Home > The Bank of Southern Connecticut > Income and Expense
The Bank of Southern Connecticut, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 3,938 |
| Total interest expense | $220,000 | 3,465 |
| Net interest income | $1,138,000 | 3,969 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $124,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $68,000 | 3,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $56,000 | 4,565 |
| Total noninterest expense | $1,319,000 | 3,312 |
| Salaries and employee benefits | $679,000 | 3,400 |
| Premises and equipment expense | $170,000 | 3,091 |
| Additional noninterest expense | $470,000 | 3,122 |
| Pre-tax net operating income | $-57,000 | 6,552 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-57,000 | 6,609 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-57,000 | 6,610 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-57,000 | 6,610 |
| Net charge-offs | $-5,000 | 5,894 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-57,000 | 6,562 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,012,000 | 3,837 |
| Total interest expense | $1,073,000 | 3,458 |
| Net interest income | $4,939,000 | 3,851 |
| Provision for loan and lease losses | $473,000 | 2,797 |
| Total noninterest income | $636,000 | 4,071 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $320,000 | 3,366 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $316,000 | 3,972 |
| Total noninterest expense | $5,135,000 | 3,401 |
| Salaries and employee benefits | $2,917,000 | 3,187 |
| Premises and equipment expense | $611,000 | 3,345 |
| Additional noninterest expense | $1,607,000 | 3,612 |
| Pre-tax net operating income | $-33,000 | 6,210 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-33,000 | 6,357 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-33,000 | 6,351 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-33,000 | 6,353 |
| Net charge-offs | $544,000 | 2,549 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-33,000 | 6,226 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,663,000 | 3,803 |
| Total interest expense | $847,000 | 3,442 |
| Net interest income | $3,816,000 | 3,832 |
| Provision for loan and lease losses | $240,000 | 3,256 |
| Total noninterest income | $479,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $256,000 | 3,283 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $223,000 | 4,099 |
| Total noninterest expense | $3,882,000 | 3,404 |
| Salaries and employee benefits | $2,192,000 | 3,207 |
| Premises and equipment expense | $451,000 | 3,434 |
| Additional noninterest expense | $1,239,000 | 3,561 |
| Pre-tax net operating income | $173,000 | 5,769 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $173,000 | 5,834 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $173,000 | 5,833 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $173,000 | 5,833 |
| Net charge-offs | $312,000 | 2,773 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $173,000 | 5,665 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,172,000 | 3,791 |
| Total interest expense | $600,000 | 3,402 |
| Net interest income | $2,572,000 | 3,816 |
| Provision for loan and lease losses | $210,000 | 2,897 |
| Total noninterest income | $295,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $156,000 | 3,432 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $139,000 | 4,183 |
| Total noninterest expense | $2,669,000 | 3,351 |
| Salaries and employee benefits | $1,522,000 | 3,128 |
| Premises and equipment expense | $291,000 | 3,512 |
| Additional noninterest expense | $856,000 | 3,511 |
| Pre-tax net operating income | $-12,000 | 6,352 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-12,000 | 6,484 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-12,000 | 6,484 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-12,000 | 6,484 |
| Net charge-offs | $325,000 | 2,227 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-12,000 | 6,359 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 3,874 |
| Total interest expense | $329,000 | 3,303 |
| Net interest income | $1,228,000 | 3,956 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $167,000 | 4,014 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $74,000 | 3,530 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $93,000 | 3,812 |
| Total noninterest expense | $1,402,000 | 3,216 |
| Salaries and employee benefits | $802,000 | 3,024 |
| Premises and equipment expense | $158,000 | 3,324 |
| Additional noninterest expense | $442,000 | 3,403 |
| Pre-tax net operating income | $-37,000 | 6,580 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-37,000 | 6,675 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-37,000 | 6,675 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-37,000 | 6,675 |
| Net charge-offs | $-70,000 | 7,134 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-37,000 | 6,589 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,109,000 | 3,635 |
| Total interest expense | $1,950,000 | 2,829 |
| Net interest income | $5,159,000 | 3,825 |
