Home > Security Business Bank of San Diego > Income and Expense
Security Business Bank of San Diego, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 2,660 |
| Total interest expense | $209,000 | 5,695 |
| Net interest income | $4,729,000 | 2,307 |
| Provision for loan and lease losses | $75,000 | 4,155 |
| Total noninterest income | $462,000 | 3,380 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $306,000 | 2,124 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $156,000 | 4,015 |
| Total noninterest expense | $4,172,000 | 2,289 |
| Salaries and employee benefits | $2,294,000 | 2,173 |
| Premises and equipment expense | $505,000 | 2,267 |
| Additional noninterest expense | $1,373,000 | 2,363 |
| Pre-tax net operating income | $944,000 | 2,966 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $366,000 | 1,821 |
| Income before extraordinary items | $578,000 | 3,722 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $578,000 | 3,723 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $578,000 | 3,724 |
| Net charge-offs | $43,000 | 4,152 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 553 |
| Net operating income | $578,000 | 3,529 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 2,657 |
| Total interest expense | $111,000 | 5,690 |
| Net interest income | $2,387,000 | 2,294 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $223,000 | 3,449 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $154,000 | 2,090 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $69,000 | 4,238 |
| Total noninterest expense | $2,020,000 | 2,343 |
| Salaries and employee benefits | $1,135,000 | 2,202 |
| Premises and equipment expense | $255,000 | 2,268 |
| Additional noninterest expense | $630,000 | 2,531 |
| Pre-tax net operating income | $515,000 | 2,826 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $201,000 | 1,720 |
| Income before extraordinary items | $314,000 | 3,557 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $314,000 | 3,560 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $314,000 | 3,560 |
| Net charge-offs | $46,000 | 3,075 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 485 |
| Net operating income | $314,000 | 3,390 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,064,000 | 2,744 |
| Total interest expense | $579,000 | 5,584 |
| Net interest income | $9,485,000 | 2,302 |
| Provision for loan and lease losses | $1,960,000 | 1,596 |
| Total noninterest income | $944,000 | 3,215 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $651,000 | 2,105 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $293,000 | 3,905 |
| Total noninterest expense | $8,644,000 | 2,197 |
| Salaries and employee benefits | $4,704,000 | 2,060 |
| Premises and equipment expense | $1,004,000 | 2,407 |
| Additional noninterest expense | $2,936,000 | 2,246 |
| Pre-tax net operating income | $-175,000 | 6,212 |
| Securities gains (losses) | $450,000 | 858 |
| Applicable income taxes | $74,000 | 3,556 |
| Income before extraordinary items | $201,000 | 5,553 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $201,000 | 5,554 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $201,000 | 5,554 |
| Net charge-offs | $2,526,000 | 1,343 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $2,620,000 | 214 |
| Net operating income | $-127,500 | 6,204 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,527,000 | 2,780 |
| Total interest expense | $452,000 | 5,619 |
| Net interest income | $7,075,000 | 2,321 |
| Provision for loan and lease losses | $1,660,000 | 1,411 |
| Total noninterest income | $713,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $490,000 | 2,115 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $223,000 | 3,939 |
| Total noninterest expense | $6,531,000 | 2,192 |
| Salaries and employee benefits | $3,556,000 | 2,025 |
| Premises and equipment expense | $742,000 | 2,453 |
| Additional noninterest expense | $2,233,000 | 2,226 |
| Pre-tax net operating income | $-403,000 | 6,542 |
| Securities gains (losses) | $450,000 | 699 |
| Applicable income taxes | $-11,000 | 6,795 |
| Income before extraordinary items | $58,000 | 6,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 6,056 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $58,000 | 6,056 |
| Net charge-offs | $2,208,000 | 1,144 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $2,596,000 | 184 |
| Net operating income | $-392,000 | 6,582 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,993,000 | 2,806 |
| Total interest expense | $309,000 | 5,692 |
| Net interest income | $4,684,000 | 2,342 |
| Provision for loan and lease losses | $460,000 | 2,409 |
| Total noninterest income | $482,000 | 3,186 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $331,000 | 2,068 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $151,000 | 3,942 |
| Total noninterest expense | $4,332,000 | 2,223 |
