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Summit Bank, Income and Expense

2011-06-30 (YTD Data)		Rank
Total interest income	$1,700,000	5,607
Total interest expense	$287,000	5,817
Net interest income	$1,413,000	5,462
Provision for loan and lease losses	$1,058,000	1,448
Total noninterest income	$191,000	4,934
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$111,000	4,191
Trading account gains and fees	$0	153
Additional Noninterest Income	$80,000	4,902
Total noninterest expense	$1,767,000	4,508
Salaries and employee benefits	$589,000	5,606
Premises and equipment expense	$315,000	3,528
Additional noninterest expense	$863,000	3,555
Pre-tax net operating income	$-1,221,000	7,036
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$-1,221,000	7,090
Extraordinary gains, net	$0	15
Net income	$-1,221,000	7,090
Minority interest net income	$0	89
Net income of bank and minority interests.	$-1,221,000	7,091
Net charge-offs	$1,151,000	1,353
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-1,221,000	7,069
2011-03-31 (YTD Data)		Rank
Total interest income	$874,000	5,581
Total interest expense	$148,000	5,864
Net interest income	$726,000	5,422
Provision for loan and lease losses	$1,058,000	815
Total noninterest income	$112,000	4,711
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$58,000	4,076
Trading account gains and fees	$0	158
Additional Noninterest Income	$54,000	4,538
Total noninterest expense	$920,000	4,422
Salaries and employee benefits	$301,000	5,602
Premises and equipment expense	$159,000	3,549
Additional noninterest expense	$460,000	3,391
Pre-tax net operating income	$-1,140,000	7,301
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-1,140,000	7,320
Extraordinary gains, net	$0	9
Net income	$-1,140,000	7,320
Minority interest net income	$0	86
Net income of bank and minority interests.	$-1,140,000	7,321
Net charge-offs	$1,151,000	780
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-1,140,000	7,318
2010-12-31 (YTD Data)		Rank
Total interest income	$4,188,000	5,296
Total interest expense	$883,000	5,503
Net interest income	$3,305,000	5,103
Provision for loan and lease losses	$2,763,000	1,702
Total noninterest income	$406,000	4,943
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$214,000	4,291
Trading account gains and fees	$0	175
Additional Noninterest Income	$192,000	4,652
Total noninterest expense	$4,298,000	4,017
Salaries and employee benefits	$1,343,000	5,354
Premises and equipment expense	$845,000	2,854
Additional noninterest expense	$2,110,000	3,118
Pre-tax net operating income	$-3,350,000	6,963
Securities gains (losses)	$54,000	2,607
Applicable income taxes	$0	4,655
Income before extraordinary items	$-3,296,000	7,036
Extraordinary gains, net	$0	29
Net income	$-3,296,000	7,036
Minority interest net income	$0	111
Net income of bank and minority interests.	$-3,296,000	7,037
Net charge-offs	$1,822,000	1,969
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-3,350,000	7,020
2010-09-30 (YTD Data)		Rank
Total interest income	$3,161,000	5,373
Total interest expense	$686,000	5,583
Net interest income	$2,475,000	5,169
Provision for loan and lease losses	$1,876,000	1,733
Total noninterest income	$321,000	4,927
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$158,000	4,390
Trading account gains and fees	$0	165
Additional Noninterest Income	$163,000	4,529
Total noninterest expense	$3,201,000	4,043
Salaries and employee benefits	$1,033,000	5,336
Premises and equipment expense	$562,000	3,173
Additional noninterest expense	$1,606,000	3,022
Pre-tax net operating income	$-2,281,000	7,113
Securities gains (losses)	$54,000	2,362
Applicable income taxes	$0	4,726
Income before extraordinary items	$-2,227,000	7,171
Extraordinary gains, net	$0	23
Net income	$-2,227,000	7,170
Minority interest net income	$0	110
Net income of bank and minority interests.	$-2,227,000	7,171
Net charge-offs	$1,822,000	1,593
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-2,281,000	7,158
2010-06-30 (YTD Data)		Rank
Total interest income	$2,156,000	5,348
Total interest expense	$471,000	5,614
Net interest income	$1,685,000	5,118
Provision for loan and lease losses	$656,000	2,454
Total noninterest income	$240,000	4,709
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$105,000	4,402
Trading account gains and fees	$0	152
Additional Noninterest Income	$135,000	4,158
