Home > Tennessee Commerce Bank > Income and Expense
Tennessee Commerce Bank, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $61,390,000 | 446 |
| Total interest expense | $23,580,000 | 235 |
| Net interest income | $37,810,000 | 577 |
| Provision for loan and lease losses | $155,665,000 | 48 |
| Total noninterest income | $-12,725,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $51,000 | 6,308 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-12,776,000 | 7,353 |
| Total noninterest expense | $29,916,000 | 661 |
| Salaries and employee benefits | $7,959,000 | 1,243 |
| Premises and equipment expense | $1,752,000 | 1,426 |
| Additional noninterest expense | $20,205,000 | 390 |
| Pre-tax net operating income | $-160,496,000 | 7,361 |
| Securities gains (losses) | $-10,442,000 | 7,343 |
| Applicable income taxes | $-5,914,000 | 7,319 |
| Income before extraordinary items | $-165,024,000 | 7,350 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-165,024,000 | 7,350 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-165,024,000 | 7,350 |
| Net charge-offs | $113,060,000 | 74 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-154,895,260 | 7,352 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $50,196,000 | 419 |
| Total interest expense | $18,900,000 | 233 |
| Net interest income | $31,296,000 | 529 |
| Provision for loan and lease losses | $111,517,000 | 53 |
| Total noninterest income | $-12,086,000 | 7,426 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $43,000 | 6,245 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-12,129,000 | 7,435 |
| Total noninterest expense | $19,402,000 | 766 |
| Salaries and employee benefits | $5,882,000 | 1,263 |
| Premises and equipment expense | $1,337,000 | 1,420 |
| Additional noninterest expense | $12,183,000 | 458 |
| Pre-tax net operating income | $-111,709,000 | 7,443 |
| Securities gains (losses) | $-10,579,000 | 7,426 |
| Applicable income taxes | $-6,125,000 | 7,413 |
| Income before extraordinary items | $-116,163,000 | 7,434 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-116,163,000 | 7,434 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-116,163,000 | 7,434 |
| Net charge-offs | $97,284,000 | 67 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-106,112,950 | 7,432 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $36,739,000 | 391 |
| Total interest expense | $13,071,000 | 236 |
| Net interest income | $23,668,000 | 465 |
| Provision for loan and lease losses | $101,956,000 | 46 |
| Total noninterest income | $-13,509,000 | 7,507 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $29,000 | 6,234 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-13,538,000 | 7,516 |
| Total noninterest expense | $12,452,000 | 809 |
| Salaries and employee benefits | $3,922,000 | 1,271 |
| Premises and equipment expense | $1,003,000 | 1,281 |
| Additional noninterest expense | $7,527,000 | 502 |
| Pre-tax net operating income | $-104,249,000 | 7,517 |
| Securities gains (losses) | $-441,000 | 7,426 |
| Applicable income taxes | $-6,498,000 | 7,496 |
| Income before extraordinary items | $-98,192,000 | 7,509 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-98,192,000 | 7,509 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-98,192,000 | 7,509 |
| Net charge-offs | $88,490,000 | 64 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-97,777,460 | 7,509 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $19,919,000 | 367 |
| Total interest expense | $6,478,000 | 244 |
| Net interest income | $13,441,000 | 416 |
| Provision for loan and lease losses | $8,948,000 | 150 |
| Total noninterest income | $-1,620,000 | 7,555 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $33,000 | 5,074 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-1,653,000 | 7,558 |
| Total noninterest expense | $6,179,000 | 815 |
| Salaries and employee benefits | $2,254,000 | 1,125 |
| Premises and equipment expense | $468,000 | 1,384 |
| Additional noninterest expense | $3,457,000 | 531 |
| Pre-tax net operating income | $-3,306,000 | 7,468 |
| Securities gains (losses) | $-119,000 | 7,420 |
| Applicable income taxes | $-1,247,000 | 7,528 |
| Income before extraordinary items | $-2,178,000 | 7,408 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,178,000 | 7,408 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,178,000 | 7,408 |
| Net charge-offs | $4,297,000 | 304 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,101,840 | 7,406 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $81,341,000 | 376 |
| Total interest expense | $27,183,000 | 289 |
| Net interest income | $54,158,000 | 405 |
| Provision for loan and lease losses | $20,011,000 | 368 |
| Total noninterest income | $2,127,000 | 1,996 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $122,000 | 5,235 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,005,000 | 1,399 |
| Total noninterest expense | $27,793,000 | 718 |
| Salaries and employee benefits | $11,646,000 | 846 |
| Premises and equipment expense | $1,809,000 | 1,426 |
| Additional noninterest expense | $14,338,000 | 537 |