| Salaries and employee benefits | $2,424,000 | 2,015 |
| Premises and equipment expense | $471,000 | 2,569 |
| Additional noninterest expense | $1,437,000 | 2,336 |
| Pre-tax net operating income | $374,000 | 4,303 |
| Securities gains (losses) | $275,000 | 578 |
| Applicable income taxes | $249,000 | 1,993 |
| Income before extraordinary items | $400,000 | 3,979 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $400,000 | 3,980 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $400,000 | 3,981 |
| Net charge-offs | $714,000 | 1,779 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 523 |
| Net operating income | $224,000 | 4,775 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,502,000 | 2,824 |
| Total interest expense | $159,000 | 5,734 |
| Net interest income | $2,343,000 | 2,332 |
| Provision for loan and lease losses | $125,000 | 3,068 |
| Total noninterest income | $237,000 | 3,258 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $169,000 | 2,003 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $68,000 | 4,183 |
| Total noninterest expense | $2,111,000 | 2,297 |
| Salaries and employee benefits | $1,188,000 | 2,054 |
| Premises and equipment expense | $237,000 | 2,597 |
| Additional noninterest expense | $686,000 | 2,416 |
| Pre-tax net operating income | $344,000 | 3,271 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $135,000 | 1,882 |
| Income before extraordinary items | $209,000 | 3,906 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $209,000 | 3,905 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $209,000 | 3,906 |
| Net charge-offs | $714,000 | 1,070 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 413 |
| Net operating income | $209,000 | 3,858 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,443,000 | 3,096 |
| Total interest expense | $801,000 | 5,704 |
| Net interest income | $8,642,000 | 2,547 |
| Provision for loan and lease losses | $2,750,000 | 1,709 |
| Total noninterest income | $941,000 | 3,333 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $618,000 | 2,246 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $323,000 | 3,836 |
| Total noninterest expense | $7,629,000 | 2,545 |
| Salaries and employee benefits | $4,064,000 | 2,375 |
| Premises and equipment expense | $1,002,000 | 2,475 |
| Additional noninterest expense | $2,563,000 | 2,628 |
| Pre-tax net operating income | $-796,000 | 6,391 |
| Securities gains (losses) | $14,000 | 3,222 |
| Applicable income taxes | $-345,000 | 7,085 |
| Income before extraordinary items | $-437,000 | 6,337 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-437,000 | 6,338 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-437,000 | 6,338 |
| Net charge-offs | $1,896,000 | 1,924 |
| Cash dividends | $790,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $145,000 | 701 |
| Net operating income | $-445,960 | 6,291 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,926,000 | 3,218 |
| Total interest expense | $622,000 | 5,791 |
| Net interest income | $6,304,000 | 2,632 |
| Provision for loan and lease losses | $1,265,000 | 2,204 |
| Total noninterest income | $685,000 | 3,431 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $456,000 | 2,327 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $229,000 | 3,962 |
| Total noninterest expense | $5,635,000 | 2,575 |
| Salaries and employee benefits | $2,982,000 | 2,432 |
| Premises and equipment expense | $756,000 | 2,505 |
| Additional noninterest expense | $1,897,000 | 2,608 |
| Pre-tax net operating income | $89,000 | 5,663 |
| Securities gains (losses) | $14,000 | 3,014 |
| Applicable income taxes | $27,000 | 3,858 |
| Income before extraordinary items | $76,000 | 5,832 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $76,000 | 5,834 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $76,000 | 5,834 |
| Net charge-offs | $730,000 | 2,591 |
| Cash dividends | $350,000 | 2,185 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 628 |
| Net operating income | $65,640 | 5,738 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,771,000 | 3,163 |
| Total interest expense | $439,000 | 5,767 |
| Net interest income | $4,332,000 | 2,556 |
| Provision for loan and lease losses | $440,000 | 3,051 |
| Total noninterest income | $448,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $296,000 | 2,381 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $152,000 | 3,959 |
| Total noninterest expense | $3,768,000 | 2,575 |
| Salaries and employee benefits | $1,997,000 | 2,440 |
| Premises and equipment expense | $511,000 | 2,496 |
| Additional noninterest expense | $1,260,000 | 2,607 |
| Pre-tax net operating income | $572,000 | 3,397 |
| Securities gains (losses) | $14,000 | 2,493 |
| Applicable income taxes | $232,000 | 1,985 |
| Income before extraordinary items | $354,000 | 3,993 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $354,000 | 3,991 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $354,000 | 3,992 |
