Home > Second Federal Savings and Loan Association of Chicago > Income and Expense
Second Federal Savings and Loan Association of Chicago, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,825,000 | 3,317 |
| Total interest expense | $942,000 | 2,415 |
| Net interest income | $2,883,000 | 3,544 |
| Provision for loan and lease losses | $3,941,000 | 368 |
| Total noninterest income | $201,000 | 4,853 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $145,000 | 3,583 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $56,000 | 5,344 |
| Total noninterest expense | $4,564,000 | 2,104 |
| Salaries and employee benefits | $2,101,000 | 2,352 |
| Premises and equipment expense | $374,000 | 2,923 |
| Additional noninterest expense | $2,089,000 | 1,611 |
| Pre-tax net operating income | $-5,421,000 | 7,192 |
| Securities gains (losses) | $23,000 | 2,438 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-5,398,000 | 7,197 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,398,000 | 7,197 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-5,398,000 | 7,197 |
| Net charge-offs | $3,607,000 | 447 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-5,421,000 | 7,192 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,947,000 | 3,290 |
| Total interest expense | $479,000 | 2,464 |
| Net interest income | $1,468,000 | 3,514 |
| Provision for loan and lease losses | $980,000 | 632 |
| Total noninterest income | $183,000 | 3,834 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $97,000 | 2,987 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $86,000 | 3,919 |
| Total noninterest expense | $2,265,000 | 2,113 |
| Salaries and employee benefits | $1,056,000 | 2,359 |
| Premises and equipment expense | $374,000 | 1,593 |
| Additional noninterest expense | $835,000 | 1,965 |
| Pre-tax net operating income | $-1,594,000 | 7,218 |
| Securities gains (losses) | $23,000 | 1,538 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,571,000 | 7,228 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,571,000 | 7,228 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,571,000 | 7,228 |
| Net charge-offs | $1,047,000 | 653 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,594,000 | 7,222 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,151,000 | 2,996 |
| Total interest expense | $2,273,000 | 2,508 |
| Net interest income | $6,878,000 | 3,116 |
| Provision for loan and lease losses | $3,086,000 | 1,174 |
| Total noninterest income | $-916,000 | 7,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 6,974 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-916,000 | 7,189 |
| Total noninterest expense | $8,761,000 | 2,177 |
| Salaries and employee benefits | $4,550,000 | 2,126 |
| Premises and equipment expense | $1,452,000 | 1,701 |
| Additional noninterest expense | $2,759,000 | 2,378 |
| Pre-tax net operating income | $-5,885,000 | 7,105 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-5,885,000 | 7,106 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,885,000 | 7,104 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-5,885,000 | 7,105 |
| Net charge-offs | $3,204,000 | 1,145 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-5,885,000 | 7,099 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,038,000 | 2,955 |
| Total interest expense | $1,740,000 | 2,557 |
| Net interest income | $5,298,000 | 3,066 |
| Provision for loan and lease losses | $1,696,000 | 1,393 |
| Total noninterest income | $-703,000 | 7,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-703,000 | 7,279 |
| Total noninterest expense | $6,436,000 | 2,227 |
| Salaries and employee benefits | $3,512,000 | 2,063 |
| Premises and equipment expense | $1,105,000 | 1,711 |
| Additional noninterest expense | $1,819,000 | 2,661 |
| Pre-tax net operating income | $-3,537,000 | 7,146 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,537,000 | 7,191 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,537,000 | 7,188 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,537,000 | 7,191 |
| Net charge-offs | $1,861,000 | 1,282 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-3,537,000 | 7,177 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,771,000 | 2,928 |
| Total interest expense | $1,180,000 | 2,605 |
| Net interest income | $3,591,000 | 3,013 |
| Provision for loan and lease losses | $1,167,000 | 1,373 |
| Total noninterest income | $-462,000 | 7,399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-462,000 | 7,371 |
| Total noninterest expense | $4,216,000 | 2,273 |
| Salaries and employee benefits | $2,335,000 | 2,088 |
| Premises and equipment expense | $755,000 | 1,675 |
| Additional noninterest expense | $1,126,000 | 2,886 |
| Pre-tax net operating income | $-2,254,000 | 7,205 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,254,000 | 7,234 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,254,000 | 7,234 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,254,000 | 7,235 |
| Net charge-offs | $901,000 | 1,563 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,254,000 | 7,224 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 2,817 |
| Total interest expense | $595,000 | 2,659 |
| Net interest income | $1,911,000 | 2,829 |
| Provision for loan and lease losses | $702,000 | 1,126 |
| Total noninterest income | $-213,000 | 7,470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-213,000 | 7,441 |
| Total noninterest expense | $2,135,000 | 2,262 |
| Salaries and employee benefits | $1,203,000 | 2,033 |
| Premises and equipment expense | $383,000 | 1,687 |
| Additional noninterest expense | $549,000 | 2,954 |
| Pre-tax net operating income | $-1,139,000 | 7,300 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,139,000 | 7,319 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,139,000 | 7,319 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,139,000 | 7,320 |