Total noninterest expense	$1,850,000	4,467
Salaries and employee benefits	$710,000	5,269
Premises and equipment expense	$376,000	3,195
Additional noninterest expense	$764,000	3,909
Pre-tax net operating income	$-581,000	6,803
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-581,000	6,913
Extraordinary gains, net	$0	19
Net income	$-581,000	6,913
Minority interest net income	$0	105
Net income of bank and minority interests.	$-581,000	6,913
Net charge-offs	$334,000	2,921
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-581,000	6,873
2010-03-31 (YTD Data)		Rank
Total interest income	$1,087,000	5,385
Total interest expense	$241,000	5,688
Net interest income	$846,000	5,147
Provision for loan and lease losses	$25,000	5,585
Total noninterest income	$90,000	5,225
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$52,000	4,405
Trading account gains and fees	$0	175
Additional Noninterest Income	$38,000	5,122
Total noninterest expense	$1,025,000	4,209
Salaries and employee benefits	$353,000	5,335
Premises and equipment expense	$186,000	3,314
Additional noninterest expense	$486,000	3,264
Pre-tax net operating income	$-114,000	6,689
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-114,000	6,786
Extraordinary gains, net	$0	16
Net income	$-114,000	6,787
Minority interest net income	$0	91
Net income of bank and minority interests.	$-114,000	6,786
Net charge-offs	$59,000	3,587
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-114,000	6,736
2009-12-31 (YTD Data)		Rank
Total interest income	$4,997,000	5,130
Total interest expense	$1,773,000	4,775
Net interest income	$3,224,000	5,188
Provision for loan and lease losses	$1,948,000	2,514
Total noninterest income	$417,000	5,053
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$188,000	4,751
Trading account gains and fees	$0	211
Additional Noninterest Income	$229,000	4,421
Total noninterest expense	$3,599,000	4,627
Salaries and employee benefits	$1,451,000	5,298
Premises and equipment expense	$793,000	3,143
Additional noninterest expense	$1,355,000	4,370
Pre-tax net operating income	$-1,906,000	6,606
Securities gains (losses)	$0	3,754
Applicable income taxes	$0	4,388
Income before extraordinary items	$-1,906,000	6,718
Extraordinary gains, net	$0	34
Net income	$-1,906,000	6,716
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,906,000	6,716
Net charge-offs	$859,000	3,070
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-1,906,000	6,713
2009-09-30 (YTD Data)		Rank
Total interest income	$3,790,000	5,163
Total interest expense	$1,452,000	4,694
Net interest income	$2,338,000	5,305
Provision for loan and lease losses	$346,000	4,398
Total noninterest income	$326,000	5,050
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$136,000	4,850
Trading account gains and fees	$0	212
Additional Noninterest Income	$190,000	4,369
Total noninterest expense	$2,528,000	4,845
Salaries and employee benefits	$1,127,000	5,237
Premises and equipment expense	$589,000	3,208
Additional noninterest expense	$812,000	5,023
Pre-tax net operating income	$-210,000	6,030
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$-210,000	6,131
Extraordinary gains, net	$0	27
Net income	$-210,000	6,132
Minority interest net income	$0	118
Net income of bank and minority interests.	$-210,000	6,131
Net charge-offs	$268,000	3,879
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-210,000	6,101
2009-06-30 (YTD Data)		Rank
Total interest income	$2,593,000	5,137
Total interest expense	$1,028,000	4,657
Net interest income	$1,565,000	5,289
Provision for loan and lease losses	$225,000	4,165
Total noninterest income	$235,000	4,927
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$90,000	4,852
Trading account gains and fees	$0	193
Additional Noninterest Income	$145,000	4,192
Total noninterest expense	$1,709,000	4,840
Salaries and employee benefits	$761,000	5,258
Premises and equipment expense	$388,000	3,263
Additional noninterest expense	$560,000	4,932
Pre-tax net operating income	$-134,000	6,158
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-134,000	6,253
Extraordinary gains, net	$0	21
Net income	$-134,000	6,252
Minority interest net income	$0	112
Net income of bank and minority interests.	$-134,000	6,252
Net charge-offs	$233,000	3,252
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-134,000	6,223
2009-03-31 (YTD Data)		Rank