| Net charge-offs | $402,000 | 2,699 |
| Cash dividends | $350,000 | 1,736 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 540 |
| Net operating income | $345,040 | 3,919 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,342,000 | 3,272 |
| Total interest expense | $224,000 | 5,856 |
| Net interest income | $2,118,000 | 2,642 |
| Provision for loan and lease losses | $200,000 | 2,974 |
| Total noninterest income | $217,000 | 3,483 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $140,000 | 2,465 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $77,000 | 3,982 |
| Total noninterest expense | $1,838,000 | 2,652 |
| Salaries and employee benefits | $985,000 | 2,499 |
| Premises and equipment expense | $257,000 | 2,530 |
| Additional noninterest expense | $596,000 | 2,724 |
| Pre-tax net operating income | $297,000 | 3,367 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $118,000 | 1,962 |
| Income before extraordinary items | $179,000 | 4,078 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $179,000 | 4,077 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $179,000 | 4,077 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $79,000 | 2,052 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 466 |
| Net operating income | $179,000 | 3,972 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,966,000 | 3,243 |
| Total interest expense | $1,601,000 | 5,014 |
| Net interest income | $8,365,000 | 2,611 |
| Provision for loan and lease losses | $1,010,000 | 3,485 |
| Total noninterest income | $855,000 | 3,627 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $531,000 | 2,761 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $324,000 | 3,872 |
| Total noninterest expense | $7,498,000 | 2,627 |
| Salaries and employee benefits | $3,925,000 | 2,492 |
| Premises and equipment expense | $1,088,000 | 2,404 |
| Additional noninterest expense | $2,485,000 | 2,750 |
| Pre-tax net operating income | $712,000 | 3,529 |
| Securities gains (losses) | $-20,000 | 7,064 |
| Applicable income taxes | $277,000 | 2,098 |
| Income before extraordinary items | $415,000 | 4,124 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $415,000 | 4,121 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $415,000 | 4,121 |
| Net charge-offs | $1,076,000 | 2,777 |
| Cash dividends | $579,000 | 2,373 |
| Sale, conversion, retirement of capital stock, net | $5,962,000 | 157 |
| Net operating income | $427,800 | 4,018 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,602,000 | 3,255 |
| Total interest expense | $1,257,000 | 5,029 |
| Net interest income | $6,345,000 | 2,570 |
| Provision for loan and lease losses | $460,000 | 3,929 |
| Total noninterest income | $641,000 | 3,722 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $394,000 | 2,796 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $247,000 | 3,929 |
| Total noninterest expense | $5,593,000 | 2,648 |
| Salaries and employee benefits | $2,966,000 | 2,501 |
| Premises and equipment expense | $815,000 | 2,435 |
| Additional noninterest expense | $1,812,000 | 2,791 |
| Pre-tax net operating income | $933,000 | 2,859 |
| Securities gains (losses) | $-20,000 | 7,284 |
| Applicable income taxes | $359,000 | 1,744 |
| Income before extraordinary items | $554,000 | 3,513 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $554,000 | 3,511 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $554,000 | 3,513 |
| Net charge-offs | $462,000 | 3,151 |
| Cash dividends | $231,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $5,904,000 | 129 |
| Net operating income | $566,800 | 3,382 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,127,000 | 3,248 |
| Total interest expense | $880,000 | 5,041 |
| Net interest income | $4,247,000 | 2,547 |
| Provision for loan and lease losses | $160,000 | 4,648 |
| Total noninterest income | $432,000 | 3,699 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $255,000 | 2,822 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $177,000 | 3,844 |
| Total noninterest expense | $3,796,000 | 2,634 |
| Salaries and employee benefits | $2,049,000 | 2,463 |
| Premises and equipment expense | $537,000 | 2,492 |
| Additional noninterest expense | $1,210,000 | 2,804 |
| Pre-tax net operating income | $723,000 | 2,707 |
| Securities gains (losses) | $-20,000 | 7,530 |
| Applicable income taxes | $280,000 | 1,611 |
| Income before extraordinary items | $423,000 | 3,390 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $423,000 | 3,385 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $423,000 | 3,388 |
| Net charge-offs | $315,000 | 2,875 |
| Cash dividends | $150,000 | 2,953 |
| Sale, conversion, retirement of capital stock, net | $5,868,000 | 89 |
| Net operating income | $435,800 | 3,229 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,524,000 | 3,325 |