| Provision for loan and lease losses | $3,036,000 | 1,182 |
| Total noninterest income | $633,000 | 3,965 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $427,000 | 2,904 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $206,000 | 4,431 |
| Total noninterest expense | $5,381,000 | 3,341 |
| Salaries and employee benefits | $2,648,000 | 3,408 |
| Premises and equipment expense | $650,000 | 3,368 |
| Additional noninterest expense | $2,083,000 | 3,028 |
| Pre-tax net operating income | $-2,625,000 | 6,881 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-2,625,000 | 6,912 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,625,000 | 6,912 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,625,000 | 6,912 |
| Net charge-offs | $3,523,000 | 1,074 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,625,000 | 6,892 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,431,000 | 3,634 |
| Total interest expense | $1,537,000 | 2,824 |
| Net interest income | $3,894,000 | 3,835 |
| Provision for loan and lease losses | $1,039,000 | 1,914 |
| Total noninterest income | $415,000 | 4,246 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $316,000 | 2,929 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $99,000 | 5,104 |
| Total noninterest expense | $3,937,000 | 3,410 |
| Salaries and employee benefits | $1,972,000 | 3,440 |
| Premises and equipment expense | $493,000 | 3,387 |
| Additional noninterest expense | $1,472,000 | 3,203 |
| Pre-tax net operating income | $-667,000 | 6,680 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-667,000 | 6,753 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-667,000 | 6,753 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-667,000 | 6,753 |
| Net charge-offs | $1,527,000 | 1,474 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-667,000 | 6,713 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,652,000 | 3,635 |
| Total interest expense | $1,028,000 | 2,894 |
| Net interest income | $2,624,000 | 3,819 |
| Provision for loan and lease losses | $666,000 | 1,951 |
| Total noninterest income | $260,000 | 4,407 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $208,000 | 2,930 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $52,000 | 5,412 |
| Total noninterest expense | $2,643,000 | 3,442 |
| Salaries and employee benefits | $1,377,000 | 3,346 |
| Premises and equipment expense | $337,000 | 3,356 |
| Additional noninterest expense | $929,000 | 3,370 |
| Pre-tax net operating income | $-425,000 | 6,747 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-425,000 | 6,801 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-425,000 | 6,800 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-425,000 | 6,801 |
| Net charge-offs | $1,284,000 | 1,256 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-425,000 | 6,795 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,827,000 | 3,649 |
| Total interest expense | $503,000 | 3,022 |
| Net interest income | $1,324,000 | 3,794 |
| Provision for loan and lease losses | $743,000 | 1,095 |
| Total noninterest income | $129,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $101,000 | 2,954 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,466 |
| Total noninterest expense | $1,340,000 | 3,390 |
| Salaries and employee benefits | $698,000 | 3,337 |
| Premises and equipment expense | $177,000 | 3,281 |
| Additional noninterest expense | $465,000 | 3,365 |
| Pre-tax net operating income | $-630,000 | 7,142 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-630,000 | 7,184 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-630,000 | 7,185 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-630,000 | 7,185 |
| Net charge-offs | $1,031,000 | 843 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-630,000 | 7,173 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,498,000 | 3,721 |
| Total interest expense | $2,027,000 | 3,526 |
| Net interest income | $5,471,000 | 3,720 |
| Provision for loan and lease losses | $2,037,000 | 2,046 |
| Total noninterest income | $573,000 | 4,334 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $440,000 | 2,895 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $133,000 | 5,108 |
| Total noninterest expense | $5,184,000 | 3,504 |
| Salaries and employee benefits | $2,887,000 | 3,221 |
| Premises and equipment expense | $643,000 | 3,536 |
| Additional noninterest expense | $1,654,000 | 3,746 |
| Pre-tax net operating income | $-1,177,000 | 6,552 |
| Securities gains (losses) | $29,000 | 2,945 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,148,000 | 6,641 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,148,000 | 6,642 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,148,000 | 6,642 |
| Net charge-offs | $2,019,000 | 1,849 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,177,000 | 6,619 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,602,000 | 3,815 |
| Total interest expense | $1,515,000 | 3,678 |
| Net interest income | $4,087,000 | 3,779 |
| Provision for loan and lease losses | $224,000 | 4,755 |