| Pre-tax net operating income | $8,481,000 | 634 |
| Securities gains (losses) | $887,000 | 540 |
| Applicable income taxes | $3,367,000 | 494 |
| Income before extraordinary items | $6,001,000 | 739 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,001,000 | 739 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $6,001,000 | 740 |
| Net charge-offs | $18,461,000 | 362 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $5,433,320 | 774 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $60,602,000 | 382 |
| Total interest expense | $20,316,000 | 297 |
| Net interest income | $40,286,000 | 405 |
| Provision for loan and lease losses | $16,243,000 | 331 |
| Total noninterest income | $2,580,000 | 1,389 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $90,000 | 5,319 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,490,000 | 950 |
| Total noninterest expense | $20,117,000 | 726 |
| Salaries and employee benefits | $7,922,000 | 921 |
| Premises and equipment expense | $1,346,000 | 1,451 |
| Additional noninterest expense | $10,849,000 | 510 |
| Pre-tax net operating income | $6,506,000 | 656 |
| Securities gains (losses) | $734,000 | 536 |
| Applicable income taxes | $2,742,000 | 457 |
| Income before extraordinary items | $4,498,000 | 772 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $4,498,000 | 770 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $4,498,000 | 772 |
| Net charge-offs | $14,414,000 | 337 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $4,028,240 | 815 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $41,099,000 | 375 |
| Total interest expense | $13,503,000 | 310 |
| Net interest income | $27,596,000 | 395 |
| Provision for loan and lease losses | $9,050,000 | 383 |
| Total noninterest income | $1,133,000 | 1,864 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $56,000 | 5,427 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,077,000 | 1,229 |
| Total noninterest expense | $12,224,000 | 802 |
| Salaries and employee benefits | $5,169,000 | 943 |
| Premises and equipment expense | $867,000 | 1,515 |
| Additional noninterest expense | $6,188,000 | 582 |
| Pre-tax net operating income | $7,455,000 | 380 |
| Securities gains (losses) | $696,000 | 355 |
| Applicable income taxes | $3,153,000 | 281 |
| Income before extraordinary items | $4,998,000 | 434 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,998,000 | 435 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $4,998,000 | 435 |
| Net charge-offs | $8,617,000 | 375 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $4,552,560 | 467 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $20,492,000 | 391 |
| Total interest expense | $6,729,000 | 332 |
| Net interest income | $13,763,000 | 402 |
| Provision for loan and lease losses | $4,600,000 | 404 |
| Total noninterest income | $479,000 | 2,098 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $27,000 | 5,514 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $452,000 | 1,399 |
| Total noninterest expense | $5,914,000 | 841 |
| Salaries and employee benefits | $2,617,000 | 937 |
| Premises and equipment expense | $446,000 | 1,513 |
| Additional noninterest expense | $2,851,000 | 645 |
| Pre-tax net operating income | $3,728,000 | 361 |
| Securities gains (losses) | $419,000 | 292 |
| Applicable income taxes | $1,606,000 | 269 |
| Income before extraordinary items | $2,541,000 | 427 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,541,000 | 428 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $2,541,000 | 429 |
| Net charge-offs | $4,403,000 | 372 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $2,272,840 | 466 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $81,065,000 | 413 |
| Total interest expense | $34,302,000 | 333 |
| Net interest income | $46,763,000 | 455 |
| Provision for loan and lease losses | $31,039,000 | 361 |
| Total noninterest income | $-2,229,000 | 7,974 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $157,000 | 5,084 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-2,386,000 | 7,960 |
| Total noninterest expense | $19,987,000 | 1,052 |
| Salaries and employee benefits | $9,515,000 | 1,033 |
| Premises and equipment expense | $1,505,000 | 1,806 |
| Additional noninterest expense | $8,967,000 | 883 |
| Pre-tax net operating income | $-6,492,000 | 7,314 |
| Securities gains (losses) | $1,118,000 | 447 |
| Applicable income taxes | $-2,017,000 | 7,517 |
| Income before extraordinary items | $-3,357,000 | 7,057 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,357,000 | 7,055 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,357,000 | 7,055 |
| Net charge-offs | $24,580,000 | 346 |
| Cash dividends | $1,000,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-4,072,520 | 7,165 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $59,973,000 | 433 |
| Total interest expense | $26,882,000 | 342 |
| Net interest income | $33,091,000 | 490 |
| Provision for loan and lease losses | $26,889,000 | 323 |