| Net charge-offs | $713,000 | 1,073 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,139,000 | 7,317 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,283,000 | 2,898 |
| Total interest expense | $3,139,000 | 2,502 |
| Net interest income | $7,144,000 | 3,020 |
| Provision for loan and lease losses | $5,534,000 | 1,059 |
| Total noninterest income | $-543,000 | 7,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-543,000 | 7,411 |
| Total noninterest expense | $8,185,000 | 2,363 |
| Salaries and employee benefits | $4,465,000 | 2,170 |
| Premises and equipment expense | $1,456,000 | 1,762 |
| Additional noninterest expense | $2,264,000 | 2,923 |
| Pre-tax net operating income | $-7,118,000 | 7,238 |
| Securities gains (losses) | $53,000 | 2,618 |
| Applicable income taxes | $363,000 | 2,190 |
| Income before extraordinary items | $-7,428,000 | 7,298 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,428,000 | 7,298 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,428,000 | 7,298 |
| Net charge-offs | $6,030,000 | 878 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-7,481,000 | 7,285 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,737,000 | 2,938 |
| Total interest expense | $2,514,000 | 2,462 |
| Net interest income | $5,223,000 | 3,121 |
| Provision for loan and lease losses | $3,978,000 | 1,051 |
| Total noninterest income | $-313,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-313,000 | 7,512 |
| Total noninterest expense | $6,081,000 | 2,383 |
| Salaries and employee benefits | $3,291,000 | 2,209 |
| Premises and equipment expense | $1,041,000 | 1,877 |
| Additional noninterest expense | $1,749,000 | 2,786 |
| Pre-tax net operating income | $-5,149,000 | 7,371 |
| Securities gains (losses) | $30,000 | 2,726 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,119,000 | 7,429 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,119,000 | 7,429 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,119,000 | 7,429 |
| Net charge-offs | $4,335,000 | 866 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-5,149,000 | 7,413 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,234,000 | 2,927 |
| Total interest expense | $1,784,000 | 2,412 |
| Net interest income | $3,450,000 | 3,138 |
| Provision for loan and lease losses | $3,064,000 | 929 |
| Total noninterest income | $-226,000 | 7,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-226,000 | 7,618 |
| Total noninterest expense | $3,957,000 | 2,453 |
| Salaries and employee benefits | $2,121,000 | 2,292 |
| Premises and equipment expense | $675,000 | 1,930 |
| Additional noninterest expense | $1,161,000 | 2,788 |
| Pre-tax net operating income | $-3,797,000 | 7,473 |
| Securities gains (losses) | $9,000 | 2,629 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,788,000 | 7,509 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,788,000 | 7,509 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,788,000 | 7,510 |
| Net charge-offs | $2,976,000 | 836 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,797,000 | 7,508 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,676,000 | 2,922 |
| Total interest expense | $913,000 | 2,462 |
| Net interest income | $1,763,000 | 3,113 |
| Provision for loan and lease losses | $2,465,000 | 636 |
| Total noninterest income | $-79,000 | 7,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-79,000 | 7,713 |
| Total noninterest expense | $1,960,000 | 2,488 |
| Salaries and employee benefits | $1,038,000 | 2,380 |
| Premises and equipment expense | $337,000 | 1,996 |
| Additional noninterest expense | $585,000 | 2,765 |
| Pre-tax net operating income | $-2,741,000 | 7,674 |
| Securities gains (losses) | $3,000 | 1,999 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,738,000 | 7,703 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,738,000 | 7,704 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,738,000 | 7,704 |
| Net charge-offs | $2,628,000 | 541 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,741,000 | 7,696 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,645,000 | 2,607 |
| Total interest expense | $4,874,000 | 2,314 |
| Net interest income | $7,771,000 | 2,795 |
| Provision for loan and lease losses | $10,186,000 | 859 |
| Total noninterest income | $246,000 | 5,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $246,000 | 4,300 |
| Total noninterest expense | $10,398,000 | 1,951 |
| Salaries and employee benefits | $5,264,000 | 1,878 |
| Premises and equipment expense | $1,574,000 | 1,718 |
| Additional noninterest expense | $3,560,000 | 2,032 |
| Pre-tax net operating income | $-12,567,000 | 7,575 |
| Securities gains (losses) | $116,000 | 2,013 |
| Applicable income taxes | $-2,122,000 | 7,532 |
| Income before extraordinary items | $-10,329,000 | 7,570 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-10,329,000 | 7,569 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-10,329,000 | 7,569 |
| Net charge-offs | $9,510,000 | 717 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-10,425,280 | 7,573 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,744,000 | 2,600 |
| Total interest expense | $3,799,000 | 2,328 |
| Net interest income | $5,945,000 | 2,764 |
| Provision for loan and lease losses | $9,007,000 | 679 |
| Total noninterest income | $123,000 | 6,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $123,000 | 5,083 |
| Total noninterest expense | $8,353,000 | 1,822 |
| Salaries and employee benefits | $4,220,000 | 1,781 |
| Premises and equipment expense | $1,210,000 | 1,691 |
| Additional noninterest expense | $2,923,000 | 1,826 |
| Pre-tax net operating income | $-11,292,000 | 7,774 |
