Home > The Connecticut Bank and Trust Company > Income and Expense
The Connecticut Bank and Trust Company, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 2,200 |
| Total interest expense | $685,000 | 1,787 |
| Net interest income | $2,380,000 | 2,302 |
| Provision for loan and lease losses | $1,340,000 | 493 |
| Total noninterest income | $227,000 | 3,405 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $73,000 | 3,561 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $154,000 | 3,034 |
| Total noninterest expense | $2,706,000 | 1,785 |
| Salaries and employee benefits | $1,313,000 | 1,919 |
| Premises and equipment expense | $386,000 | 1,545 |
| Additional noninterest expense | $1,007,000 | 1,640 |
| Pre-tax net operating income | $-1,439,000 | 7,199 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,439,000 | 7,211 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,439,000 | 7,211 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,439,000 | 7,211 |
| Net charge-offs | $1,717,000 | 445 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 368 |
| Net operating income | $-1,439,000 | 7,203 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,833,000 | 2,176 |
| Total interest expense | $2,918,000 | 2,013 |
| Net interest income | $9,915,000 | 2,198 |
| Provision for loan and lease losses | $2,980,000 | 1,202 |
| Total noninterest income | $911,000 | 3,277 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $284,000 | 3,702 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $627,000 | 2,792 |
| Total noninterest expense | $10,456,000 | 1,842 |
| Salaries and employee benefits | $4,841,000 | 1,997 |
| Premises and equipment expense | $1,803,000 | 1,386 |
| Additional noninterest expense | $3,812,000 | 1,775 |
| Pre-tax net operating income | $-2,610,000 | 6,876 |
| Securities gains (losses) | $448,000 | 862 |
| Applicable income taxes | $-700,000 | 7,118 |
| Income before extraordinary items | $-1,462,000 | 6,751 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,462,000 | 6,751 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,462,000 | 6,751 |
| Net charge-offs | $2,114,000 | 1,500 |
| Cash dividends | $272,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 676 |
| Net operating income | $-1,766,640 | 6,773 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,669,000 | 2,194 |
| Total interest expense | $2,193,000 | 2,077 |
| Net interest income | $7,476,000 | 2,205 |
| Provision for loan and lease losses | $2,821,000 | 978 |
| Total noninterest income | $677,000 | 3,307 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $207,000 | 3,781 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $470,000 | 2,790 |
| Total noninterest expense | $7,552,000 | 1,903 |
| Salaries and employee benefits | $3,586,000 | 2,009 |
| Premises and equipment expense | $1,330,000 | 1,425 |
| Additional noninterest expense | $2,636,000 | 1,920 |
| Pre-tax net operating income | $-2,220,000 | 7,026 |
| Securities gains (losses) | $448,000 | 705 |
| Applicable income taxes | $-700,000 | 7,258 |
| Income before extraordinary items | $-1,072,000 | 6,880 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,072,000 | 6,882 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,072,000 | 6,881 |
| Net charge-offs | $944,000 | 1,956 |
| Cash dividends | $204,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 629 |
| Net operating income | $-1,358,720 | 6,920 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,432,000 | 2,218 |
| Total interest expense | $1,461,000 | 2,148 |
| Net interest income | $4,971,000 | 2,208 |
| Provision for loan and lease losses | $264,000 | 3,181 |
| Total noninterest income | $435,000 | 3,391 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $130,000 | 3,877 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $305,000 | 2,856 |
| Total noninterest expense | $5,058,000 | 1,908 |
| Salaries and employee benefits | $2,421,000 | 2,016 |
| Premises and equipment expense | $882,000 | 1,433 |
| Additional noninterest expense | $1,755,000 | 1,944 |
| Pre-tax net operating income | $84,000 | 5,769 |
| Securities gains (losses) | $138,000 | 919 |
| Applicable income taxes | $-700,000 | 7,384 |
| Income before extraordinary items | $922,000 | 2,424 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $922,000 | 2,424 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $922,000 | 2,424 |
| Net charge-offs | $241,000 | 2,921 |
| Cash dividends | $136,000 | 2,595 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 554 |
| Net operating income | $784,000 | 2,623 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,228,000 | 2,217 |
| Total interest expense | $734,000 | 2,216 |
| Net interest income | $2,494,000 | 2,192 |
| Provision for loan and lease losses | $154,000 | 2,725 |
| Total noninterest income | $208,000 | 3,502 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $64,000 | 3,860 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $144,000 | 2,972 |
| Total noninterest expense | $2,527,000 | 1,921 |
| Salaries and employee benefits | $1,229,000 | 1,994 |
| Premises and equipment expense | $442,000 | 1,454 |
| Additional noninterest expense | $856,000 | 1,977 |
| Pre-tax net operating income | $21,000 | 6,090 |
| Securities gains (losses) | $85,000 | 587 |
| Applicable income taxes | $-700,000 | 7,496 |