| Total noninterest income | $-625,000 | 8,022 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $128,000 | 4,958 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-753,000 | 7,988 |
| Total noninterest expense | $15,352,000 | 1,007 |
| Salaries and employee benefits | $7,167,000 | 1,042 |
| Premises and equipment expense | $1,095,000 | 1,859 |
| Additional noninterest expense | $7,090,000 | 802 |
| Pre-tax net operating income | $-9,775,000 | 7,734 |
| Securities gains (losses) | $870,000 | 430 |
| Applicable income taxes | $-3,391,000 | 7,839 |
| Income before extraordinary items | $-5,514,000 | 7,617 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,514,000 | 7,617 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,514,000 | 7,617 |
| Net charge-offs | $20,653,000 | 295 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,070,800 | 7,662 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $39,342,000 | 450 |
| Total interest expense | $18,150,000 | 359 |
| Net interest income | $21,192,000 | 510 |
| Provision for loan and lease losses | $21,639,000 | 272 |
| Total noninterest income | $-1,491,000 | 8,155 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $89,000 | 4,870 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,580,000 | 8,149 |
| Total noninterest expense | $10,364,000 | 1,016 |
| Salaries and employee benefits | $5,140,000 | 986 |
| Premises and equipment expense | $732,000 | 1,891 |
| Additional noninterest expense | $4,492,000 | 852 |
| Pre-tax net operating income | $-12,302,000 | 7,954 |
| Securities gains (losses) | $338,000 | 694 |
| Applicable income taxes | $-4,575,000 | 8,026 |
| Income before extraordinary items | $-7,389,000 | 7,893 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,389,000 | 7,891 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,389,000 | 7,892 |
| Net charge-offs | $16,155,000 | 276 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-7,605,320 | 7,905 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $19,445,000 | 460 |
| Total interest expense | $9,164,000 | 364 |
| Net interest income | $10,281,000 | 526 |
| Provision for loan and lease losses | $8,514,000 | 288 |
| Total noninterest income | $-237,000 | 8,183 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $43,000 | 4,885 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-280,000 | 8,173 |
| Total noninterest expense | $4,528,000 | 1,107 |
| Salaries and employee benefits | $2,282,000 | 1,115 |
| Premises and equipment expense | $380,000 | 1,862 |
| Additional noninterest expense | $1,866,000 | 890 |
| Pre-tax net operating income | $-2,998,000 | 7,944 |
| Securities gains (losses) | $418,000 | 399 |
| Applicable income taxes | $-979,000 | 8,001 |
| Income before extraordinary items | $-1,601,000 | 7,848 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,601,000 | 7,849 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,601,000 | 7,849 |
| Net charge-offs | $6,544,000 | 264 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,868,520 | 7,883 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $75,947,000 | 502 |
| Total interest expense | $39,540,000 | 413 |
| Net interest income | $36,407,000 | 594 |
| Provision for loan and lease losses | $9,111,000 | 641 |
| Total noninterest income | $3,940,000 | 1,286 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $121,000 | 5,644 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,819,000 | 796 |
| Total noninterest expense | $15,099,000 | 1,296 |
| Salaries and employee benefits | $8,811,000 | 1,122 |
| Premises and equipment expense | $1,314,000 | 2,059 |
| Additional noninterest expense | $4,974,000 | 1,272 |
| Pre-tax net operating income | $16,137,000 | 338 |
| Securities gains (losses) | $447,000 | 418 |
| Applicable income taxes | $6,208,000 | 268 |
| Income before extraordinary items | $10,376,000 | 375 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,376,000 | 375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,978,000 | 591 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 1,116 |
| Net operating income | $10,089,920 | 402 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $55,652,000 | 526 |
| Total interest expense | $29,546,000 | 429 |
| Net interest income | $26,106,000 | 630 |
| Provision for loan and lease losses | $5,790,000 | 589 |
| Total noninterest income | $1,522,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $88,000 | 5,716 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,434,000 | 1,404 |
| Total noninterest expense | $10,562,000 | 1,365 |
| Salaries and employee benefits | $5,997,000 | 1,280 |
| Premises and equipment expense | $960,000 | 2,121 |
| Additional noninterest expense | $3,605,000 | 1,269 |
| Pre-tax net operating income | $11,276,000 | 457 |
| Securities gains (losses) | $-67,000 | 7,499 |
| Applicable income taxes | $4,331,000 | 353 |
| Income before extraordinary items | $6,878,000 | 533 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $6,878,000 | 532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,920,000 | 536 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 940 |