| Securities gains (losses) | $36,000 | 2,456 |
| Applicable income taxes | $94,000 | 2,917 |
| Income before extraordinary items | $-11,350,000 | 7,811 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-11,350,000 | 7,810 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-11,350,000 | 7,810 |
| Net charge-offs | $8,350,000 | 582 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-11,386,000 | 7,813 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,609,000 | 2,590 |
| Total interest expense | $2,555,000 | 2,400 |
| Net interest income | $4,054,000 | 2,677 |
| Provision for loan and lease losses | $6,682,000 | 607 |
| Total noninterest income | $135,000 | 5,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $135,000 | 4,297 |
| Total noninterest expense | $4,882,000 | 2,079 |
| Salaries and employee benefits | $2,833,000 | 1,800 |
| Premises and equipment expense | $838,000 | 1,657 |
| Additional noninterest expense | $1,211,000 | 2,800 |
| Pre-tax net operating income | $-7,375,000 | 7,844 |
| Securities gains (losses) | $32,000 | 2,141 |
| Applicable income taxes | $94,000 | 2,680 |
| Income before extraordinary items | $-7,437,000 | 7,895 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,437,000 | 7,894 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,437,000 | 7,894 |
| Net charge-offs | $6,133,000 | 511 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-7,469,000 | 7,900 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,416,000 | 2,545 |
| Total interest expense | $1,318,000 | 2,409 |
| Net interest income | $2,098,000 | 2,583 |
| Provision for loan and lease losses | $3,108,000 | 554 |
| Total noninterest income | $82,000 | 5,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $82,000 | 3,975 |
| Total noninterest expense | $2,316,000 | 2,137 |
| Salaries and employee benefits | $1,444,000 | 1,794 |
| Premises and equipment expense | $437,000 | 1,623 |
| Additional noninterest expense | $435,000 | 3,352 |
| Pre-tax net operating income | $-3,244,000 | 7,957 |
| Securities gains (losses) | $24,000 | 1,606 |
| Applicable income taxes | $-64,000 | 7,465 |
| Income before extraordinary items | $-3,156,000 | 7,983 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,156,000 | 7,984 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,156,000 | 7,984 |
| Net charge-offs | $2,374,000 | 533 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,179,520 | 7,987 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,986,000 | 2,466 |
| Total interest expense | $5,079,000 | 2,923 |
| Net interest income | $9,907,000 | 2,245 |
| Provision for loan and lease losses | $2,385,000 | 1,611 |
| Total noninterest income | $511,000 | 4,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $511,000 | 3,137 |
| Total noninterest expense | $9,988,000 | 1,934 |
| Salaries and employee benefits | $5,940,000 | 1,722 |
| Premises and equipment expense | $1,680,000 | 1,640 |
| Additional noninterest expense | $2,368,000 | 2,459 |
| Pre-tax net operating income | $-1,955,000 | 7,345 |
| Securities gains (losses) | $47,000 | 1,652 |
| Applicable income taxes | $-35,000 | 6,923 |
| Income before extraordinary items | $-1,873,000 | 7,341 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,873,000 | 7,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,684,000 | 1,451 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,919,060 | 7,456 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,419,000 | 2,479 |
| Total interest expense | $3,709,000 | 3,094 |
| Net interest income | $7,710,000 | 2,174 |
| Provision for loan and lease losses | $1,994,000 | 1,196 |
| Total noninterest income | $434,000 | 4,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $434,000 | 3,049 |
| Total noninterest expense | $7,196,000 | 1,994 |
| Salaries and employee benefits | $4,647,000 | 1,673 |
| Premises and equipment expense | $1,312,000 | 1,595 |
| Additional noninterest expense | $1,237,000 | 3,298 |
| Pre-tax net operating income | $-1,046,000 | 7,556 |
| Securities gains (losses) | $37,000 | 1,627 |
| Applicable income taxes | $-361,000 | 7,801 |
| Income before extraordinary items | $-648,000 | 7,303 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-648,000 | 7,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $928,000 | 1,374 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-671,680 | 7,449 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,713,000 | 2,492 |
| Total interest expense | $2,565,000 | 3,111 |
| Net interest income | $5,148,000 | 2,156 |
| Provision for loan and lease losses | $1,463,000 | 969 |
| Total noninterest income | $161,000 | 5,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $161,000 | 4,185 |
| Total noninterest expense | $4,963,000 | 1,934 |
| Salaries and employee benefits | $3,193,000 | 1,646 |
| Premises and equipment expense | $913,000 | 1,526 |
| Additional noninterest expense | $857,000 | 3,149 |
| Pre-tax net operating income | $-1,117,000 | 7,968 |
| Securities gains (losses) | $35,000 | 1,681 |
| Applicable income taxes | $-386,000 | 8,123 |
| Income before extraordinary items | $-696,000 | 7,831 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-696,000 | 7,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $637,000 | 1,138 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-718,400 | 7,827 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,929,000 | 2,513 |
| Total interest expense | $1,352,000 | 3,147 |
| Net interest income | $2,577,000 | 2,145 |
| Provision for loan and lease losses | $752,000 | 752 |
| Total noninterest income | $60,000 | 6,365 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $60,000 | 4,693 |
| Total noninterest expense | $2,513,000 | 1,901 |
| Salaries and employee benefits | $1,661,000 | 1,596 |