Total interest income	$1,317,000	5,128
Total interest expense	$544,000	4,604
Net interest income	$773,000	5,320
Provision for loan and lease losses	$0	6,744
Total noninterest income	$94,000	5,317
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$45,000	4,805
Trading account gains and fees	$0	171
Additional Noninterest Income	$49,000	4,878
Total noninterest expense	$796,000	4,970
Salaries and employee benefits	$377,000	5,338
Premises and equipment expense	$191,000	3,355
Additional noninterest expense	$228,000	5,211
Pre-tax net operating income	$71,000	5,370
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$71,000	5,369
Extraordinary gains, net	$0	15
Net income	$71,000	5,374
Minority interest net income	$0	102
Net income of bank and minority interests.	$71,000	5,373
Net charge-offs	$46,000	3,656
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$71,000	5,195
2008-12-31 (YTD Data)		Rank
Total interest income	$5,938,000	4,965
Total interest expense	$2,435,000	4,809
Net interest income	$3,503,000	4,973
Provision for loan and lease losses	$1,761,000	1,955
Total noninterest income	$588,000	4,514
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$237,000	4,471
Trading account gains and fees	$0	154
Additional Noninterest Income	$351,000	3,826
Total noninterest expense	$3,499,000	4,644
Salaries and employee benefits	$1,659,000	5,030
Premises and equipment expense	$802,000	3,179
Additional noninterest expense	$1,038,000	4,711
Pre-tax net operating income	$-1,169,000	7,091
Securities gains (losses)	$0	3,220
Applicable income taxes	$209,000	2,770
Income before extraordinary items	$-1,378,000	7,162
Extraordinary gains, net	$0	39
Net income	$-1,378,000	7,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,020,000	1,936
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$126,000	906
Net operating income	$-1,378,000	7,270
2008-09-30 (YTD Data)		Rank
Total interest income	$4,494,000	5,015
Total interest expense	$1,831,000	4,927
Net interest income	$2,663,000	4,965
Provision for loan and lease losses	$1,061,000	1,766
Total noninterest income	$447,000	4,586
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$182,000	4,451
Trading account gains and fees	$0	148
Additional Noninterest Income	$265,000	3,916
Total noninterest expense	$2,646,000	4,597
Salaries and employee benefits	$1,291,000	4,954
Premises and equipment expense	$605,000	3,176
Additional noninterest expense	$750,000	4,745
Pre-tax net operating income	$-597,000	7,320
Securities gains (losses)	$0	3,106
Applicable income taxes	$21,000	4,585
Income before extraordinary items	$-618,000	7,280
Extraordinary gains, net	$0	31
Net income	$-618,000	7,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$890,000	1,401
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-618,000	7,403
2008-06-30 (YTD Data)		Rank
Total interest income	$2,990,000	5,095
Total interest expense	$1,283,000	4,923
Net interest income	$1,707,000	5,094
Provision for loan and lease losses	$231,000	2,926
Total noninterest income	$309,000	4,558
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$119,000	4,497
Trading account gains and fees	$0	149
Additional Noninterest Income	$190,000	3,864
Total noninterest expense	$1,729,000	4,694
Salaries and employee benefits	$845,000	5,051
Premises and equipment expense	$391,000	3,271
Additional noninterest expense	$493,000	4,767
Pre-tax net operating income	$56,000	6,642
Securities gains (losses)	$0	3,233
Applicable income taxes	$21,000	4,649
Income before extraordinary items	$35,000	6,790
Extraordinary gains, net	$0	21
Net income	$35,000	6,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	2,872
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$35,000	6,726
2008-03-31 (YTD Data)		Rank
Total interest income	$1,501,000	5,169
Total interest expense	$673,000	4,986
Net interest income	$828,000	5,203
Provision for loan and lease losses	$51,000	3,761
Total noninterest income	$144,000	4,696
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$55,000	4,609
Trading account gains and fees	$0	158
Additional Noninterest Income	$89,000	3,992
Total noninterest expense	$838,000	4,790
Salaries and employee benefits	$412,000	5,149
Premises and equipment expense	$178,000	3,523
Additional noninterest expense	$248,000	4,714
Pre-tax net operating income	$83,000	6,214
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$83,000	6,073