| Total noninterest income | $437,000 | 4,342 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $335,000 | 2,932 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $102,000 | 5,180 |
| Total noninterest expense | $4,066,000 | 3,361 |
| Salaries and employee benefits | $2,160,000 | 3,242 |
| Premises and equipment expense | $477,000 | 3,614 |
| Additional noninterest expense | $1,429,000 | 3,361 |
| Pre-tax net operating income | $234,000 | 5,122 |
| Securities gains (losses) | $29,000 | 2,736 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $263,000 | 5,033 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $263,000 | 5,035 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $263,000 | 5,036 |
| Net charge-offs | $85,000 | 5,070 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $234,000 | 4,988 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 3,908 |
| Total interest expense | $973,000 | 3,875 |
| Net interest income | $2,669,000 | 3,840 |
| Provision for loan and lease losses | $118,000 | 5,004 |
| Total noninterest income | $304,000 | 4,230 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $235,000 | 2,836 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $69,000 | 5,176 |
| Total noninterest expense | $2,710,000 | 3,373 |
| Salaries and employee benefits | $1,446,000 | 3,243 |
| Premises and equipment expense | $316,000 | 3,664 |
| Additional noninterest expense | $948,000 | 3,347 |
| Pre-tax net operating income | $145,000 | 5,236 |
| Securities gains (losses) | $29,000 | 2,194 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $174,000 | 5,070 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $174,000 | 5,073 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $174,000 | 5,072 |
| Net charge-offs | $88,000 | 4,381 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $145,000 | 5,101 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,761,000 | 4,061 |
| Total interest expense | $471,000 | 4,086 |
| Net interest income | $1,290,000 | 3,954 |
| Provision for loan and lease losses | $-35,000 | 7,867 |
| Total noninterest income | $151,000 | 4,270 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $118,000 | 2,818 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $33,000 | 5,318 |
| Total noninterest expense | $1,417,000 | 3,291 |
| Salaries and employee benefits | $737,000 | 3,234 |
| Premises and equipment expense | $176,000 | 3,445 |
| Additional noninterest expense | $504,000 | 3,164 |
| Pre-tax net operating income | $59,000 | 5,555 |
| Securities gains (losses) | $30,000 | 1,362 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $89,000 | 5,128 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $89,000 | 5,129 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $89,000 | 5,128 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $59,000 | 5,460 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,348,000 | 4,453 |
| Total interest expense | $2,172,000 | 4,228 |
| Net interest income | $4,176,000 | 4,450 |
| Provision for loan and lease losses | $1,993,000 | 2,479 |
| Total noninterest income | $639,000 | 4,251 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $507,000 | 2,853 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $132,000 | 5,282 |
| Total noninterest expense | $5,192,000 | 3,562 |
| Salaries and employee benefits | $2,933,000 | 3,245 |
| Premises and equipment expense | $651,000 | 3,661 |
| Additional noninterest expense | $1,608,000 | 3,895 |
| Pre-tax net operating income | $-2,370,000 | 6,738 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-2,370,000 | 6,855 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,370,000 | 6,852 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,370,000 | 6,853 |
| Net charge-offs | $407,000 | 4,063 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,370,000 | 6,854 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,631,000 | 4,591 |
| Total interest expense | $1,667,000 | 4,306 |
| Net interest income | $2,964,000 | 4,623 |
| Provision for loan and lease losses | $1,944,000 | 1,943 |
| Total noninterest income | $470,000 | 4,348 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $388,000 | 2,824 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $82,000 | 5,640 |
| Total noninterest expense | $3,822,000 | 3,621 |
| Salaries and employee benefits | $2,184,000 | 3,296 |
| Premises and equipment expense | $482,000 | 3,719 |
| Additional noninterest expense | $1,156,000 | 3,972 |
| Pre-tax net operating income | $-2,332,000 | 7,146 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,332,000 | 7,259 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,332,000 | 7,258 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,332,000 | 7,259 |
| Net charge-offs | $407,000 | 3,323 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,332,000 | 7,253 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,042,000 | 4,663 |
| Total interest expense | $1,075,000 | 4,520 |
| Net interest income | $1,967,000 | 4,636 |