| Premises and equipment expense | $436,000 | 1,604 |
| Additional noninterest expense | $416,000 | 3,195 |
| Pre-tax net operating income | $-628,000 | 8,158 |
| Securities gains (losses) | $8,000 | 2,056 |
| Applicable income taxes | $-211,000 | 8,265 |
| Income before extraordinary items | $-409,000 | 8,085 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-409,000 | 8,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 691 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-414,280 | 8,069 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,678,000 | 2,577 |
| Total interest expense | $5,378,000 | 3,286 |
| Net interest income | $10,300,000 | 2,190 |
| Provision for loan and lease losses | $532,000 | 2,240 |
| Total noninterest income | $519,000 | 4,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $519,000 | 3,239 |
| Total noninterest expense | $10,417,000 | 1,783 |
| Salaries and employee benefits | $7,011,000 | 1,442 |
| Premises and equipment expense | $1,635,000 | 1,624 |
| Additional noninterest expense | $1,771,000 | 2,975 |
| Pre-tax net operating income | $-130,000 | 7,585 |
| Securities gains (losses) | $57,000 | 754 |
| Applicable income taxes | $-25,000 | 7,863 |
| Income before extraordinary items | $-48,000 | 7,574 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-48,000 | 7,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 2,230 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-85,620 | 7,597 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,740,000 | 2,583 |
| Total interest expense | $3,964,000 | 3,314 |
| Net interest income | $7,776,000 | 2,193 |
| Provision for loan and lease losses | $223,000 | 2,845 |
| Total noninterest income | $392,000 | 4,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $392,000 | 3,244 |
| Total noninterest expense | $7,798,000 | 1,765 |
| Salaries and employee benefits | $5,265,000 | 1,446 |
| Premises and equipment expense | $1,209,000 | 1,631 |
| Additional noninterest expense | $1,324,000 | 2,926 |
| Pre-tax net operating income | $147,000 | 7,150 |
| Securities gains (losses) | $33,000 | 719 |
| Applicable income taxes | $61,000 | 4,819 |
| Income before extraordinary items | $119,000 | 7,170 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $119,000 | 7,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,965 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $97,220 | 7,272 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,783,000 | 2,617 |
| Total interest expense | $2,634,000 | 3,309 |
| Net interest income | $5,149,000 | 2,237 |
| Provision for loan and lease losses | $106,000 | 3,200 |
| Total noninterest income | $294,000 | 4,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $294,000 | 3,044 |
| Total noninterest expense | $5,135,000 | 1,798 |
| Salaries and employee benefits | $3,496,000 | 1,472 |
| Premises and equipment expense | $797,000 | 1,668 |
| Additional noninterest expense | $842,000 | 3,059 |
| Pre-tax net operating income | $202,000 | 6,619 |
| Securities gains (losses) | $19,000 | 721 |
| Applicable income taxes | $75,000 | 4,410 |
| Income before extraordinary items | $146,000 | 6,780 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $146,000 | 6,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,291 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $133,460 | 6,866 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,837,000 | 2,640 |
| Total interest expense | $1,323,000 | 3,279 |
| Net interest income | $2,514,000 | 2,284 |
| Provision for loan and lease losses | $8,000 | 5,190 |
| Total noninterest income | $129,000 | 4,959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $129,000 | 3,283 |
| Total noninterest expense | $2,572,000 | 1,794 |
| Salaries and employee benefits | $1,792,000 | 1,446 |
| Premises and equipment expense | $404,000 | 1,654 |
| Additional noninterest expense | $376,000 | 3,338 |
| Pre-tax net operating income | $63,000 | 7,134 |
| Securities gains (losses) | $11,000 | 674 |
| Applicable income taxes | $25,000 | 4,759 |
| Income before extraordinary items | $49,000 | 7,167 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $49,000 | 7,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $41,740 | 7,278 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,211,000 | 2,524 |
| Total interest expense | $4,841,000 | 3,114 |
| Net interest income | $10,370,000 | 2,228 |
| Provision for loan and lease losses | $52,000 | 5,539 |
| Total noninterest income | $660,000 | 4,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $660,000 | 2,840 |
| Total noninterest expense | $10,241,000 | 1,745 |
| Salaries and employee benefits | $6,816,000 | 1,451 |
| Premises and equipment expense | $1,476,000 | 1,716 |
| Additional noninterest expense | $1,949,000 | 2,629 |
| Pre-tax net operating income | $737,000 | 5,824 |
| Securities gains (losses) | $104,000 | 530 |
| Applicable income taxes | $287,000 | 3,871 |
| Income before extraordinary items | $554,000 | 5,974 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $554,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,266 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $485,360 | 6,210 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,436,000 | 2,507 |
| Total interest expense | $3,550,000 | 3,077 |
| Net interest income | $7,886,000 | 2,216 |
| Provision for loan and lease losses | $39,000 | 5,442 |
| Total noninterest income | $537,000 | 4,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $537,000 | 2,755 |
| Total noninterest expense | $7,757,000 | 1,725 |
| Salaries and employee benefits | $5,101,000 | 1,458 |
| Premises and equipment expense | $1,115,000 | 1,716 |
| Additional noninterest expense | $1,541,000 | 2,488 |
| Pre-tax net operating income | $627,000 | 5,763 |