Extraordinary gains, net	$0	15
Net income	$83,000	6,075
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	$83,000	5,985
2007-12-31 (YTD Data)		Rank
Total interest income	$5,311,000	5,554
Total interest expense	$2,180,000	5,637
Net interest income	$3,131,000	5,387
Provision for loan and lease losses	$263,000	3,416
Total noninterest income	$500,000	5,028
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$125,000	5,700
Trading account gains and fees	$0	178
Additional Noninterest Income	$375,000	3,855
Total noninterest expense	$3,197,000	4,815
Salaries and employee benefits	$1,614,000	5,071
Premises and equipment expense	$653,000	3,618
Additional noninterest expense	$930,000	4,874
Pre-tax net operating income	$171,000	6,938
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$171,000	6,884
Extraordinary gains, net	$0	39
Net income	$171,000	6,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,188
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$171,000	6,859
2007-09-30 (YTD Data)		Rank
Total interest income	$3,789,000	5,717
Total interest expense	$1,552,000	5,789
Net interest income	$2,237,000	5,552
Provision for loan and lease losses	$169,000	3,319
Total noninterest income	$355,000	5,174
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$82,000	5,941
Trading account gains and fees	$0	184
Additional Noninterest Income	$273,000	3,925
Total noninterest expense	$2,360,000	4,837
Salaries and employee benefits	$1,197,000	5,102
Premises and equipment expense	$460,000	3,780
Additional noninterest expense	$703,000	4,786
Pre-tax net operating income	$63,000	7,445
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$63,000	7,426
Extraordinary gains, net	$0	33
Net income	$63,000	7,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,542
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$63,000	7,411
2007-06-30 (YTD Data)		Rank
Total interest income	$2,408,000	5,874
Total interest expense	$958,000	5,970
Net interest income	$1,450,000	5,660
Provision for loan and lease losses	$97,000	3,344
Total noninterest income	$236,000	5,221
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$49,000	6,112
Trading account gains and fees	$0	168
Additional Noninterest Income	$187,000	3,909
Total noninterest expense	$1,513,000	4,980
Salaries and employee benefits	$781,000	5,209
Premises and equipment expense	$271,000	4,142
Additional noninterest expense	$461,000	4,839
Pre-tax net operating income	$76,000	7,381
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$76,000	7,297
Extraordinary gains, net	$0	29
Net income	$76,000	7,297
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	$0	1,051
Net operating income	$76,000	7,286
2007-03-31 (YTD Data)		Rank
Total interest income	$1,176,000	5,931
Total interest expense	$479,000	5,969
Net interest income	$697,000	5,764
Provision for loan and lease losses	$46,000	3,181
Total noninterest income	$106,000	5,403
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$19,000	6,411
Trading account gains and fees	$0	195
Additional Noninterest Income	$87,000	4,037
Total noninterest expense	$708,000	5,218
Salaries and employee benefits	$386,000	5,283
Premises and equipment expense	$102,000	4,980
Additional noninterest expense	$220,000	4,940
Pre-tax net operating income	$49,000	7,299
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
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	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$49,000	7,157
2006-12-31 (YTD Data)		Rank
Total interest income	$4,161,000	6,015
Total interest expense	$1,550,000	6,039
Net interest income	$2,611,000	5,899
Provision for loan and lease losses	$94,000	4,842
Total noninterest income	$641,000	4,567
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$86,000	6,341
Trading account gains and fees	$0	130
Additional Noninterest Income	$555,000	3,159
Total noninterest expense	$2,397,000	5,623
Salaries and employee benefits	$1,333,000	5,568
Premises and equipment expense	$342,000	5,391
Additional noninterest expense	$722,000	5,555
Pre-tax net operating income	$761,000	5,749
Securities gains (losses)	$0	1,687
Applicable income taxes	$-250,000	8,493
Income before extraordinary items	$1,011,000	4,688
Extraordinary gains, net	$0	51
Net income	$1,011,000	4,691
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,011,000	4,683
2006-09-30 (YTD Data)		Rank