| Provision for loan and lease losses | $2,081,000 | 1,365 |
| Total noninterest income | $327,000 | 4,270 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $274,000 | 2,688 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $53,000 | 5,767 |
| Total noninterest expense | $2,602,000 | 3,599 |
| Salaries and employee benefits | $1,476,000 | 3,282 |
| Premises and equipment expense | $327,000 | 3,693 |
| Additional noninterest expense | $799,000 | 3,871 |
| Pre-tax net operating income | $-2,389,000 | 7,475 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,389,000 | 7,550 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,389,000 | 7,549 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,389,000 | 7,549 |
| Net charge-offs | $410,000 | 2,576 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,389,000 | 7,564 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,554,000 | 4,649 |
| Total interest expense | $494,000 | 4,864 |
| Net interest income | $1,060,000 | 4,399 |
| Provision for loan and lease losses | $2,146,000 | 715 |
| Total noninterest income | $167,000 | 4,177 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $145,000 | 2,536 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $22,000 | 6,048 |
| Total noninterest expense | $1,285,000 | 3,567 |
| Salaries and employee benefits | $748,000 | 3,281 |
| Premises and equipment expense | $177,000 | 3,542 |
| Additional noninterest expense | $360,000 | 3,872 |
| Pre-tax net operating income | $-2,204,000 | 7,859 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-2,204,000 | 7,920 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,204,000 | 7,920 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,204,000 | 7,921 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,204,000 | 7,922 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,941,000 | 4,504 |
| Total interest expense | $2,240,000 | 5,034 |
| Net interest income | $4,701,000 | 4,115 |
| Provision for loan and lease losses | $226,000 | 5,058 |
| Total noninterest income | $1,669,000 | 2,433 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $577,000 | 2,721 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,092,000 | 2,006 |
| Total noninterest expense | $5,783,000 | 3,186 |
| Salaries and employee benefits | $3,622,000 | 2,737 |
| Premises and equipment expense | $679,000 | 3,585 |
| Additional noninterest expense | $1,482,000 | 3,646 |
| Pre-tax net operating income | $361,000 | 5,244 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $361,000 | 4,872 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $361,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 3,531 |
| Cash dividends | $403,000 | 3,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $361,000 | 5,039 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,239,000 | 4,571 |
| Total interest expense | $1,716,000 | 5,105 |
| Net interest income | $3,523,000 | 4,144 |
| Provision for loan and lease losses | $-64,000 | 8,315 |
| Total noninterest income | $1,453,000 | 2,254 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $403,000 | 2,873 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,050,000 | 1,746 |
| Total noninterest expense | $4,563,000 | 3,013 |
| Salaries and employee benefits | $2,922,000 | 2,600 |
| Premises and equipment expense | $527,000 | 3,517 |
| Additional noninterest expense | $1,114,000 | 3,576 |
| Pre-tax net operating income | $477,000 | 4,997 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $477,000 | 4,524 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $477,000 | 4,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,466 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $477,000 | 4,675 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,613,000 | 4,517 |
| Total interest expense | $1,210,000 | 5,092 |
| Net interest income | $2,403,000 | 4,083 |
| Provision for loan and lease losses | $-104,000 | 8,401 |
| Total noninterest income | $1,258,000 | 1,866 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $266,000 | 2,874 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $992,000 | 1,405 |
| Total noninterest expense | $3,272,000 | 2,819 |
| Salaries and employee benefits | $2,115,000 | 2,432 |
| Premises and equipment expense | $359,000 | 3,495 |
| Additional noninterest expense | $798,000 | 3,369 |
| Pre-tax net operating income | $493,000 | 4,394 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $493,000 | 4,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $493,000 | 4,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,182 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $493,000 | 3,994 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,969,000 | 4,368 |
| Total interest expense | $691,000 | 4,913 |
| Net interest income | $1,278,000 | 3,912 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $981,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $176,000 | 2,306 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $805,000 | 1,000 |
| Total noninterest expense | $1,907,000 | 2,472 |