| Securities gains (losses) | $73,000 | 486 |
| Applicable income taxes | $239,000 | 3,909 |
| Income before extraordinary items | $461,000 | 5,941 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $461,000 | 5,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,128 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $412,820 | 6,177 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,643,000 | 2,468 |
| Total interest expense | $2,340,000 | 2,992 |
| Net interest income | $5,303,000 | 2,199 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $316,000 | 4,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $316,000 | 2,916 |
| Total noninterest expense | $5,159,000 | 1,731 |
| Salaries and employee benefits | $3,358,000 | 1,477 |
| Premises and equipment expense | $771,000 | 1,663 |
| Additional noninterest expense | $1,030,000 | 2,490 |
| Pre-tax net operating income | $430,000 | 5,737 |
| Securities gains (losses) | $42,000 | 477 |
| Applicable income taxes | $161,000 | 3,915 |
| Income before extraordinary items | $311,000 | 5,932 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $311,000 | 5,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,997 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $283,280 | 6,139 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,852,000 | 2,399 |
| Total interest expense | $1,170,000 | 2,863 |
| Net interest income | $2,682,000 | 2,164 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $167,000 | 4,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $167,000 | 2,779 |
| Total noninterest expense | $2,651,000 | 1,691 |
| Salaries and employee benefits | $1,650,000 | 1,510 |
| Premises and equipment expense | $431,000 | 1,505 |
| Additional noninterest expense | $570,000 | 2,253 |
| Pre-tax net operating income | $188,000 | 5,965 |
| Securities gains (losses) | $12,000 | 541 |
| Applicable income taxes | $68,000 | 4,090 |
| Income before extraordinary items | $132,000 | 6,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 1,517 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $124,080 | 6,350 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,721,000 | 2,002 |
| Total interest expense | $4,345,000 | 2,481 |
| Net interest income | $12,376,000 | 1,771 |
| Provision for loan and lease losses | $309,000 | 2,761 |
| Total noninterest income | $1,072,000 | 3,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,072,000 | 2,112 |
| Total noninterest expense | $10,844,000 | 1,583 |
| Salaries and employee benefits | $6,823,000 | 1,361 |
| Premises and equipment expense | $1,821,000 | 1,351 |
| Additional noninterest expense | $2,200,000 | 2,279 |
| Pre-tax net operating income | $2,295,000 | 3,355 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $781,000 | 2,639 |
| Income before extraordinary items | $1,517,000 | 3,765 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,517,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,419 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,515,020 | 3,732 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,798,000 | 1,912 |
| Total interest expense | $3,169,000 | 2,435 |
| Net interest income | $9,629,000 | 1,688 |
| Provision for loan and lease losses | $305,000 | 2,173 |
| Total noninterest income | $831,000 | 3,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $831,000 | 2,069 |
| Total noninterest expense | $8,131,000 | 1,568 |
| Salaries and employee benefits | $5,122,000 | 1,351 |
| Premises and equipment expense | $1,393,000 | 1,310 |
| Additional noninterest expense | $1,616,000 | 2,282 |
| Pre-tax net operating income | $2,024,000 | 3,027 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $688,000 | 2,421 |
| Income before extraordinary items | $1,336,000 | 3,414 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,336,000 | 3,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,542 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,336,000 | 3,371 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,561,000 | 1,864 |
| Total interest expense | $2,053,000 | 2,377 |
| Net interest income | $6,508,000 | 1,655 |
| Provision for loan and lease losses | $305,000 | 1,488 |
| Total noninterest income | $621,000 | 3,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $621,000 | 1,884 |
| Total noninterest expense | $5,391,000 | 1,567 |
| Salaries and employee benefits | $3,435,000 | 1,334 |
| Premises and equipment expense | $946,000 | 1,273 |
| Additional noninterest expense | $1,010,000 | 2,402 |
| Pre-tax net operating income | $1,433,000 | 2,858 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $487,000 | 2,309 |
| Income before extraordinary items | $946,000 | 3,226 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $946,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,825 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $946,000 | 3,182 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,364,000 | 1,792 |
| Total interest expense | $1,022,000 | 2,298 |
| Net interest income | $3,342,000 | 1,599 |
| Provision for loan and lease losses | $245,000 | 944 |
| Total noninterest income | $176,000 | 4,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $176,000 | 2,694 |
| Total noninterest expense | $2,705,000 | 1,568 |
| Salaries and employee benefits | $1,740,000 | 1,320 |
| Premises and equipment expense | $476,000 | 1,263 |
| Additional noninterest expense | $489,000 | 2,489 |
| Pre-tax net operating income | $568,000 | 3,355 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $193,000 | 2,658 |
| Income before extraordinary items | $375,000 | 3,781 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $375,000 | 3,783 |
| 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 | $0 | 491 |
| Net operating income | $375,000 | 3,742 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,079,000 | 2,007 |