Total interest income	$3,041,000	6,091
Total interest expense	$1,099,000	6,121
Net interest income	$1,942,000	5,978
Provision for loan and lease losses	$93,000	4,203
Total noninterest income	$511,000	4,429
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$61,000	6,491
Trading account gains and fees	$0	126
Additional Noninterest Income	$450,000	3,022
Total noninterest expense	$1,700,000	5,775
Salaries and employee benefits	$922,000	5,805
Premises and equipment expense	$246,000	5,529
Additional noninterest expense	$532,000	5,586
Pre-tax net operating income	$660,000	5,666
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$660,000	5,138
Extraordinary gains, net	$0	45
Net income	$660,000	5,143
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	$0	1,045
Net operating income	$660,000	5,130
2006-06-30 (YTD Data)		Rank
Total interest income	$1,942,000	6,194
Total interest expense	$685,000	6,177
Net interest income	$1,257,000	6,098
Provision for loan and lease losses	$81,000	3,704
Total noninterest income	$349,000	4,358
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$37,000	6,640
Trading account gains and fees	$0	126
Additional Noninterest Income	$312,000	2,941
Total noninterest expense	$1,114,000	5,849
Salaries and employee benefits	$587,000	5,974
Premises and equipment expense	$169,000	5,442
Additional noninterest expense	$358,000	5,543
Pre-tax net operating income	$411,000	5,850
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$411,000	5,327
Extraordinary gains, net	$0	39
Net income	$411,000	5,331
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	$0	887
Net operating income	$411,000	5,329
2006-03-31 (YTD Data)		Rank
Total interest income	$904,000	6,341
Total interest expense	$308,000	6,333
Net interest income	$596,000	6,253
Provision for loan and lease losses	$19,000	4,620
Total noninterest income	$137,000	4,883
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$17,000	6,702
Trading account gains and fees	$0	115
Additional Noninterest Income	$120,000	3,380
Total noninterest expense	$504,000	6,161
Salaries and employee benefits	$263,000	6,319
Premises and equipment expense	$82,000	5,576
Additional noninterest expense	$159,000	5,891
Pre-tax net operating income	$210,000	5,741
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$210,000	5,249
Extraordinary gains, net	$0	21
Net income	$210,000	5,248
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	$0	648
Net operating income	$210,000	5,243
2005-12-31 (YTD Data)		Rank
Total interest income	$2,960,000	6,624
Total interest expense	$910,000	6,512
Net interest income	$2,050,000	6,592
Provision for loan and lease losses	$112,000	4,673
Total noninterest income	$504,000	5,228
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$49,000	7,103
Trading account gains and fees	$0	138
Additional Noninterest Income	$455,000	3,538
Total noninterest expense	$2,034,000	6,056
Salaries and employee benefits	$1,116,000	6,012
Premises and equipment expense	$357,000	5,221
Additional noninterest expense	$561,000	6,249
Pre-tax net operating income	$408,000	7,045
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$408,000	6,749
Extraordinary gains, net	$0	46
Net income	$408,000	6,751
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	$0	934
Net operating income	$408,000	6,724
2005-09-30 (YTD Data)		Rank
Total interest income	$2,077,000	6,777
Total interest expense	$622,000	6,636
Net interest income	$1,455,000	6,742
Provision for loan and lease losses	$106,000	4,082
Total noninterest income	$384,000	5,209
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$35,000	7,182
Trading account gains and fees	$0	126
Additional Noninterest Income	$349,000	3,529
Total noninterest expense	$1,469,000	6,149
Salaries and employee benefits	$793,000	6,159
Premises and equipment expense	$265,000	5,234
Additional noninterest expense	$411,000	6,286
Pre-tax net operating income	$264,000	7,363
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$264,000	7,107
Extraordinary gains, net	$0	35
Net income	$264,000	7,106
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	$264,000	7,075
2005-06-30 (YTD Data)		Rank
Total interest income	$1,254,000	6,978
Total interest expense	$355,000	6,866
Net interest income	$899,000	6,942
Provision for loan and lease losses	$89,000	3,629
Total noninterest income	$230,000	5,432