| Salaries and employee benefits | $1,267,000 | 2,070 |
| Premises and equipment expense | $189,000 | 3,386 |
| Additional noninterest expense | $451,000 | 2,967 |
| Pre-tax net operating income | $342,000 | 3,860 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $342,000 | 3,535 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $342,000 | 3,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $342,000 | 3,432 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,020,000 | 4,032 |
| Total interest expense | $3,378,000 | 4,432 |
| Net interest income | $5,642,000 | 3,668 |
| Provision for loan and lease losses | $539,000 | 2,222 |
| Total noninterest income | $948,000 | 3,643 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $610,000 | 2,639 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $338,000 | 4,031 |
| Total noninterest expense | $6,203,000 | 2,876 |
| Salaries and employee benefits | $3,413,000 | 2,875 |
| Premises and equipment expense | $828,000 | 2,993 |
| Additional noninterest expense | $1,962,000 | 2,707 |
| Pre-tax net operating income | $-152,000 | 7,607 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-152,000 | 7,676 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-152,000 | 7,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 2,111 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-152,000 | 7,658 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,690,000 | 4,080 |
| Total interest expense | $2,535,000 | 4,437 |
| Net interest income | $4,155,000 | 3,730 |
| Provision for loan and lease losses | $446,000 | 1,732 |
| Total noninterest income | $737,000 | 3,579 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $452,000 | 2,650 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $285,000 | 3,829 |
| Total noninterest expense | $4,249,000 | 3,076 |
| Salaries and employee benefits | $2,503,000 | 2,917 |
| Premises and equipment expense | $616,000 | 3,013 |
| Additional noninterest expense | $1,130,000 | 3,346 |
| Pre-tax net operating income | $197,000 | 6,978 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $197,000 | 6,819 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $197,000 | 6,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,388 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $197,000 | 6,804 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,311,000 | 4,200 |
| Total interest expense | $1,650,000 | 4,501 |
| Net interest income | $2,661,000 | 3,852 |
| Provision for loan and lease losses | $127,000 | 2,884 |
| Total noninterest income | $514,000 | 3,501 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $281,000 | 2,791 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $233,000 | 3,493 |
| Total noninterest expense | $2,867,000 | 3,082 |
| Salaries and employee benefits | $1,768,000 | 2,811 |
| Premises and equipment expense | $420,000 | 2,978 |
| Additional noninterest expense | $679,000 | 3,645 |
| Pre-tax net operating income | $181,000 | 6,749 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $181,000 | 6,517 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $181,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,876 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $181,000 | 6,510 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,085,000 | 4,278 |
| Total interest expense | $789,000 | 4,608 |
| Net interest income | $1,296,000 | 3,916 |
| Provision for loan and lease losses | $100,000 | 2,001 |
| Total noninterest income | $238,000 | 3,644 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $138,000 | 2,762 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $100,000 | 3,771 |
| Total noninterest expense | $1,364,000 | 3,220 |
| Salaries and employee benefits | $894,000 | 2,801 |
| Premises and equipment expense | $209,000 | 3,000 |
| Additional noninterest expense | $261,000 | 4,396 |
| Pre-tax net operating income | $70,000 | 7,050 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $70,000 | 6,861 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $70,000 | 6,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,636 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $70,000 | 6,844 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,945,000 | 4,592 |
| Total interest expense | $2,223,000 | 5,128 |
| Net interest income | $4,722,000 | 4,187 |
| Provision for loan and lease losses | $253,000 | 3,076 |
| Total noninterest income | $773,000 | 4,147 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $471,000 | 3,190 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $302,000 | 4,279 |
| Total noninterest expense | $5,163,000 | 3,260 |
| Salaries and employee benefits | $3,010,000 | 3,123 |
| Premises and equipment expense | $714,000 | 3,290 |
| Additional noninterest expense | $1,439,000 | 3,399 |
| Pre-tax net operating income | $79,000 | 7,766 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $79,000 | 7,751 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $79,000 | 7,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,255 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $79,000 | 7,744 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,878,000 | 4,756 |