| Total interest expense | $467,000 | 5,012 |
| Net interest income | $2,057,000 | 2,638 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $214,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $112,000 | 3,053 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $102,000 | 3,622 |
| Total noninterest expense | $1,922,000 | 2,516 |
| Salaries and employee benefits | $1,079,000 | 2,375 |
| Premises and equipment expense | $277,000 | 2,466 |
| Additional noninterest expense | $566,000 | 2,693 |
| Pre-tax net operating income | $349,000 | 3,076 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $142,000 | 1,798 |
| Income before extraordinary items | $207,000 | 3,803 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $207,000 | 3,803 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $207,000 | 3,804 |
| Net charge-offs | $147,000 | 2,444 |
| Cash dividends | $70,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $5,841,000 | 47 |
| Net operating income | $207,000 | 3,654 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,608,000 | 3,129 |
| Total interest expense | $2,825,000 | 4,417 |
| Net interest income | $8,783,000 | 2,480 |
| Provision for loan and lease losses | $1,555,000 | 2,114 |
| Total noninterest income | $925,000 | 3,583 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $471,000 | 3,144 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $454,000 | 3,361 |
| Total noninterest expense | $7,090,000 | 2,657 |
| Salaries and employee benefits | $4,012,000 | 2,500 |
| Premises and equipment expense | $878,000 | 2,934 |
| Additional noninterest expense | $2,200,000 | 2,621 |
| Pre-tax net operating income | $1,063,000 | 3,652 |
| Securities gains (losses) | $-1,934,000 | 7,888 |
| Applicable income taxes | $-271,000 | 7,298 |
| Income before extraordinary items | $-600,000 | 6,766 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-600,000 | 6,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $711,000 | 2,343 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $163,000 | 836 |
| Net operating income | $734,460 | 3,996 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,781,000 | 3,173 |
| Total interest expense | $2,202,000 | 4,444 |
| Net interest income | $6,579,000 | 2,506 |
| Provision for loan and lease losses | $1,000,000 | 1,819 |
| Total noninterest income | $696,000 | 3,646 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $372,000 | 3,067 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $324,000 | 3,554 |
| Total noninterest expense | $5,393,000 | 2,612 |
| Salaries and employee benefits | $3,114,000 | 2,450 |
| Premises and equipment expense | $650,000 | 2,992 |
| Additional noninterest expense | $1,629,000 | 2,577 |
| Pre-tax net operating income | $882,000 | 3,908 |
| Securities gains (losses) | $-1,826,000 | 8,036 |
| Applicable income taxes | $-304,000 | 7,743 |
| Income before extraordinary items | $-640,000 | 7,294 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-640,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $711,000 | 1,600 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 696 |
| Net operating income | $601,680 | 4,276 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,791,000 | 3,232 |
| Total interest expense | $1,476,000 | 4,545 |
| Net interest income | $4,315,000 | 2,539 |
| Provision for loan and lease losses | $240,000 | 2,857 |
| Total noninterest income | $477,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $240,000 | 3,104 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $237,000 | 3,453 |
| Total noninterest expense | $3,605,000 | 2,614 |
| Salaries and employee benefits | $2,108,000 | 2,445 |
| Premises and equipment expense | $429,000 | 3,022 |
| Additional noninterest expense | $1,068,000 | 2,593 |
| Pre-tax net operating income | $947,000 | 3,061 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $362,000 | 1,979 |
| Income before extraordinary items | $585,000 | 3,699 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $585,000 | 3,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 732 |
| Net operating income | $585,000 | 3,634 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,909,000 | 3,310 |
| Total interest expense | $784,000 | 4,564 |
| Net interest income | $2,125,000 | 2,567 |
| Provision for loan and lease losses | $120,000 | 2,457 |
| Total noninterest income | $190,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $108,000 | 3,299 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $82,000 | 4,146 |
| Total noninterest expense | $1,685,000 | 2,748 |
| Salaries and employee benefits | $941,000 | 2,722 |
| Premises and equipment expense | $218,000 | 2,990 |
| Additional noninterest expense | $526,000 | 2,600 |
| Pre-tax net operating income | $510,000 | 3,040 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $201,000 | 1,959 |