| Net operating income | $6,920,880 | 551 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $35,906,000 | 546 |
| Total interest expense | $19,529,000 | 456 |
| Net interest income | $16,377,000 | 675 |
| Provision for loan and lease losses | $3,940,000 | 511 |
| Total noninterest income | $1,300,000 | 1,822 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $49,000 | 5,983 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,251,000 | 1,206 |
| Total noninterest expense | $6,907,000 | 1,392 |
| Salaries and employee benefits | $4,051,000 | 1,282 |
| Premises and equipment expense | $674,000 | 2,015 |
| Additional noninterest expense | $2,182,000 | 1,353 |
| Pre-tax net operating income | $6,830,000 | 530 |
| Securities gains (losses) | $30,000 | 1,782 |
| Applicable income taxes | $2,651,000 | 415 |
| Income before extraordinary items | $4,209,000 | 655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,209,000 | 654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,741,000 | 452 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 766 |
| Net operating income | $4,189,800 | 632 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $17,482,000 | 579 |
| Total interest expense | $9,774,000 | 482 |
| Net interest income | $7,708,000 | 712 |
| Provision for loan and lease losses | $1,600,000 | 450 |
| Total noninterest income | $497,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $473,000 | 1,472 |
| Total noninterest expense | $3,733,000 | 1,295 |
| Salaries and employee benefits | $2,285,000 | 1,129 |
| Premises and equipment expense | $342,000 | 1,994 |
| Additional noninterest expense | $1,106,000 | 1,298 |
| Pre-tax net operating income | $2,872,000 | 676 |
| Securities gains (losses) | $30,000 | 1,366 |
| Applicable income taxes | $1,123,000 | 531 |
| Income before extraordinary items | $1,779,000 | 844 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,779,000 | 846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 498 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 469 |
| Net operating income | $1,759,800 | 816 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $62,189,000 | 671 |
| Total interest expense | $34,302,000 | 586 |
| Net interest income | $27,887,000 | 791 |
| Provision for loan and lease losses | $6,350,000 | 343 |
| Total noninterest income | $2,854,000 | 1,702 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $132,000 | 5,619 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,722,000 | 1,087 |
| Total noninterest expense | $12,002,000 | 1,538 |
| Salaries and employee benefits | $7,718,000 | 1,295 |
| Premises and equipment expense | $978,000 | 2,626 |
| Additional noninterest expense | $3,306,000 | 1,691 |
| Pre-tax net operating income | $12,389,000 | 694 |
| Securities gains (losses) | $26,000 | 1,015 |
| Applicable income taxes | $4,339,000 | 599 |
| Income before extraordinary items | $8,076,000 | 809 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,076,000 | 807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,996,000 | 461 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $1,990,000 | 361 |
| Net operating income | $8,059,100 | 800 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $44,181,000 | 697 |
| Total interest expense | $24,455,000 | 614 |
| Net interest income | $19,726,000 | 831 |
| Provision for loan and lease losses | $4,300,000 | 288 |
| Total noninterest income | $1,996,000 | 1,789 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $168,000 | 4,700 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,828,000 | 1,195 |
| Total noninterest expense | $8,509,000 | 1,604 |
| Salaries and employee benefits | $5,363,000 | 1,422 |
| Premises and equipment expense | $642,000 | 2,901 |
| Additional noninterest expense | $2,504,000 | 1,631 |
| Pre-tax net operating income | $8,913,000 | 772 |
| Securities gains (losses) | $10,000 | 1,001 |
| Applicable income taxes | $3,447,000 | 624 |
| Income before extraordinary items | $5,476,000 | 952 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,476,000 | 950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,017,000 | 400 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $2,091,000 | 268 |
| Net operating income | $5,469,600 | 940 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $27,815,000 | 748 |
| Total interest expense | $15,314,000 | 654 |
| Net interest income | $12,501,000 | 894 |
| Provision for loan and lease losses | $3,000,000 | 243 |
| Total noninterest income | $1,422,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $118,000 | 4,611 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,304,000 | 1,161 |
| Total noninterest expense | $5,238,000 | 1,765 |
| Salaries and employee benefits | $3,238,000 | 1,584 |
| Premises and equipment expense | $427,000 | 2,933 |
| Additional noninterest expense | $1,573,000 | 1,732 |
| Pre-tax net operating income | $5,685,000 | 846 |
| Securities gains (losses) | $10,000 | 866 |
| Applicable income taxes | $2,202,000 | 675 |
| Income before extraordinary items | $3,493,000 | 1,034 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,493,000 | 1,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,348,000 | 365 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $1,749,000 | 209 |
