477,000 | 2,580 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $492,000 | 2,869 |
| Total noninterest expense | $3,613,000 | 3,441 |
| Salaries and employee benefits | $1,569,000 | 4,116 |
| Premises and equipment expense | $426,000 | 3,932 |
| Additional noninterest expense | $1,618,000 | 2,389 |
| Pre-tax net operating income | $1,317,000 | 4,074 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,317,000 | 3,509 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,317,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $659,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,317,000 | 3,492 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,709,000 | 3,662 |
| Total interest expense | $1,941,000 | 3,465 |
| Net interest income | $2,768,000 | 3,763 |
| Provision for loan and lease losses | $162,000 | 2,467 |
| Total noninterest income | $655,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $319,000 | 2,544 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $336,000 | 2,816 |
| Total noninterest expense | $2,421,000 | 3,435 |
| Salaries and employee benefits | $1,049,000 | 4,130 |
| Premises and equipment expense | $286,000 | 3,912 |
| Additional noninterest expense | $1,086,000 | 2,380 |
| Pre-tax net operating income | $840,000 | 4,216 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $840,000 | 3,624 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $840,000 | 3,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $438,000 | 2,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $840,000 | 3,611 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 3,703 |
| Total interest expense | $909,000 | 3,506 |
| Net interest income | $1,371,000 | 3,794 |
| Provision for loan and lease losses | $84,000 | 2,291 |
| Total noninterest income | $310,000 | 3,023 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $151,000 | 2,587 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $159,000 | 2,870 |
| Total noninterest expense | $1,192,000 | 3,493 |
| Salaries and employee benefits | $532,000 | 4,109 |
| Premises and equipment expense | $143,000 | 3,936 |
| Additional noninterest expense | $517,000 | 2,471 |
| Pre-tax net operating income | $405,000 | 4,250 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $405,000 | 3,684 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $405,000 | 3,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $198,000 | 2,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $405,000 | 3,666 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,770,000 | 3,834 |
| Total interest expense | $2,885,000 | 3,452 |
| Net interest income | $4,885,000 | 4,022 |
| Provision for loan and lease losses | $294,000 | 2,910 |
| Total noninterest income | $1,176,000 | 3,192 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $375,000 | 3,700 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $801,000 | 2,539 |
| Total noninterest expense | $4,377,000 | 3,608 |
| Salaries and employee benefits | $1,892,000 | 4,297 |
| Premises and equipment expense | $574,000 | 3,790 |
| Additional noninterest expense | $1,911,000 | 2,598 |
| Pre-tax net operating income | $1,390,000 | 4,564 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,390,000 | 3,971 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,390,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,766 |
| Cash dividends | $702,000 | 3,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,390,000 | 3,943 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 3,893 |
| Total interest expense | $2,049,000 | 3,451 |
| Net interest income | $3,575,000 | 4,092 |
| Provision for loan and lease losses | $191,000 | 3,034 |
| Total noninterest income | $853,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $223,000 | 4,226 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $630,000 | 2,486 |
| Total noninterest expense | $3,278,000 | 3,592 |
| Salaries and employee benefits | $1,402,000 | 4,311 |
| Premises and equipment expense | $463,000 | 3,563 |
| Additional noninterest expense | $1,413,000 | 2,603 |
| Pre-tax net operating income | $959,000 | 4,881 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $959,000 | 4,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $959,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $498,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $959,000 | 4,228 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,599,000 | 3,956 |
| Total interest expense | $1,313,000 | 3,396 |
| Net interest income | $2,286,000 | 4,202 |
| Provision for loan and lease losses | $93,000 | 3,464 |
| Total noninterest income | $516,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $404,000 | 2,524 |
| Total noninterest expense | $2,163,000 | 3,595 |
| Salaries and employee benefits | $917,000 | 4,351 |
| Premises and equipment expense | $315,000 | 3,483 |
| Additional noninterest expense | $931,000 | 2,618 |