| Total interest expense | $2,662,000 | 2,902 |
| Net interest income | $11,417,000 | 1,769 |
| Provision for loan and lease losses | $733,000 | 1,399 |
| Total noninterest income | $2,521,000 | 1,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,521,000 | 1,121 |
| Total noninterest expense | $10,370,000 | 1,575 |
| Salaries and employee benefits | $6,635,000 | 1,327 |
| Premises and equipment expense | $1,842,000 | 1,237 |
| Additional noninterest expense | $1,893,000 | 2,541 |
| Pre-tax net operating income | $2,835,000 | 2,715 |
| Securities gains (losses) | $53,000 | 1,691 |
| Applicable income taxes | $982,000 | 2,187 |
| Income before extraordinary items | $1,906,000 | 3,042 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,906,000 | 3,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,815 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,871,020 | 3,026 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,882,000 | 2,161 |
| Total interest expense | $1,747,000 | 3,175 |
| Net interest income | $8,135,000 | 1,851 |
| Provision for loan and lease losses | $349,000 | 2,024 |
| Total noninterest income | $927,000 | 3,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $927,000 | 1,871 |
| Total noninterest expense | $7,625,000 | 1,592 |
| Salaries and employee benefits | $4,868,000 | 1,357 |
| Premises and equipment expense | $1,386,000 | 1,244 |
| Additional noninterest expense | $1,371,000 | 2,591 |
| Pre-tax net operating income | $1,088,000 | 4,410 |
| Securities gains (losses) | $53,000 | 1,616 |
| Applicable income taxes | $388,000 | 3,358 |
| Income before extraordinary items | $753,000 | 4,777 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $753,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,941 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $718,020 | 4,800 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,109,000 | 2,308 |
| Total interest expense | $1,081,000 | 3,355 |
| Net interest income | $5,028,000 | 1,981 |
| Provision for loan and lease losses | $189,000 | 2,309 |
| Total noninterest income | $715,000 | 2,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $715,000 | 1,686 |
| Total noninterest expense | $4,995,000 | 1,620 |
| Salaries and employee benefits | $3,164,000 | 1,387 |
| Premises and equipment expense | $888,000 | 1,294 |
| Additional noninterest expense | $943,000 | 2,517 |
| Pre-tax net operating income | $559,000 | 5,012 |
| Securities gains (losses) | $55,000 | 1,393 |
| Applicable income taxes | $209,000 | 3,691 |
| Income before extraordinary items | $405,000 | 5,291 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $405,000 | 5,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $368,700 | 5,447 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 2,354 |
| Total interest expense | $535,000 | 3,435 |
| Net interest income | $2,465,000 | 2,026 |
| Provision for loan and lease losses | $130,000 | 1,707 |
| Total noninterest income | $447,000 | 2,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $447,000 | 1,399 |
| Total noninterest expense | $2,469,000 | 1,651 |
| Salaries and employee benefits | $1,543,000 | 1,439 |
| Premises and equipment expense | $440,000 | 1,320 |
| Additional noninterest expense | $486,000 | 2,429 |
| Pre-tax net operating income | $313,000 | 4,718 |
| Securities gains (losses) | $54,000 | 1,148 |
| Applicable income taxes | $125,000 | 3,416 |
| Income before extraordinary items | $242,000 | 4,839 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $242,000 | 4,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $206,360 | 5,140 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,828,000 | 2,237 |
| Total interest expense | $2,683,000 | 3,165 |
| Net interest income | $10,145,000 | 1,920 |
| Provision for loan and lease losses | $1,533,000 | 809 |
| Total noninterest income | $732,000 | 4,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $732,000 | 2,881 |
| Total noninterest expense | $10,611,000 | 1,509 |
| Salaries and employee benefits | $6,665,000 | 1,286 |
| Premises and equipment expense | $1,856,000 | 1,208 |
| Additional noninterest expense | $2,090,000 | 2,308 |
| Pre-tax net operating income | $-1,267,000 | 9,016 |
| Securities gains (losses) | $203,000 | 1,335 |
| Applicable income taxes | $-362,000 | 9,069 |
| Income before extraordinary items | $-702,000 | 8,968 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-702,000 | 8,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-835,980 | 8,955 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,842,000 | 2,208 |
| Total interest expense | $2,116,000 | 3,129 |
| Net interest income | $7,726,000 | 1,903 |
| Provision for loan and lease losses | $1,503,000 | 646 |
| Total noninterest income | $692,000 | 3,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $692,000 | 2,579 |
| Total noninterest expense | $7,993,000 | 1,506 |
| Salaries and employee benefits | $4,992,000 | 1,312 |
| Premises and equipment expense | $1,391,000 | 1,230 |
| Additional noninterest expense | $1,610,000 | 2,231 |
| Pre-tax net operating income | $-1,078,000 | 9,089 |
| Securities gains (losses) | $202,000 | 1,229 |
| Applicable income taxes | $-298,000 | 9,147 |
| Income before extraordinary items | $-578,000 | 9,045 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-578,000 | 9,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,181 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-711,320 | 9,031 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,696,000 | 2,172 |
| Total interest expense | $1,465,000 | 3,116 |
| Net interest income | $5,231,000 | 1,871 |
| Provision for loan and lease losses | $88,000 | 4,188 |