| Net operating income | $3,486,600 | 1,018 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,967,000 | 798 |
| Total interest expense | $7,247,000 | 681 |
| Net interest income | $5,720,000 | 975 |
| Provision for loan and lease losses | $1,500,000 | 217 |
| Total noninterest income | $822,000 | 1,536 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $37,000 | 5,442 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $785,000 | 1,001 |
| Total noninterest expense | $2,449,000 | 1,887 |
| Salaries and employee benefits | $1,472,000 | 1,759 |
| Premises and equipment expense | $224,000 | 2,845 |
| Additional noninterest expense | $753,000 | 1,776 |
| Pre-tax net operating income | $2,593,000 | 908 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,002,000 | 737 |
| Income before extraordinary items | $1,591,000 | 1,107 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,591,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $709,000 | 318 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $318,000 | 200 |
| Net operating income | $1,591,000 | 1,090 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $41,228,000 | 944 |
| Total interest expense | $21,271,000 | 788 |
| Net interest income | $19,957,000 | 1,111 |
| Provision for loan and lease losses | $4,350,000 | 274 |
| Total noninterest income | $1,763,000 | 2,425 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $112,000 | 5,989 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,651,000 | 1,551 |
| Total noninterest expense | $8,229,000 | 2,154 |
| Salaries and employee benefits | $4,992,000 | 1,942 |
| Premises and equipment expense | $807,000 | 2,984 |
| Additional noninterest expense | $2,430,000 | 2,159 |
| Pre-tax net operating income | $9,141,000 | 1,075 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,527,000 | 830 |
| Income before extraordinary items | $5,614,000 | 1,293 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,614,000 | 1,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,782,000 | 434 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 919 |
| Net operating income | $5,614,000 | 1,276 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $28,745,000 | 1,027 |
| Total interest expense | $14,476,000 | 852 |
| Net interest income | $14,269,000 | 1,185 |
| Provision for loan and lease losses | $3,150,000 | 263 |
| Total noninterest income | $1,124,000 | 2,712 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $80,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,044,000 | 1,763 |
| Total noninterest expense | $6,388,000 | 2,065 |
| Salaries and employee benefits | $3,823,000 | 1,903 |
| Premises and equipment expense | $604,000 | 2,986 |
| Additional noninterest expense | $1,961,000 | 1,991 |
| Pre-tax net operating income | $5,855,000 | 1,300 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,258,000 | 990 |
| Income before extraordinary items | $3,597,000 | 1,550 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,597,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,350,000 | 364 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 691 |
| Net operating income | $3,597,000 | 1,533 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,750,000 | 1,087 |
| Total interest expense | $8,761,000 | 883 |
| Net interest income | $8,989,000 | 1,274 |
| Provision for loan and lease losses | $2,000,000 | 271 |
| Total noninterest income | $534,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $58,000 | 6,028 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,289 |
| Total noninterest expense | $4,118,000 | 2,146 |
| Salaries and employee benefits | $2,483,000 | 1,959 |
| Premises and equipment expense | $371,000 | 3,174 |
| Additional noninterest expense | $1,264,000 | 2,077 |
| Pre-tax net operating income | $3,405,000 | 1,484 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,314,000 | 1,116 |
| Income before extraordinary items | $2,091,000 | 1,733 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,091,000 | 1,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $891,000 | 369 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $106,000 | 530 |
| Net operating income | $2,091,000 | 1,720 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,400,000 | 1,118 |
| Total interest expense | $4,011,000 | 910 |
| Net interest income | $4,389,000 | 1,301 |
| Provision for loan and lease losses | $1,000,000 | 265 |
| Total noninterest income | $245,000 | 3,515 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $217,000 | 2,374 |
| Total noninterest expense | $1,977,000 | 2,246 |
| Salaries and employee benefits | $1,200,000 | 2,048 |
| Premises and equipment expense | $190,000 | 3,138 |
| Additional noninterest expense | $587,000 | 2,206 |
| Pre-tax net operating income | $1,657,000 | 1,494 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $640,000 | 1,136 |