| Income before extraordinary items | $806,000 | 1,476 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $806,000 | 1,476 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $806,000 | 1,476 |
| Net charge-offs | $152,000 | 2,347 |
| Cash dividends | $68,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 508 |
| Net operating income | $721,000 | 1,586 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,358,000 | 2,256 |
| Total interest expense | $3,357,000 | 2,351 |
| Net interest income | $10,001,000 | 2,192 |
| Provision for loan and lease losses | $1,031,000 | 2,998 |
| Total noninterest income | $690,000 | 3,967 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $186,000 | 4,548 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $504,000 | 3,179 |
| Total noninterest expense | $9,160,000 | 2,112 |
| Salaries and employee benefits | $4,562,000 | 2,126 |
| Premises and equipment expense | $1,751,000 | 1,464 |
| Additional noninterest expense | $2,847,000 | 2,380 |
| Pre-tax net operating income | $500,000 | 4,381 |
| Securities gains (losses) | $60,000 | 2,537 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $560,000 | 4,155 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $560,000 | 4,156 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $560,000 | 4,157 |
| Net charge-offs | $352,000 | 4,100 |
| Cash dividends | $273,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $145,000 | 701 |
| Net operating income | $500,000 | 4,185 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,067,000 | 2,300 |
| Total interest expense | $2,547,000 | 2,423 |
| Net interest income | $7,520,000 | 2,213 |
| Provision for loan and lease losses | $896,000 | 2,690 |
| Total noninterest income | $484,000 | 4,136 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $131,000 | 4,730 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $353,000 | 3,291 |
| Total noninterest expense | $6,796,000 | 2,129 |
| Salaries and employee benefits | $3,394,000 | 2,132 |
| Premises and equipment expense | $1,299,000 | 1,492 |
| Additional noninterest expense | $2,103,000 | 2,379 |
| Pre-tax net operating income | $312,000 | 4,812 |
| Securities gains (losses) | $60,000 | 2,306 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $372,000 | 4,575 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $372,000 | 4,579 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $372,000 | 4,578 |
| Net charge-offs | $351,000 | 3,521 |
| Cash dividends | $204,000 | 2,685 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 623 |
| Net operating income | $312,000 | 4,620 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,648,000 | 2,350 |
| Total interest expense | $1,711,000 | 2,499 |
| Net interest income | $4,937,000 | 2,252 |
| Provision for loan and lease losses | $309,000 | 3,551 |
| Total noninterest income | $298,000 | 4,276 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $77,000 | 4,938 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $221,000 | 3,339 |
| Total noninterest expense | $4,479,000 | 2,162 |
| Salaries and employee benefits | $2,263,000 | 2,150 |
| Premises and equipment expense | $856,000 | 1,535 |
| Additional noninterest expense | $1,360,000 | 2,440 |
| Pre-tax net operating income | $447,000 | 3,813 |
| Securities gains (losses) | $60,000 | 1,775 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $507,000 | 3,385 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $507,000 | 3,382 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $507,000 | 3,384 |
| Net charge-offs | $85,000 | 4,412 |
| Cash dividends | $136,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 526 |
| Net operating income | $447,000 | 3,485 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 2,387 |
| Total interest expense | $860,000 | 2,597 |
| Net interest income | $2,475,000 | 2,272 |
| Provision for loan and lease losses | $155,000 | 3,289 |
| Total noninterest income | $149,000 | 4,298 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $37,000 | 5,011 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $112,000 | 3,298 |
| Total noninterest expense | $2,223,000 | 2,201 |
| Salaries and employee benefits | $1,171,000 | 2,111 |
| Premises and equipment expense | $427,000 | 1,580 |
| Additional noninterest expense | $625,000 | 2,611 |
| Pre-tax net operating income | $246,000 | 3,706 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $246,000 | 3,527 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $246,000 | 3,524 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $246,000 | 3,526 |
| Net charge-offs | $48,000 | 3,740 |
| Cash dividends | $68,000 | 2,138 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 442 |
| Net operating income | $246,000 | 3,397 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,628,000 | 2,610 |
| Total interest expense | $3,990,000 | 2,745 |
| Net interest income | $8,638,000 | 2,511 |
| Provision for loan and lease losses | $677,000 | 4,088 |
| Total noninterest income | $565,000 | 4,492 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $159,000 | 5,057 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $406,000 | 3,524 |
| Total noninterest expense | $8,366,000 | 2,370 |
| Salaries and employee benefits | $4,268,000 | 2,303 |
| Premises and equipment expense | $1,743,000 | 1,544 |
| Additional noninterest expense | $2,355,000 | 2,889 |
| Pre-tax net operating income | $160,000 | 4,916 |