| Total interest expense | $1,477,000 | 5,381 |
| Net interest income | $3,401,000 | 4,348 |
| Provision for loan and lease losses | $257,000 | 2,412 |
| Total noninterest income | $628,000 | 3,949 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $351,000 | 3,215 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $277,000 | 3,882 |
| Total noninterest expense | $3,821,000 | 3,290 |
| Salaries and employee benefits | $2,224,000 | 3,151 |
| Premises and equipment expense | $521,000 | 3,354 |
| Additional noninterest expense | $1,076,000 | 3,412 |
| Pre-tax net operating income | $-49,000 | 8,174 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-49,000 | 8,194 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-49,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,384 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-49,000 | 8,183 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,061,000 | 4,884 |
| Total interest expense | $911,000 | 5,476 |
| Net interest income | $2,150,000 | 4,505 |
| Provision for loan and lease losses | $105,000 | 3,244 |
| Total noninterest income | $383,000 | 4,152 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $219,000 | 3,345 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $164,000 | 4,129 |
| Total noninterest expense | $2,452,000 | 3,395 |
| Salaries and employee benefits | $1,428,000 | 3,270 |
| Premises and equipment expense | $327,000 | 3,523 |
| Additional noninterest expense | $697,000 | 3,493 |
| Pre-tax net operating income | $-24,000 | 8,238 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-24,000 | 8,247 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-24,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,445 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-24,000 | 8,236 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 4,976 |
| Total interest expense | $413,000 | 5,606 |
| Net interest income | $1,045,000 | 4,587 |
| Provision for loan and lease losses | $-58,000 | 8,633 |
| Total noninterest income | $184,000 | 4,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $86,000 | 3,787 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $98,000 | 3,749 |
| Total noninterest expense | $1,169,000 | 3,547 |
| Salaries and employee benefits | $702,000 | 3,327 |
| Premises and equipment expense | $155,000 | 3,684 |
| Additional noninterest expense | $312,000 | 3,792 |
| Pre-tax net operating income | $118,000 | 6,823 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $118,000 | 6,441 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $118,000 | 6,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,530 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $118,000 | 6,436 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,976,000 | 5,163 |
| Total interest expense | $1,152,000 | 5,932 |
| Net interest income | $3,824,000 | 4,761 |
| Provision for loan and lease losses | $216,000 | 3,461 |
| Total noninterest income | $630,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $330,000 | 3,972 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $300,000 | 4,334 |
| Total noninterest expense | $3,914,000 | 3,923 |
| Salaries and employee benefits | $2,178,000 | 3,874 |
| Premises and equipment expense | $510,000 | 4,117 |
| Additional noninterest expense | $1,226,000 | 3,812 |
| Pre-tax net operating income | $324,000 | 7,309 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $324,000 | 7,077 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $324,000 | 7,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,363 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $324,000 | 7,059 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,614,000 | 5,239 |
| Total interest expense | $778,000 | 6,081 |
| Net interest income | $2,836,000 | 4,802 |
| Provision for loan and lease losses | $137,000 | 3,618 |
| Total noninterest income | $491,000 | 4,600 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $250,000 | 3,959 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $241,000 | 4,195 |
| Total noninterest expense | $2,933,000 | 3,894 |
| Salaries and employee benefits | $1,609,000 | 3,896 |
| Premises and equipment expense | $388,000 | 4,054 |
| Additional noninterest expense | $936,000 | 3,687 |
| Pre-tax net operating income | $257,000 | 7,390 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $257,000 | 7,152 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $257,000 | 7,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 1,778 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $257,000 | 7,114 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 5,242 |
| Total interest expense | $486,000 | 6,107 |
| Net interest income | $1,876,000 | 4,803 |
| Provision for loan and lease losses | $110,000 | 3,223 |
| Total noninterest income | $290,000 | 4,886 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $177,000 | 3,771 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $113,000 | 4,941 |