| Income before extraordinary items | $1,017,000 | 1,762 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,017,000 | 1,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 401 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 368 |
| Net operating income | $1,017,000 | 1,745 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,620,000 | 1,412 |
| Total interest expense | $9,589,000 | 1,176 |
| Net interest income | $14,031,000 | 1,562 |
| Provision for loan and lease losses | $3,700,000 | 301 |
| Total noninterest income | $1,307,000 | 2,947 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $114,000 | 6,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,193,000 | 1,973 |
| Total noninterest expense | $6,199,000 | 2,672 |
| Salaries and employee benefits | $3,670,000 | 2,495 |
| Premises and equipment expense | $629,000 | 3,514 |
| Additional noninterest expense | $1,900,000 | 2,614 |
| Pre-tax net operating income | $5,439,000 | 1,716 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $2,099,000 | 1,307 |
| Income before extraordinary items | $3,344,000 | 2,050 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,344,000 | 2,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,142,000 | 372 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,341,440 | 2,027 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,586,000 | 1,467 |
| Total interest expense | $6,321,000 | 1,267 |
| Net interest income | $10,265,000 | 1,590 |
| Provision for loan and lease losses | $2,800,000 | 283 |
| Total noninterest income | $780,000 | 3,467 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 6,241 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $700,000 | 2,319 |
| Total noninterest expense | $4,500,000 | 2,725 |
| Salaries and employee benefits | $2,618,000 | 2,563 |
| Premises and equipment expense | $502,000 | 3,351 |
| Additional noninterest expense | $1,380,000 | 2,667 |
| Pre-tax net operating income | $3,745,000 | 1,866 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $1,446,000 | 1,424 |
| Income before extraordinary items | $2,303,000 | 2,223 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,303,000 | 2,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,466,000 | 380 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,300,440 | 2,187 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,221,000 | 1,556 |
| Total interest expense | $3,691,000 | 1,365 |
| Net interest income | $6,530,000 | 1,651 |
| Provision for loan and lease losses | $1,800,000 | 282 |
| Total noninterest income | $562,000 | 3,264 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $508,000 | 2,154 |
| Total noninterest expense | $2,976,000 | 2,713 |
| Salaries and employee benefits | $1,781,000 | 2,503 |
| Premises and equipment expense | $324,000 | 3,400 |
| Additional noninterest expense | $871,000 | 2,806 |
| Pre-tax net operating income | $2,316,000 | 1,955 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $894,000 | 1,492 |
| Income before extraordinary items | $1,426,000 | 2,311 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,426,000 | 2,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $914,000 | 388 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,423,440 | 2,284 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,673,000 | 1,679 |
| Total interest expense | $1,626,000 | 1,470 |
| Net interest income | $3,047,000 | 1,753 |
| Provision for loan and lease losses | $650,000 | 373 |
| Total noninterest income | $220,000 | 3,748 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $194,000 | 2,530 |
| Total noninterest expense | $1,523,000 | 2,674 |
| Salaries and employee benefits | $897,000 | 2,500 |
| Premises and equipment expense | $142,000 | 3,794 |
| Additional noninterest expense | $484,000 | 2,519 |
| Pre-tax net operating income | $1,094,000 | 2,016 |
| Securities gains (losses) | $-4,000 | 8,340 |
| Applicable income taxes | $419,000 | 1,558 |
| Income before extraordinary items | $671,000 | 2,399 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $671,000 | 2,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 493 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $673,560 | 2,360 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,185,000 | 2,184 |
| Total interest expense | $4,265,000 | 1,910 |
| Net interest income | $8,920,000 | 2,291 |
| Provision for loan and lease losses | $2,420,000 | 460 |
| Total noninterest income | $767,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $131,000 | 6,042 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $636,000 | 2,884 |
| Total noninterest expense | $4,518,000 | 3,401 |
| Salaries and employee benefits | $2,578,000 | 3,259 |
| Premises and equipment expense | $528,000 | 3,916 |
| Additional noninterest expense | $1,412,000 | 3,275 |
| Pre-tax net operating income | $2,749,000 | 2,768 |
| Securities gains (losses) | $33,000 | 2,039 |
| Applicable income taxes | $1,082,000 | 2,031 |
| Income before extraordinary items | $1,700,000 | 3,324 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,700,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,578,000 | 553 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $8,324,000 | 143 |