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$24,000	7,158
Trading account gains and fees	$0	116
Additional Noninterest Income	$206,000	3,716
Total noninterest expense	$969,000	6,187
Salaries and employee benefits	$528,000	6,177
Premises and equipment expense	$178,000	5,209
Additional noninterest expense	$263,000	6,377
Pre-tax net operating income	$71,000	8,023
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$71,000	7,954
Extraordinary gains, net	$0	30
Net income	$71,000	7,954
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	$71,000	7,914
2005-03-31 (YTD Data)		Rank
Total interest income	$570,000	7,221
Total interest expense	$159,000	7,057
Net interest income	$411,000	7,183
Provision for loan and lease losses	$7,000	5,663
Total noninterest income	$99,000	5,706
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$12,000	7,169
Trading account gains and fees	$0	115
Additional Noninterest Income	$87,000	4,019
Total noninterest expense	$495,000	6,142
Salaries and employee benefits	$268,000	6,158
Premises and equipment expense	$90,000	5,217
Additional noninterest expense	$137,000	6,307
Pre-tax net operating income	$8,000	8,365
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$8,000	8,379
Extraordinary gains, net	$0	24
Net income	$8,000	8,378
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	$8,000	8,351
2004-12-31 (YTD Data)		Rank
Total interest income	$1,563,000	7,822
Total interest expense	$420,000	7,610
Net interest income	$1,143,000	7,828
Provision for loan and lease losses	$159,000	4,146
Total noninterest income	$255,000	6,730
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$38,000	7,455
Trading account gains and fees	$0	138
Additional Noninterest Income	$217,000	4,934
Total noninterest expense	$1,696,000	6,547
Salaries and employee benefits	$928,000	6,520
Premises and equipment expense	$293,000	5,741
Additional noninterest expense	$475,000	6,698
Pre-tax net operating income	$-457,000	8,640
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$-457,000	8,699
Extraordinary gains, net	$0	34
Net income	$-457,000	8,701
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	$3,079,000	281
Net operating income	$-457,000	8,670
2004-09-30 (YTD Data)		Rank
Total interest income	$1,017,000	8,091
Total interest expense	$263,000	7,906
Net interest income	$754,000	8,042
Provision for loan and lease losses	$149,000	3,563
Total noninterest income	$180,000	6,883
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$29,000	7,502
Trading account gains and fees	$0	134
Additional Noninterest Income	$151,000	5,111
Total noninterest expense	$1,210,000	6,655
Salaries and employee benefits	$683,000	6,523
Premises and equipment expense	$205,000	5,910
Additional noninterest expense	$322,000	6,923
Pre-tax net operating income	$-425,000	8,747
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-425,000	8,783
Extraordinary gains, net	$0	26
Net income	$-425,000	8,785
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	$3,079,000	199
Net operating income	$-425,000	8,759
2004-06-30 (YTD Data)		Rank
Total interest income	$577,000	8,352
Total interest expense	$144,000	8,243
Net interest income	$433,000	8,311
Provision for loan and lease losses	$62,000	4,241
Total noninterest income	$120,000	6,894
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$16,000	7,629
Trading account gains and fees	$0	130
Additional Noninterest Income	$104,000	5,095
Total noninterest expense	$757,000	6,871
Salaries and employee benefits	$448,000	6,625
Premises and equipment expense	$114,000	6,459
Additional noninterest expense	$195,000	7,187
Pre-tax net operating income	$-266,000	8,799
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-266,000	8,833
Extraordinary gains, net	$0	21
Net income	$-266,000	8,833
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	$3,079,000	130
Net operating income	$-266,000	8,807
2004-03-31 (YTD Data)		Rank
Total interest income	$286,000	8,419
Total interest expense	$64,000	8,416
Net interest income	$222,000	8,313
Provision for loan and lease losses	$34,000	3,968
Total noninterest income	$47,000	7,311
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$8,000	7,614
Trading account gains and fees	$0	121
Additional Noninterest Income	$39,000	5,616
Total noninterest expense	$415,000	6,657
Salaries and employee benefits	$240,000	6,472
Premises and equipment expense	$59,000	6,355