| Securities gains (losses) | $197,000 | 1,565 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $357,000 | 4,293 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $357,000 | 4,295 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $357,000 | 4,294 |
| Net charge-offs | $656,000 | 3,439 |
| Cash dividends | $68,000 | 4,329 |
| Sale, conversion, retirement of capital stock, net | $190,000 | 723 |
| Net operating income | $160,000 | 4,882 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,387,000 | 2,677 |
| Total interest expense | $3,095,000 | 2,783 |
| Net interest income | $6,292,000 | 2,609 |
| Provision for loan and lease losses | $420,000 | 4,104 |
| Total noninterest income | $417,000 | 4,578 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $121,000 | 5,060 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $296,000 | 3,642 |
| Total noninterest expense | $6,220,000 | 2,374 |
| Salaries and employee benefits | $3,172,000 | 2,343 |
| Premises and equipment expense | $1,314,000 | 1,560 |
| Additional noninterest expense | $1,734,000 | 2,909 |
| Pre-tax net operating income | $69,000 | 5,413 |
| Securities gains (losses) | $56,000 | 2,228 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $125,000 | 5,203 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $125,000 | 5,201 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $125,000 | 5,201 |
| Net charge-offs | $128,000 | 4,817 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $151,000 | 646 |
| Net operating income | $69,000 | 5,421 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,173,000 | 2,746 |
| Total interest expense | $2,190,000 | 2,750 |
| Net interest income | $3,983,000 | 2,730 |
| Provision for loan and lease losses | $266,000 | 3,922 |
| Total noninterest income | $264,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $77,000 | 5,132 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $187,000 | 3,748 |
| Total noninterest expense | $4,116,000 | 2,427 |
| Salaries and employee benefits | $2,083,000 | 2,424 |
| Premises and equipment expense | $882,000 | 1,578 |
| Additional noninterest expense | $1,151,000 | 2,932 |
| Pre-tax net operating income | $-135,000 | 6,161 |
| Securities gains (losses) | $56,000 | 1,844 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-79,000 | 6,146 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-79,000 | 6,145 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-79,000 | 6,145 |
| Net charge-offs | $29,000 | 5,364 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 596 |
| Net operating income | $-135,000 | 6,228 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,066,000 | 2,800 |
| Total interest expense | $1,132,000 | 2,771 |
| Net interest income | $1,934,000 | 2,791 |
| Provision for loan and lease losses | $87,000 | 4,142 |
| Total noninterest income | $125,000 | 4,796 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $36,000 | 5,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $89,000 | 3,833 |
| Total noninterest expense | $1,984,000 | 2,442 |
| Salaries and employee benefits | $1,024,000 | 2,499 |
| Premises and equipment expense | $452,000 | 1,572 |
| Additional noninterest expense | $508,000 | 2,968 |
| Pre-tax net operating income | $-12,000 | 6,312 |
| Securities gains (losses) | $39,000 | 1,402 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $27,000 | 6,048 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $27,000 | 6,050 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $27,000 | 6,050 |
| Net charge-offs | $29,000 | 4,044 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 493 |
| Net operating income | $-12,000 | 6,331 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,038,000 | 3,033 |
| Total interest expense | $5,366,000 | 2,789 |
| Net interest income | $6,672,000 | 3,190 |
| Provision for loan and lease losses | $1,662,000 | 2,024 |
| Total noninterest income | $515,000 | 4,775 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $110,000 | 5,764 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $405,000 | 3,561 |
| Total noninterest expense | $8,082,000 | 2,357 |
| Salaries and employee benefits | $4,301,000 | 2,350 |
| Premises and equipment expense | $1,719,000 | 1,612 |
| Additional noninterest expense | $2,062,000 | 2,795 |
| Pre-tax net operating income | $-2,557,000 | 7,501 |
| Securities gains (losses) | $81,000 | 1,287 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,476,000 | 7,507 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,476,000 | 7,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $674,000 | 2,412 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $5,257,000 | 223 |
| Net operating income | $-2,557,000 | 7,601 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,952,000 | 3,122 |
| Total interest expense | $4,063,000 | 2,868 |
| Net interest income | $4,889,000 | 3,280 |
| Provision for loan and lease losses | $1,537,000 | 1,401 |
| Total noninterest income | $385,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $79,000 | 5,863 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $306,000 | 3,657 |
| Total noninterest expense | $5,980,000 | 2,379 |
| Salaries and employee benefits | $3,244,000 | 2,362 |
| Premises and equipment expense | $1,333,000 | 1,574 |
| Additional noninterest expense | $1,403,000 | 2,951 |
| Pre-tax net operating income | $-2,243,000 | 7,912 |