| Income before extraordinary items | $309,000 | 3,737 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $309,000 | 3,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $309,000 | 3,652 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,883,000 | 3,313 |
| Total interest expense | $3,635,000 | 4,248 |
| Net interest income | $8,248,000 | 2,657 |
| Provision for loan and lease losses | $131,000 | 4,509 |
| Total noninterest income | $743,000 | 4,172 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $359,000 | 3,731 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $384,000 | 3,807 |
| Total noninterest expense | $6,129,000 | 2,911 |
| Salaries and employee benefits | $3,224,000 | 3,044 |
| Premises and equipment expense | $811,000 | 3,049 |
| Additional noninterest expense | $2,094,000 | 2,553 |
| Pre-tax net operating income | $2,731,000 | 2,629 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,100,000 | 1,747 |
| Income before extraordinary items | $1,631,000 | 3,251 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,631,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $207,000 | 747 |
| Net operating income | $1,631,000 | 3,234 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,862,000 | 3,329 |
| Total interest expense | $2,800,000 | 4,188 |
| Net interest income | $6,062,000 | 2,704 |
| Provision for loan and lease losses | $131,000 | 3,734 |
| Total noninterest income | $563,000 | 4,143 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $257,000 | 3,821 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $306,000 | 3,706 |
| Total noninterest expense | $4,472,000 | 2,962 |
| Salaries and employee benefits | $2,403,000 | 3,028 |
| Premises and equipment expense | $604,000 | 3,054 |
| Additional noninterest expense | $1,465,000 | 2,674 |
| Pre-tax net operating income | $2,022,000 | 2,806 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $843,000 | 1,834 |
| Income before extraordinary items | $1,179,000 | 3,510 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,179,000 | 3,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $184,000 | 611 |
| Net operating income | $1,179,000 | 3,495 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 3,392 |
| Total interest expense | $1,883,000 | 4,172 |
| Net interest income | $3,932,000 | 2,793 |
| Provision for loan and lease losses | $106,000 | 3,200 |
| Total noninterest income | $371,000 | 4,195 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $171,000 | 3,824 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $200,000 | 3,784 |
| Total noninterest expense | $2,961,000 | 2,999 |
| Salaries and employee benefits | $1,602,000 | 3,067 |
| Premises and equipment expense | $390,000 | 3,148 |
| Additional noninterest expense | $969,000 | 2,698 |
| Pre-tax net operating income | $1,236,000 | 3,053 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $516,000 | 2,017 |
| Income before extraordinary items | $720,000 | 3,754 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $720,000 | 3,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 500 |
| Net operating income | $720,000 | 3,738 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,783,000 | 3,485 |
| Total interest expense | $911,000 | 4,236 |
| Net interest income | $1,872,000 | 2,932 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $197,000 | 4,058 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $74,000 | 4,056 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $123,000 | 3,375 |
| Total noninterest expense | $1,474,000 | 3,027 |
| Salaries and employee benefits | $800,000 | 3,083 |
| Premises and equipment expense | $189,000 | 3,254 |
| Additional noninterest expense | $485,000 | 2,688 |
| Pre-tax net operating income | $595,000 | 3,137 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $248,000 | 2,101 |
| Income before extraordinary items | $347,000 | 3,853 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $347,000 | 3,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 314 |
| Net operating income | $347,000 | 3,828 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,892,000 | 3,606 |
| Total interest expense | $2,503,000 | 4,819 |
| Net interest income | $7,389,000 | 2,968 |
| Provision for loan and lease losses | $355,000 | 2,498 |
| Total noninterest income | $859,000 | 3,883 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $228,000 | 4,710 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $631,000 | 2,927 |
| Total noninterest expense | $5,812,000 | 2,949 |
| Salaries and employee benefits | $3,256,000 | 2,906 |
| Premises and equipment expense | $788,000 | 3,047 |
| Additional noninterest expense | $1,768,000 | 2,866 |
| Pre-tax net operating income | $2,081,000 | 3,552 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $718,000 | 2,631 |
| Income before extraordinary items | $1,363,000 | 3,986 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,363,000 | 3,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 778 |