Additional noninterest expense	$116,000	6,774
Pre-tax net operating income	$-180,000	8,890
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-180,000	8,929
Extraordinary gains, net	$0	16
Net income	$-180,000	8,929
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	$-180,000	8,897
2003-12-31 (YTD Data)		Rank
Total interest income	$589,000	8,899
Total interest expense	$159,000	8,843
Net interest income	$430,000	8,873
Provision for loan and lease losses	$139,000	4,718
Total noninterest income	$171,000	7,602
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$21,000	7,832
Trading account gains and fees	$0	160
Additional Noninterest Income	$150,000	5,822
Total noninterest expense	$1,223,000	7,430
Salaries and employee benefits	$741,000	7,147
Premises and equipment expense	$172,000	7,116
Additional noninterest expense	$310,000	7,697
Pre-tax net operating income	$-761,000	8,916
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$-761,000	8,983
Extraordinary gains, net	$0	54
Net income	$-761,000	8,982
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	$0	868
Net operating income	$-761,000	8,930
2003-09-30 (YTD Data)		Rank
Total interest income	$365,000	9,040
Total interest expense	$110,000	8,962
Net interest income	$255,000	9,042
Provision for loan and lease losses	$95,000	4,748
Total noninterest income	$110,000	7,899
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$12,000	7,937
Trading account gains and fees	$0	153
Additional Noninterest Income	$98,000	6,119
Total noninterest expense	$865,000	7,555
Salaries and employee benefits	$545,000	7,152
Premises and equipment expense	$127,000	7,158
Additional noninterest expense	$193,000	8,049
Pre-tax net operating income	$-595,000	8,995
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-595,000	9,054
Extraordinary gains, net	$0	40
Net income	$-595,000	9,052
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	$-595,000	9,001
2003-06-30 (YTD Data)		Rank
Total interest income	$182,000	9,145
Total interest expense	$58,000	9,062
Net interest income	$124,000	9,142
Provision for loan and lease losses	$78,000	4,349
Total noninterest income	$62,000	8,111
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$5,000	8,028
Trading account gains and fees	$0	150
Additional Noninterest Income	$57,000	6,331
Total noninterest expense	$583,000	7,542
Salaries and employee benefits	$380,000	7,080
Premises and equipment expense	$81,000	7,268
Additional noninterest expense	$122,000	8,146
Pre-tax net operating income	$-475,000	9,058
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-475,000	9,127
Extraordinary gains, net	$0	30
Net income	$-475,000	9,125
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	$-475,000	9,070
2003-03-31 (YTD Data)		Rank
Total interest income	$47,000	9,244
Total interest expense	$20,000	9,177
Net interest income	$27,000	9,256
Provision for loan and lease losses	$38,000	4,186
Total noninterest income	$24,000	8,411
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$2,000	8,071
Trading account gains and fees	$0	134
Additional Noninterest Income	$22,000	6,771
Total noninterest expense	$299,000	7,524
Salaries and employee benefits	$207,000	6,875
Premises and equipment expense	$40,000	7,320
Additional noninterest expense	$52,000	8,435
Pre-tax net operating income	$-286,000	9,135
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-286,000	9,177
Extraordinary gains, net	$0	21
Net income	$-286,000	9,174
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	$-286,000	9,124
2002-12-31 (YTD Data)		Rank
Total interest income	$23,000	9,343
Total interest expense	$8,000	9,316
Net interest income	$15,000	9,338
Provision for loan and lease losses	$6,000	7,926
Total noninterest income	$2,000	9,274
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$0	8,205
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,000	9,151
Total noninterest expense	$621,000	8,722
Salaries and employee benefits	$195,000	9,170
Premises and equipment expense	$70,000	8,597
Additional noninterest expense	$356,000	7,436
Pre-tax net operating income	$-610,000	9,023
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-610,000	9,080
Extraordinary gains, net	$0	70
Net income	$-610,000	9,077
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	$5,391,000	145
Net operating income	$-610,000	9,037

* 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.