| Net operating income | $1,678,880 | 3,285 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,000,000 | 2,360 |
| Total interest expense | $2,912,000 | 2,053 |
| Net interest income | $6,088,000 | 2,490 |
| Provision for loan and lease losses | $1,530,000 | 515 |
| Total noninterest income | $475,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $97,000 | 6,103 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $378,000 | 3,297 |
| Total noninterest expense | $3,299,000 | 3,455 |
| Salaries and employee benefits | $1,893,000 | 3,300 |
| Premises and equipment expense | $385,000 | 3,983 |
| Additional noninterest expense | $1,021,000 | 3,369 |
| Pre-tax net operating income | $1,734,000 | 3,235 |
| Securities gains (losses) | $33,000 | 1,968 |
| Applicable income taxes | $682,000 | 2,369 |
| Income before extraordinary items | $1,085,000 | 3,808 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,085,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $971,000 | 582 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $8,324,000 | 108 |
| Net operating income | $1,063,880 | 3,787 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,486,000 | 2,551 |
| Total interest expense | $1,766,000 | 2,218 |
| Net interest income | $3,720,000 | 2,671 |
| Provision for loan and lease losses | $905,000 | 558 |
| Total noninterest income | $291,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $67,000 | 6,054 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $224,000 | 3,535 |
| Total noninterest expense | $2,140,000 | 3,548 |
| Salaries and employee benefits | $1,233,000 | 3,360 |
| Premises and equipment expense | $258,000 | 3,980 |
| Additional noninterest expense | $649,000 | 3,511 |
| Pre-tax net operating income | $966,000 | 3,613 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $377,000 | 2,664 |
| Income before extraordinary items | $600,000 | 4,250 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $600,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $594,000 | 617 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $5,606,000 | 99 |
| Net operating income | $592,960 | 4,204 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 2,713 |
| Total interest expense | $844,000 | 2,328 |
| Net interest income | $1,728,000 | 2,876 |
| Provision for loan and lease losses | $480,000 | 537 |
| Total noninterest income | $218,000 | 3,853 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $30,000 | 6,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $188,000 | 2,570 |
| Total noninterest expense | $1,061,000 | 3,594 |
| Salaries and employee benefits | $619,000 | 3,369 |
| Premises and equipment expense | $130,000 | 3,989 |
| Additional noninterest expense | $312,000 | 3,628 |
| Pre-tax net operating income | $405,000 | 4,051 |
| Securities gains (losses) | $10,000 | 2,045 |
| Applicable income taxes | $160,000 | 2,979 |
| Income before extraordinary items | $255,000 | 4,701 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $255,000 | 4,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 606 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,010,000 | 119 |
| Net operating income | $248,600 | 4,659 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,206,000 | 3,365 |
| Total interest expense | $2,977,000 | 2,891 |
| Net interest income | $5,229,000 | 3,569 |
| Provision for loan and lease losses | $1,115,000 | 1,068 |
| Total noninterest income | $300,000 | 6,598 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $94,000 | 6,640 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $206,000 | 5,220 |
| Total noninterest expense | $3,451,000 | 4,164 |
| Salaries and employee benefits | $1,996,000 | 3,931 |
| Premises and equipment expense | $488,000 | 4,152 |
| Additional noninterest expense | $967,000 | 4,386 |
| Pre-tax net operating income | $963,000 | 5,268 |
| Securities gains (losses) | $132,000 | 1,652 |
| Applicable income taxes | $188,000 | 5,007 |
| Income before extraordinary items | $907,000 | 4,918 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $907,000 | 4,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,739 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,956,000 | 238 |
| Net operating income | $797,440 | 5,084 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,760,000 | 3,595 |
| Total interest expense | $2,202,000 | 3,022 |
| Net interest income | $3,558,000 | 3,853 |
| Provision for loan and lease losses | $690,000 | 1,239 |
| Total noninterest income | $226,000 | 6,631 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $70,000 | 6,717 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $156,000 | 5,265 |
| Total noninterest expense | $2,524,000 | 4,234 |
| Salaries and employee benefits | $1,470,000 | 3,984 |
| Premises and equipment expense | $353,000 | 4,239 |
| Additional noninterest expense | $701,000 | 4,466 |
| Pre-tax net operating income | $570,000 | 5,992 |
| Securities gains (losses) | $133,000 | 1,506 |
| Applicable income taxes | $35,000 | 6,476 |