| Net operating income | $1,363,000 | 3,965 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,109,000 | 3,701 |
| Total interest expense | $1,654,000 | 5,075 |
| Net interest income | $5,455,000 | 3,037 |
| Provision for loan and lease losses | $331,000 | 1,983 |
| Total noninterest income | $686,000 | 3,761 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $166,000 | 4,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $520,000 | 2,794 |
| Total noninterest expense | $4,306,000 | 2,972 |
| Salaries and employee benefits | $2,413,000 | 2,936 |
| Premises and equipment expense | $592,000 | 3,043 |
| Additional noninterest expense | $1,301,000 | 2,896 |
| Pre-tax net operating income | $1,504,000 | 3,778 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $618,000 | 2,543 |
| Income before extraordinary items | $886,000 | 4,459 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $886,000 | 4,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,026 |
| Net operating income | $886,000 | 4,449 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,484,000 | 3,802 |
| Total interest expense | $901,000 | 5,504 |
| Net interest income | $3,583,000 | 3,075 |
| Provision for loan and lease losses | $121,000 | 2,975 |
| Total noninterest income | $391,000 | 4,097 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $103,000 | 4,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $288,000 | 3,097 |
| Total noninterest expense | $2,894,000 | 2,975 |
| Salaries and employee benefits | $1,639,000 | 2,896 |
| Premises and equipment expense | $391,000 | 3,062 |
| Additional noninterest expense | $864,000 | 2,925 |
| Pre-tax net operating income | $959,000 | 3,891 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $395,000 | 2,637 |
| Income before extraordinary items | $564,000 | 4,588 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $564,000 | 4,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 869 |
| Net operating income | $564,000 | 4,577 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,195,000 | 3,810 |
| Total interest expense | $382,000 | 5,812 |
| Net interest income | $1,813,000 | 3,038 |
| Provision for loan and lease losses | $101,000 | 1,985 |
| Total noninterest income | $115,000 | 5,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $46,000 | 5,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $69,000 | 4,456 |
| Total noninterest expense | $1,417,000 | 3,029 |
| Salaries and employee benefits | $795,000 | 2,986 |
| Premises and equipment expense | $196,000 | 3,079 |
| Additional noninterest expense | $426,000 | 2,946 |
| Pre-tax net operating income | $410,000 | 4,223 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $168,000 | 2,872 |
| Income before extraordinary items | $242,000 | 4,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $242,000 | 4,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 629 |
| Net operating income | $242,000 | 4,902 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,909,000 | 4,189 |
| Total interest expense | $969,000 | 6,355 |
| Net interest income | $5,940,000 | 3,448 |
| Provision for loan and lease losses | $396,000 | 2,300 |
| Total noninterest income | $347,000 | 6,036 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $156,000 | 5,554 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $191,000 | 5,257 |
| Total noninterest expense | $4,235,000 | 3,701 |
| Salaries and employee benefits | $2,440,000 | 3,554 |
| Premises and equipment expense | $536,000 | 3,979 |
| Additional noninterest expense | $1,259,000 | 3,715 |
| Pre-tax net operating income | $1,656,000 | 4,141 |
| Securities gains (losses) | $-28,000 | 7,972 |
| Applicable income taxes | $-433,000 | 8,755 |
| Income before extraordinary items | $2,061,000 | 3,026 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,061,000 | 3,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 905 |
| Net operating income | $2,089,000 | 2,955 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,969,000 | 4,263 |
| Total interest expense | $704,000 | 6,346 |
| Net interest income | $4,265,000 | 3,573 |
| Provision for loan and lease losses | $356,000 | 1,914 |
| Total noninterest income | $270,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $116,000 | 5,590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $154,000 | 5,143 |
| Total noninterest expense | $3,072,000 | 3,769 |
| Salaries and employee benefits | $1,752,000 | 3,647 |
| Premises and equipment expense | $402,000 | 3,957 |
| Additional noninterest expense | $918,000 | 3,742 |
| Pre-tax net operating income | $1,107,000 | 4,520 |
| Securities gains (losses) | $-28,000 | 8,307 |
| Applicable income taxes | $-684,000 | 8,833 |
| Income before extraordinary items | $1,763,000 | 2,739 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,763,000 | 2,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,791,000 | 2,671 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 4,427 |