| Pre-tax net operating income | $546,000 | 5,248 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $546,000 | 4,664 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $546,000 | 4,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $286,000 | 3,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $546,000 | 4,616 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 4,093 |
| Total interest expense | $621,000 | 3,421 |
| Net interest income | $1,082,000 | 4,375 |
| Provision for loan and lease losses | $53,000 | 3,110 |
| Total noninterest income | $248,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $53,000 | 4,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $195,000 | 2,514 |
| Total noninterest expense | $1,072,000 | 3,637 |
| Salaries and employee benefits | $457,000 | 4,390 |
| Premises and equipment expense | $160,000 | 3,459 |
| Additional noninterest expense | $455,000 | 2,664 |
| Pre-tax net operating income | $205,000 | 5,914 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $205,000 | 5,351 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $205,000 | 5,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $111,000 | 2,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $205,000 | 5,322 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,444,000 | 4,575 |
| Total interest expense | $1,741,000 | 4,066 |
| Net interest income | $3,703,000 | 4,722 |
| Provision for loan and lease losses | $356,000 | 2,597 |
| Total noninterest income | $820,000 | 3,981 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $192,000 | 5,312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $628,000 | 2,905 |
| Total noninterest expense | $3,779,000 | 3,916 |
| Salaries and employee benefits | $1,662,000 | 4,597 |
| Premises and equipment expense | $489,000 | 4,158 |
| Additional noninterest expense | $1,628,000 | 2,936 |
| Pre-tax net operating income | $388,000 | 7,131 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $388,000 | 6,840 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $388,000 | 6,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,850 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $388,000 | 6,773 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,844,000 | 4,745 |
| Total interest expense | $1,198,000 | 4,295 |
| Net interest income | $2,646,000 | 4,856 |
| Provision for loan and lease losses | $266,000 | 2,481 |
| Total noninterest income | $605,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $138,000 | 5,445 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $467,000 | 2,918 |
| Total noninterest expense | $2,825,000 | 3,895 |
| Salaries and employee benefits | $1,257,000 | 4,531 |
| Premises and equipment expense | $399,000 | 3,882 |
| Additional noninterest expense | $1,169,000 | 3,007 |
| Pre-tax net operating income | $160,000 | 7,876 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $160,000 | 7,721 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $160,000 | 7,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $160,000 | 7,672 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 4,974 |
| Total interest expense | $756,000 | 4,453 |
| Net interest income | $1,649,000 | 5,096 |
| Provision for loan and lease losses | $107,000 | 3,361 |
| Total noninterest income | $446,000 | 3,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $85,000 | 5,604 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $361,000 | 2,681 |
| Total noninterest expense | $1,889,000 | 3,923 |
| Salaries and employee benefits | $856,000 | 4,492 |
| Premises and equipment expense | $254,000 | 4,022 |
| Additional noninterest expense | $779,000 | 3,006 |
| Pre-tax net operating income | $99,000 | 7,930 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $99,000 | 7,780 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 7,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $99,000 | 7,717 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,149,000 | 5,132 |
| Total interest expense | $366,000 | 4,581 |
| Net interest income | $783,000 | 5,281 |
| Provision for loan and lease losses | $38,000 | 3,803 |
| Total noninterest income | $204,000 | 4,016 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $41,000 | 5,626 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $163,000 | 2,793 |
| Total noninterest expense | $881,000 | 4,157 |
| Salaries and employee benefits | $408,000 | 4,667 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $354,000 | 3,249 |
| Pre-tax net operating income | $68,000 | 7,636 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $68,000 | 7,440 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $68,000 | 7,442 |
| 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 | $68,000 | 7,367 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,902,000 | 5,729 |
| Total interest expense | $1,341,000 | 5,234 |
| Net interest income | $2,561,000 | 5,826 |
| Provision for loan and lease losses | $287,000 | 3,286 |