| Total noninterest income | $480,000 | 3,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $480,000 | 2,502 |
| Total noninterest expense | $5,230,000 | 1,545 |
| Salaries and employee benefits | $3,273,000 | 1,331 |
| Premises and equipment expense | $936,000 | 1,216 |
| Additional noninterest expense | $1,021,000 | 2,322 |
| Pre-tax net operating income | $393,000 | 5,910 |
| Securities gains (losses) | $199,000 | 1,043 |
| Applicable income taxes | $201,000 | 3,962 |
| Income before extraordinary items | $391,000 | 5,474 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $391,000 | 5,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,326 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $259,660 | 6,240 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,488,000 | 2,110 |
| Total interest expense | $747,000 | 3,135 |
| Net interest income | $2,741,000 | 1,774 |
| Provision for loan and lease losses | $36,000 | 4,248 |
| Total noninterest income | $319,000 | 3,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $319,000 | 2,024 |
| Total noninterest expense | $2,672,000 | 1,495 |
| Salaries and employee benefits | $1,662,000 | 1,309 |
| Premises and equipment expense | $485,000 | 1,184 |
| Additional noninterest expense | $525,000 | 2,230 |
| Pre-tax net operating income | $352,000 | 4,376 |
| Securities gains (losses) | $16,000 | 2,005 |
| Applicable income taxes | $125,000 | 3,551 |
| Income before extraordinary items | $243,000 | 4,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $243,000 | 4,787 |
| 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 | $232,440 | 4,719 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,805,000 | 2,077 |
| Total interest expense | $3,885,000 | 2,820 |
| Net interest income | $10,920,000 | 1,770 |
| Provision for loan and lease losses | $197,000 | 4,397 |
| Total noninterest income | $532,000 | 5,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $532,000 | 3,174 |
| Total noninterest expense | $10,619,000 | 1,451 |
| Salaries and employee benefits | $6,668,000 | 1,207 |
| Premises and equipment expense | $1,817,000 | 1,217 |
| Additional noninterest expense | $2,134,000 | 2,177 |
| Pre-tax net operating income | $636,000 | 6,306 |
| Securities gains (losses) | $226,000 | 1,083 |
| Applicable income taxes | $293,000 | 4,482 |
| Income before extraordinary items | $569,000 | 6,102 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $569,000 | 6,102 |
| 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 | $419,840 | 6,620 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,348,000 | 2,100 |
| Total interest expense | $6,183,000 | 2,582 |
| Net interest income | $10,165,000 | 1,756 |
| Provision for loan and lease losses | $144,000 | 4,879 |
| Total noninterest income | $576,000 | 4,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $576,000 | 2,899 |
| Total noninterest expense | $9,557,000 | 1,534 |
| Salaries and employee benefits | $6,089,000 | 1,225 |
| Premises and equipment expense | $1,717,000 | 1,242 |
| Additional noninterest expense | $1,751,000 | 2,536 |
| Pre-tax net operating income | $1,043,000 | 4,805 |
| Securities gains (losses) | $110,000 | 1,676 |
| Applicable income taxes | $391,000 | 3,783 |
| Income before extraordinary items | $762,000 | 5,001 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $762,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,086 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $689,400 | 5,148 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,211,000 | 2,046 |
| Total interest expense | $7,884,000 | 2,166 |
| Net interest income | $9,327,000 | 1,887 |
| Provision for loan and lease losses | $192,000 | 3,840 |
| Total noninterest income | $526,000 | 4,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $526,000 | 2,869 |
| Total noninterest expense | $9,209,000 | 1,520 |
| Salaries and employee benefits | $5,489,000 | 1,287 |
| Premises and equipment expense | $1,443,000 | 1,441 |
| Additional noninterest expense | $2,277,000 | 1,918 |
| Pre-tax net operating income | $452,000 | 7,232 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $152,000 | 5,885 |
| Income before extraordinary items | $298,000 | 7,487 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $298,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,928 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $299,320 | 7,487 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,826,000 | 2,056 |
| Total interest expense | $6,462,000 | 2,283 |
| Net interest income | $9,364,000 | 1,868 |
| Provision for loan and lease losses | $296,000 | 2,719 |
| Total noninterest income | $597,000 | 4,445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $597,000 | 2,641 |
| Total noninterest expense | $8,551,000 | 1,607 |
| Salaries and employee benefits | $4,988,000 | 1,384 |
| Premises and equipment expense | $1,460,000 | 1,383 |
| Additional noninterest expense | $2,103,000 | 2,072 |
| Pre-tax net operating income | $1,114,000 | 4,993 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $382,000 | 4,282 |
| Income before extraordinary items | $732,000 | 5,337 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $732,000 | 5,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,268 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $732,000 | 5,307 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,962,000 | 2,179 |
| Total interest expense | $6,849,000 | 2,213 |
| Net interest income | $8,113,000 | 2,100 |
| Provision for loan and lease losses | $227,000 | 3,250 |
| Total noninterest income | $359,000 | 5,928 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $359,000 | 3,652 |
| Total noninterest expense | $7,495,000 | 1,748 |
| Salaries and employee benefits | $4,297,000 | 1,532 |
| Premises and equipment expense | $1,347,000 | 1,459 |