| Total noninterest expense | $1,978,000 | 3,843 |
| Salaries and employee benefits | $1,083,000 | 3,851 |
| Premises and equipment expense | $272,000 | 3,901 |
| Additional noninterest expense | $623,000 | 3,685 |
| Pre-tax net operating income | $78,000 | 7,975 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $78,000 | 7,901 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $78,000 | 7,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 1,343 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $78,000 | 7,859 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 5,355 |
| Total interest expense | $236,000 | 6,128 |
| Net interest income | $892,000 | 4,993 |
| Provision for loan and lease losses | $17,000 | 4,817 |
| Total noninterest income | $138,000 | 4,920 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $80,000 | 3,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $58,000 | 4,849 |
| Total noninterest expense | $942,000 | 4,023 |
| Salaries and employee benefits | $528,000 | 3,924 |
| Premises and equipment expense | $129,000 | 4,103 |
| Additional noninterest expense | $285,000 | 3,961 |
| Pre-tax net operating income | $71,000 | 7,616 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $71,000 | 7,413 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $71,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $71,000 | 7,377 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,892,000 | 5,631 |
| Total interest expense | $793,000 | 6,289 |
| Net interest income | $3,099,000 | 5,314 |
| Provision for loan and lease losses | $341,000 | 2,672 |
| Total noninterest income | $934,000 | 3,711 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $331,000 | 4,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $603,000 | 2,982 |
| Total noninterest expense | $3,505,000 | 4,175 |
| Salaries and employee benefits | $1,963,000 | 4,058 |
| Premises and equipment expense | $467,000 | 4,297 |
| Additional noninterest expense | $1,075,000 | 4,090 |
| Pre-tax net operating income | $187,000 | 7,823 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $191,000 | 7,692 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $191,000 | 7,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $187,000 | 7,671 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,776,000 | 5,796 |
| Total interest expense | $586,000 | 6,311 |
| Net interest income | $2,190,000 | 5,491 |
| Provision for loan and lease losses | $118,000 | 4,014 |
| Total noninterest income | $603,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $232,000 | 4,273 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $371,000 | 3,329 |
| Total noninterest expense | $2,478,000 | 4,320 |
| Salaries and employee benefits | $1,405,000 | 4,161 |
| Premises and equipment expense | $346,000 | 4,317 |
| Additional noninterest expense | $727,000 | 4,394 |
| Pre-tax net operating income | $197,000 | 7,712 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $201,000 | 7,475 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $201,000 | 7,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $197,000 | 7,438 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 5,866 |
| Total interest expense | $397,000 | 6,308 |
| Net interest income | $1,415,000 | 5,591 |
| Provision for loan and lease losses | $61,000 | 4,254 |
| Total noninterest income | $465,000 | 3,737 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $144,000 | 4,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $321,000 | 2,883 |
| Total noninterest expense | $1,622,000 | 4,412 |
| Salaries and employee benefits | $933,000 | 4,195 |
| Premises and equipment expense | $240,000 | 4,198 |
| Additional noninterest expense | $449,000 | 4,688 |
| Pre-tax net operating income | $197,000 | 7,210 |
| Securities gains (losses) | $-1,000 | 8,365 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $196,000 | 6,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $196,000 | 6,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $197,000 | 6,848 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 6,011 |
| Total interest expense | $197,000 | 6,391 |
| Net interest income | $676,000 | 5,747 |
| Provision for loan and lease losses | $32,000 | 4,015 |
| Total noninterest income | $214,000 | 3,898 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $57,000 | 4,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $157,000 | 2,862 |
| Total noninterest expense | $789,000 | 4,520 |
| Salaries and employee benefits | $459,000 | 4,289 |
| Premises and equipment expense | $118,000 | 4,296 |
| Additional noninterest expense | $212,000 | 4,869 |
| Pre-tax net operating income | $69,000 | 7,617 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $68,000 | 7,440 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $68,000 | 7,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $69,000 | 7,349 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 6,763 |
| Total interest expense | $575,000 | 7,476 |
| Net interest income | $2,205,000 | 6,309 |