| Total noninterest income | $1,462,000 | 2,898 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $115,000 | 6,334 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,347,000 | 1,964 |
| Total noninterest expense | $3,342,000 | 4,276 |
| Salaries and employee benefits | $1,550,000 | 4,750 |
| Premises and equipment expense | $368,000 | 5,014 |
| Additional noninterest expense | $1,424,000 | 3,232 |
| Pre-tax net operating income | $394,000 | 7,072 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $394,000 | 6,841 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $394,000 | 6,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,259 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $394,000 | 6,682 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,804,000 | 5,928 |
| Total interest expense | $998,000 | 5,392 |
| Net interest income | $1,806,000 | 6,046 |
| Provision for loan and lease losses | $222,000 | 3,155 |
| Total noninterest income | $1,272,000 | 2,666 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $80,000 | 6,507 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,192,000 | 1,821 |
| Total noninterest expense | $2,562,000 | 4,186 |
| Salaries and employee benefits | $1,207,000 | 4,598 |
| Premises and equipment expense | $299,000 | 4,721 |
| Additional noninterest expense | $1,056,000 | 3,228 |
| Pre-tax net operating income | $294,000 | 7,208 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $294,000 | 6,976 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $294,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,467 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $294,000 | 6,809 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,776,000 | 6,109 |
| Total interest expense | $669,000 | 5,484 |
| Net interest income | $1,107,000 | 6,343 |
| Provision for loan and lease losses | $146,000 | 3,180 |
| Total noninterest income | $820,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $48,000 | 6,655 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $772,000 | 1,838 |
| Total noninterest expense | $1,685,000 | 4,226 |
| Salaries and employee benefits | $776,000 | 4,714 |
| Premises and equipment expense | $212,000 | 4,550 |
| Additional noninterest expense | $697,000 | 3,247 |
| Pre-tax net operating income | $96,000 | 8,043 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $96,000 | 7,995 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $96,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $96,000 | 7,827 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $801,000 | 6,448 |
| Total interest expense | $337,000 | 5,560 |
| Net interest income | $464,000 | 6,865 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $353,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $334,000 | 1,956 |
| Total noninterest expense | $791,000 | 4,398 |
| Salaries and employee benefits | $352,000 | 5,058 |
| Premises and equipment expense | $106,000 | 4,525 |
| Additional noninterest expense | $333,000 | 3,335 |
| Pre-tax net operating income | $21,000 | 8,437 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $21,000 | 8,471 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $21,000 | 8,469 |
| 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 | $21,000 | 8,350 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 7,614 |
| Total interest expense | $766,000 | 7,619 |
| Net interest income | $1,468,000 | 7,482 |
| Provision for loan and lease losses | $572,000 | 2,154 |
| Total noninterest income | $672,000 | 4,439 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $46,000 | 7,595 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $626,000 | 2,893 |
| Total noninterest expense | $1,972,000 | 5,919 |
| Salaries and employee benefits | $848,000 | 6,705 |
| Premises and equipment expense | $257,000 | 6,043 |
| Additional noninterest expense | $867,000 | 4,660 |
| Pre-tax net operating income | $-404,000 | 8,935 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-404,000 | 9,009 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-404,000 | 9,008 |
| 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 | $-404,000 | 8,959 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,000 | 9,605 |
| Total interest expense | $1,000 | 9,592 |
| Net interest income | $20,000 | 9,595 |
| Provision for loan and lease losses | $28,000 | 7,315 |
| Total noninterest income | $1,000 | 9,549 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $97,000 | 9,597 |
| Salaries and employee benefits | $44,000 | 9,582 |
| Premises and equipment expense | $13,000 | 9,542 |
| Additional noninterest expense | $40,000 | 9,577 |
| Pre-tax net operating income | $-104,000 | 8,868 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-104,000 | 8,956 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-104,000 | 8,955 |
| 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 | $5,000,000 | 183 |
| Net operating income | $-104,000 | 8,905 |
* 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.