| Additional noninterest expense | $1,851,000 | 2,260 |
| Pre-tax net operating income | $750,000 | 6,296 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $266,000 | 5,488 |
| Income before extraordinary items | $498,000 | 6,627 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $498,000 | 6,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,326 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $488,900 | 6,568 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,539,000 | 2,410 |
| Total interest expense | $6,100,000 | 2,459 |
| Net interest income | $7,439,000 | 2,349 |
| Provision for loan and lease losses | $214,000 | 3,302 |
| Total noninterest income | $256,000 | 7,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $256,000 | 4,304 |
| Total noninterest expense | $6,615,000 | 1,954 |
| Salaries and employee benefits | $3,902,000 | 1,685 |
| Premises and equipment expense | $1,192,000 | 1,643 |
| Additional noninterest expense | $1,521,000 | 2,699 |
| Pre-tax net operating income | $866,000 | 6,266 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $300,000 | 5,716 |
| Income before extraordinary items | $566,000 | 6,558 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $566,000 | 6,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $566,000 | 6,507 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,672,000 | 2,639 |
| Total interest expense | $5,740,000 | 2,653 |
| Net interest income | $6,932,000 | 2,547 |
| Provision for loan and lease losses | $141,000 | 4,225 |
| Total noninterest income | $263,000 | 7,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $263,000 | 4,407 |
| Total noninterest expense | $6,752,000 | 2,060 |
| Salaries and employee benefits | $3,268,000 | 2,025 |
| Premises and equipment expense | $1,084,000 | 1,852 |
| Additional noninterest expense | $2,400,000 | 2,082 |
| Pre-tax net operating income | $302,000 | 9,117 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $87,000 | 8,980 |
| Income before extraordinary items | $225,000 | 9,053 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $225,000 | 9,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $217,800 | 9,084 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,936,000 | 2,800 |
| Total interest expense | $5,567,000 | 2,753 |
| Net interest income | $6,369,000 | 2,802 |
| Provision for loan and lease losses | $118,000 | 4,263 |
| Total noninterest income | $369,000 | 6,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $369,000 | 3,489 |
| Total noninterest expense | $5,442,000 | 2,500 |
| Salaries and employee benefits | $3,038,000 | 2,188 |
| Premises and equipment expense | $963,000 | 2,090 |
| Additional noninterest expense | $1,441,000 | 3,193 |
| Pre-tax net operating income | $1,178,000 | 5,312 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $363,000 | 5,291 |
| Income before extraordinary items | $831,000 | 5,298 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $831,000 | 5,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $819,800 | 5,327 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,417,000 | 2,653 |
| Total interest expense | $4,537,000 | 2,699 |
| Net interest income | $6,880,000 | 2,622 |
| Provision for loan and lease losses | $87,000 | 4,874 |
| Total noninterest income | $233,000 | 8,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $233,000 | 4,786 |
| Total noninterest expense | $5,087,000 | 2,735 |
| Salaries and employee benefits | $2,948,000 | 2,267 |
| Premises and equipment expense | $856,000 | 2,366 |
| Additional noninterest expense | $1,283,000 | 3,818 |
| Pre-tax net operating income | $1,939,000 | 3,515 |
| Securities gains (losses) | $28,000 | 1,509 |
| Applicable income taxes | $670,000 | 3,194 |
| Income before extraordinary items | $1,297,000 | 3,600 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,297,000 | 3,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,278,520 | 3,686 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,995,000 | 2,574 |
| Total interest expense | $4,863,000 | 2,638 |
| Net interest income | $7,132,000 | 2,515 |
| Provision for loan and lease losses | $84,000 | 6,228 |
| Total noninterest income | $373,000 | 6,771 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $373,000 | 3,930 |
| Total noninterest expense | $4,685,000 | 3,019 |
| Salaries and employee benefits | $2,707,000 | 2,459 |
| Premises and equipment expense | $742,000 | 2,730 |
| Additional noninterest expense | $1,236,000 | 4,094 |
| Pre-tax net operating income | $2,736,000 | 2,505 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $934,000 | 2,429 |
| Income before extraordinary items | $1,804,000 | 2,757 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,804,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,866 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,802,680 | 2,607 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,193,000 | 2,674 |
| Total interest expense | $6,773,000 | 2,495 |
| Net interest income | $6,420,000 | 2,849 |
| Provision for loan and lease losses | $95,000 | 7,436 |
| Total noninterest income | $153,000 | 10,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $153,000 | 6,572 |
| Total noninterest expense | $4,154,000 | 3,387 |
| Salaries and employee benefits | $2,318,000 | 2,800 |
| Premises and equipment expense | $654,000 | 3,107 |
| Additional noninterest expense | $1,182,000 | 4,394 |
| Pre-tax net operating income | $2,324,000 | 2,682 |
| Securities gains (losses) | $122,000 | 2,695 |
| Applicable income taxes | $862,000 | 2,416 |
| Income before extraordinary items | $1,584,000 | 2,906 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,584,000 | 2,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,504,700 | 2,837 |
* 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.