| Provision for loan and lease losses | $213,000 | 3,911 |
| Total noninterest income | $182,000 | 7,503 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $113,000 | 6,360 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $69,000 | 7,124 |
| Total noninterest expense | $2,704,000 | 4,939 |
| Salaries and employee benefits | $1,462,000 | 4,925 |
| Premises and equipment expense | $366,000 | 5,030 |
| Additional noninterest expense | $876,000 | 4,727 |
| Pre-tax net operating income | $-530,000 | 8,833 |
| Securities gains (losses) | $45,000 | 2,612 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-485,000 | 8,898 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-485,000 | 8,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,943 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-530,000 | 8,855 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,775,000 | 7,263 |
| Total interest expense | $406,000 | 7,746 |
| Net interest income | $1,369,000 | 6,902 |
| Provision for loan and lease losses | $144,000 | 3,991 |
| Total noninterest income | $107,000 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $76,000 | 6,587 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 7,823 |
| Total noninterest expense | $1,973,000 | 5,030 |
| Salaries and employee benefits | $1,057,000 | 5,057 |
| Premises and equipment expense | $268,000 | 5,096 |
| Additional noninterest expense | $648,000 | 4,742 |
| Pre-tax net operating income | $-641,000 | 9,007 |
| Securities gains (losses) | $45,000 | 2,401 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-596,000 | 9,055 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-596,000 | 9,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-641,000 | 9,017 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,101,000 | 7,490 |
| Total interest expense | $271,000 | 7,852 |
| Net interest income | $830,000 | 7,177 |
| Provision for loan and lease losses | $86,000 | 4,207 |
| Total noninterest income | $58,000 | 8,186 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $41,000 | 6,904 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $1,260,000 | 5,174 |
| Salaries and employee benefits | $682,000 | 5,180 |
| Premises and equipment expense | $168,000 | 5,277 |
| Additional noninterest expense | $410,000 | 4,914 |
| Pre-tax net operating income | $-458,000 | 9,053 |
| Securities gains (losses) | $45,000 | 2,091 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-413,000 | 9,098 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-413,000 | 9,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-458,000 | 9,062 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $518,000 | 7,649 |
| Total interest expense | $135,000 | 7,954 |
| Net interest income | $383,000 | 7,391 |
| Provision for loan and lease losses | $63,000 | 3,194 |
| Total noninterest income | $24,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $569,000 | 5,525 |
| Salaries and employee benefits | $297,000 | 5,656 |
| Premises and equipment expense | $75,000 | 5,636 |
| Additional noninterest expense | $197,000 | 5,007 |
| Pre-tax net operating income | $-225,000 | 9,107 |
| Securities gains (losses) | $40,000 | 1,513 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-185,000 | 9,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-185,000 | 9,122 |
| 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 | $-225,000 | 9,095 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 8,733 |
| Total interest expense | $442,000 | 8,536 |
| Net interest income | $694,000 | 8,749 |
| Provision for loan and lease losses | $220,000 | 4,159 |
| Total noninterest income | $75,000 | 8,691 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $44,000 | 7,615 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $1,865,000 | 6,120 |
| Salaries and employee benefits | $914,000 | 6,464 |
| Premises and equipment expense | $184,000 | 6,986 |
| Additional noninterest expense | $767,000 | 5,082 |
| Pre-tax net operating income | $-1,316,000 | 9,182 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,316,000 | 9,228 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,316,000 | 9,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,316,000 | 9,197 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $70,000 | 9,582 |
| Total interest expense | $53,000 | 9,497 |
| Net interest income | $17,000 | 9,597 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $1,000 | 9,549 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,000 | 8,372 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $414,000 | 9,339 |
| Salaries and employee benefits | $201,000 | 9,402 |
| Premises and equipment expense | $27,000 | 9,430 |
| Additional noninterest expense | $186,000 | 8,774 |
| Pre-tax net operating income | $-408,000 | 9,114 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-408,000 | 9,185 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-408,000 | 9,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 73 |
| Net operating income | $-408,000 | 9,144 |
* 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.