| Income before extraordinary items | $668,000 | 5,115 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $668,000 | 5,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,571 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,936,000 | 158 |
| Net operating income | $541,650 | 5,471 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 3,843 |
| Total interest expense | $1,433,000 | 3,188 |
| Net interest income | $2,125,000 | 4,207 |
| Provision for loan and lease losses | $440,000 | 1,297 |
| Total noninterest income | $133,000 | 6,869 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $43,000 | 6,840 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $90,000 | 5,513 |
| Total noninterest expense | $1,550,000 | 4,477 |
| Salaries and employee benefits | $906,000 | 4,236 |
| Premises and equipment expense | $224,000 | 4,388 |
| Additional noninterest expense | $420,000 | 4,834 |
| Pre-tax net operating income | $268,000 | 6,717 |
| Securities gains (losses) | $132,000 | 1,312 |
| Applicable income taxes | $-94,000 | 9,131 |
| Income before extraordinary items | $494,000 | 4,835 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $494,000 | 4,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,277,000 | 105 |
| Net operating income | $362,000 | 5,443 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 4,063 |
| Total interest expense | $693,000 | 3,347 |
| Net interest income | $990,000 | 4,430 |
| Provision for loan and lease losses | $200,000 | 1,357 |
| Total noninterest income | $39,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $726,000 | 4,674 |
| Salaries and employee benefits | $424,000 | 4,439 |
| Premises and equipment expense | $108,000 | 4,477 |
| Additional noninterest expense | $194,000 | 5,069 |
| Pre-tax net operating income | $103,000 | 7,150 |
| Securities gains (losses) | $94,000 | 1,035 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $197,000 | 5,372 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 9,080 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $648,000 | 121 |
| Net operating income | $103,000 | 6,674 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,181,000 | 5,059 |
| Total interest expense | $2,453,000 | 4,156 |
| Net interest income | $2,728,000 | 5,617 |
| Provision for loan and lease losses | $318,000 | 3,313 |
| Total noninterest income | $119,000 | 8,172 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $71,000 | 7,103 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $48,000 | 7,649 |
| Total noninterest expense | $2,182,000 | 5,560 |
| Salaries and employee benefits | $1,102,000 | 5,800 |
| Premises and equipment expense | $378,000 | 4,840 |
| Additional noninterest expense | $702,000 | 5,397 |
| Pre-tax net operating income | $347,000 | 7,372 |
| Securities gains (losses) | $139,000 | 1,444 |
| Applicable income taxes | $-650,000 | 9,270 |
| Income before extraordinary items | $1,136,000 | 4,229 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,136,000 | 4,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,701 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $1,422,000 | 341 |
| Net operating income | $997,000 | 4,487 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,357,000 | 6,055 |
| Total interest expense | $2,437,000 | 5,478 |
| Net interest income | $1,920,000 | 6,558 |
| Provision for loan and lease losses | $815,000 | 1,478 |
| Total noninterest income | $70,000 | 8,910 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $40,000 | 7,789 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $30,000 | 8,341 |
| Total noninterest expense | $1,908,000 | 5,913 |
| Salaries and employee benefits | $991,000 | 6,013 |
| Premises and equipment expense | $366,000 | 4,887 |
| Additional noninterest expense | $551,000 | 6,151 |
| Pre-tax net operating income | $-733,000 | 9,259 |
| Securities gains (losses) | $204,000 | 1,176 |
| Applicable income taxes | $-100,000 | 9,258 |
| Income before extraordinary items | $-429,000 | 9,198 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-429,000 | 9,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $632,000 | 1,311 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-594,240 | 9,240 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,314,000 | 8,110 |
| Total interest expense | $1,078,000 | 8,064 |
| Net interest income | $1,236,000 | 7,998 |
| Provision for loan and lease losses | $795,000 | 1,283 |
| Total noninterest income | $30,000 | 9,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $2,218,000 | 5,304 |
| Salaries and employee benefits | $1,389,000 | 4,650 |
| Premises and equipment expense | $296,000 | 5,466 |
| Additional noninterest expense | $533,000 | 6,181 |
| Pre-tax net operating income | $-1,747,000 | 9,808 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,000 | 8,314 |
| Income before extraordinary items | $-1,748,000 | 9,814 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,748,000 | 9,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,481 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $8,288,000 | 90 |
| Net operating income | $-1,748,000 | 9,815 |
* 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.