| Total interest expense | $430,000 | 6,427 |
| Net interest income | $2,656,000 | 3,738 |
| Provision for loan and lease losses | $274,000 | 1,661 |
| Total noninterest income | $202,000 | 5,707 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $80,000 | 5,480 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $122,000 | 4,775 |
| Total noninterest expense | $2,011,000 | 3,798 |
| Salaries and employee benefits | $1,163,000 | 3,656 |
| Premises and equipment expense | $265,000 | 3,962 |
| Additional noninterest expense | $583,000 | 3,890 |
| Pre-tax net operating income | $573,000 | 5,113 |
| Securities gains (losses) | $-28,000 | 8,457 |
| Applicable income taxes | $-900,000 | 8,852 |
| Income before extraordinary items | $1,445,000 | 2,296 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,445,000 | 2,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,473,000 | 2,233 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 4,631 |
| Total interest expense | $183,000 | 6,754 |
| Net interest income | $1,244,000 | 3,939 |
| Provision for loan and lease losses | $145,000 | 1,514 |
| Total noninterest income | $118,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $42,000 | 5,359 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $988,000 | 3,875 |
| Salaries and employee benefits | $571,000 | 3,707 |
| Premises and equipment expense | $130,000 | 4,075 |
| Additional noninterest expense | $287,000 | 3,945 |
| Pre-tax net operating income | $229,000 | 5,651 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $229,000 | 5,089 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $229,000 | 5,090 |
| 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 | $229,000 | 5,059 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,464,000 | 5,998 |
| Total interest expense | $332,000 | 7,947 |
| Net interest income | $3,132,000 | 5,288 |
| Provision for loan and lease losses | $410,000 | 2,317 |
| Total noninterest income | $468,000 | 5,431 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $185,000 | 5,374 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $283,000 | 4,372 |
| Total noninterest expense | $3,148,000 | 4,508 |
| Salaries and employee benefits | $1,863,000 | 4,227 |
| Premises and equipment expense | $348,000 | 5,238 |
| Additional noninterest expense | $937,000 | 4,578 |
| Pre-tax net operating income | $42,000 | 8,274 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $41,000 | 8,314 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $41,000 | 8,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $8,498,000 | 140 |
| Net operating income | $41,000 | 8,276 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,262,000 | 6,419 |
| Total interest expense | $214,000 | 8,189 |
| Net interest income | $2,048,000 | 5,716 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $286,000 | 5,939 |
| 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 | $148,000 | 5,155 |
| Total noninterest expense | $2,170,000 | 4,734 |
| Salaries and employee benefits | $1,262,000 | 4,519 |
| Premises and equipment expense | $241,000 | 5,464 |
| Additional noninterest expense | $667,000 | 4,700 |
| Pre-tax net operating income | $-151,000 | 8,623 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $-152,000 | 8,654 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-152,000 | 8,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $8,491,000 | 106 |
| Net operating income | $-152,000 | 8,625 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,322,000 | 6,812 |
| Total interest expense | $143,000 | 8,252 |
| Net interest income | $1,179,000 | 6,199 |
| Provision for loan and lease losses | $165,000 | 2,550 |
| Total noninterest income | $204,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $87,000 | 5,558 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $117,000 | 4,844 |
| Total noninterest expense | $1,416,000 | 4,835 |
| Salaries and employee benefits | $833,000 | 4,577 |
| Premises and equipment expense | $154,000 | 5,586 |
| Additional noninterest expense | $429,000 | 4,828 |
| Pre-tax net operating income | $-198,000 | 8,768 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,000 | 7,109 |
| Income before extraordinary items | $-199,000 | 8,797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-199,000 | 8,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $8,491,000 | 69 |
| Net operating income | $-199,000 | 8,771 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $611,000 | 7,023 |
| Total interest expense | $71,000 | 8,324 |
| Net interest income | $545,000 | 6,449 |
| Provision for loan and lease losses | $41,000 | 3,702 |
| Total noninterest income | $61,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $707,000 | 4,885 |
| Salaries and employee benefits | $411,000 | 4,642 |
| Premises and equipment expense | $75,000 | 5,696 |
| Additional noninterest expense | $216,000 | 4,804 |
| Pre-tax net operating income | $-142,000 | 8,852 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $-143,000 | 8,901 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-143,000 | 8,901 |
| 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 | $-143,000 | 8,869 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,477,000 | 8,097 |
| Total interest expense | $257,000 | 8,587 |
| Net interest income | $1,220,000 | 7,785 |
| Provision for loan and lease losses | $285,000 | 3,294 |
| Total noninterest income | $100,000 | 8,303 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $74,000 | 7,015 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $26,000 | 8,239 |
| Total noninterest expense | $2,620,000 | 5,045 |
| Salaries and employee benefits | $1,483,000 | 4,880 |
| Premises and equipment expense | $196,000 | 6,824 |
| Additional noninterest expense | $941,000 | 4,472 |
| Pre-tax net operating income | $-1,585,000 | 9,050 |
| Securities gains (losses) | $-10,000 | 8,783 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,595,000 | 9,097 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,595,000 | 9,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 834 |
| Net operating income | $-1,585,000 | 9,057 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $906,000 | 8,477 |
| Total interest expense | $180,000 | 8,740 |
| Net interest income | $726,000 | 8,213 |
| Provision for loan and lease losses | $155,000 | 3,838 |
| Total noninterest income | $71,000 | 8,432 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $52,000 | 7,162 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,000 | 8,294 |
| Total noninterest expense | $1,814,000 | 5,304 |
| Salaries and employee benefits | $1,094,000 | 4,928 |
| Premises and equipment expense | $213,000 | 5,819 |
| Additional noninterest expense | $507,000 | 5,594 |
| Pre-tax net operating income | $-1,172,000 | 9,102 |
| Securities gains (losses) | $-10,000 | 8,939 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $-1,184,000 | 9,145 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,184,000 | 9,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,174,000 | 9,103 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $501,000 | 8,714 |
| Total interest expense | $98,000 | 8,911 |
| Net interest income | $403,000 | 8,510 |
| Provision for loan and lease losses | $86,000 | 4,207 |
| Total noninterest income | $48,000 | 8,414 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $37,000 | 7,065 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $11,000 | 8,392 |
| Total noninterest expense | $1,183,000 | 5,369 |
| Salaries and employee benefits | $717,000 | 4,981 |
| Premises and equipment expense | $139,000 | 5,890 |
| Additional noninterest expense | $327,000 | 5,693 |
| Pre-tax net operating income | $-818,000 | 9,135 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $-820,000 | 9,187 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-820,000 | 9,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-820,000 | 9,137 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $188,000 | 8,971 |
| Total interest expense | $29,000 | 9,118 |
| Net interest income | $159,000 | 8,790 |
| Provision for loan and lease losses | $53,000 | 3,599 |
| Total noninterest income | $22,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $581,000 | 5,445 |
| Salaries and employee benefits | $360,000 | 4,981 |
| Premises and equipment expense | $69,000 | 5,897 |
| Additional noninterest expense | $152,000 | 5,884 |
| Pre-tax net operating income | $-453,000 | 9,188 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $-455,000 | 9,231 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-455,000 | 9,227 |
| 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 | $-455,000 | 9,186 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $142,000 | 9,292 |
| Total interest expense | $16,000 | 9,286 |
| Net interest income | $126,000 | 9,279 |
| Provision for loan and lease losses | $81,000 | 6,055 |
| Total noninterest income | $25,000 | 9,145 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $23,000 | 7,944 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,151 |
| Total noninterest expense | $1,355,000 | 7,137 |
| Salaries and employee benefits | $729,000 | 7,161 |
| Premises and equipment expense | $97,000 | 8,210 |
| Additional noninterest expense | $529,000 | 6,350 |
| Pre-tax net operating income | $-1,285,000 | 9,178 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,285,000 | 9,225 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,285,000 | 9,223 |
| 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 | $9,702,000 | 65 |
| Net operating income | $-1,285,000 | 9,195 |
* 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.