| Securities gains (losses) | $65,000 | 1,251 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-2,178,000 | 7,893 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,178,000 | 7,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,666 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $167,000 | 629 |
| Net operating income | $-2,243,000 | 7,982 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,899,000 | 3,197 |
| Total interest expense | $2,743,000 | 2,935 |
| Net interest income | $3,156,000 | 3,357 |
| Provision for loan and lease losses | $221,000 | 2,995 |
| Total noninterest income | $239,000 | 5,083 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $46,000 | 6,062 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $193,000 | 3,845 |
| Total noninterest expense | $3,930,000 | 2,407 |
| Salaries and employee benefits | $2,142,000 | 2,410 |
| Premises and equipment expense | $866,000 | 1,608 |
| Additional noninterest expense | $922,000 | 2,946 |
| Pre-tax net operating income | $-756,000 | 7,768 |
| Securities gains (losses) | $65,000 | 1,253 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-691,000 | 7,827 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-691,000 | 7,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,518 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 556 |
| Net operating income | $-756,000 | 7,847 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,932,000 | 3,291 |
| Total interest expense | $1,434,000 | 3,006 |
| Net interest income | $1,498,000 | 3,486 |
| Provision for loan and lease losses | $137,000 | 2,296 |
| Total noninterest income | $114,000 | 5,182 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $98,000 | 3,804 |
| Total noninterest expense | $1,936,000 | 2,441 |
| Salaries and employee benefits | $1,058,000 | 2,459 |
| Premises and equipment expense | $434,000 | 1,611 |
| Additional noninterest expense | $444,000 | 3,011 |
| Pre-tax net operating income | $-461,000 | 8,058 |
| Securities gains (losses) | $65,000 | 939 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-396,000 | 8,076 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-396,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 464 |
| Net operating income | $-461,000 | 8,110 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,823,000 | 3,572 |
| Total interest expense | $5,283,000 | 3,327 |
| Net interest income | $5,540,000 | 3,719 |
| Provision for loan and lease losses | $308,000 | 3,141 |
| Total noninterest income | $436,000 | 5,315 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $56,000 | 6,653 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $380,000 | 3,832 |
| Total noninterest expense | $7,775,000 | 2,347 |
| Salaries and employee benefits | $4,342,000 | 2,321 |
| Premises and equipment expense | $1,493,000 | 1,756 |
| Additional noninterest expense | $1,940,000 | 2,729 |
| Pre-tax net operating income | $-2,107,000 | 8,286 |
| Securities gains (losses) | $-41,000 | 7,967 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-2,148,000 | 8,331 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,148,000 | 8,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 669 |
| Net operating income | $-2,107,000 | 8,317 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,868,000 | 3,659 |
| Total interest expense | $3,853,000 | 3,399 |
| Net interest income | $4,015,000 | 3,816 |
| Provision for loan and lease losses | $238,000 | 2,699 |
| Total noninterest income | $316,000 | 5,431 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $39,000 | 6,750 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $277,000 | 3,900 |
| Total noninterest expense | $5,811,000 | 2,337 |
| Salaries and employee benefits | $3,276,000 | 2,295 |
| Premises and equipment expense | $1,067,000 | 1,829 |
| Additional noninterest expense | $1,468,000 | 2,667 |
| Pre-tax net operating income | $-1,718,000 | 8,415 |
| Securities gains (losses) | $-42,000 | 8,135 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,760,000 | 8,447 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,760,000 | 8,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $209,000 | 581 |
| Net operating income | $-1,718,000 | 8,432 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,969,000 | 3,803 |
| Total interest expense | $2,432,000 | 3,535 |
| Net interest income | $2,537,000 | 3,985 |
| Provision for loan and lease losses | $127,000 | 2,884 |
| Total noninterest income | $207,000 | 5,501 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $26,000 | 6,785 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $181,000 | 3,978 |
| Total noninterest expense | $3,805,000 | 2,400 |
| Salaries and employee benefits | $2,172,000 | 2,345 |
| Premises and equipment expense | $681,000 | 1,921 |
| Additional noninterest expense | $952,000 | 2,742 |
| Pre-tax net operating income | $-1,188,000 | 8,489 |
| Securities gains (losses) | $-42,000 | 8,275 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-1,230,000 | 8,517 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,230,000 | 8,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $139,000 | 529 |
| Net operating income | $-1,188,000 | 8,502 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,308,000 | 4,002 |
| Total interest expense | $1,095,000 | 3,775 |
| Net interest income | $1,213,000 | 4,122 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $94,000 | 5,668 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $82,000 | 4,163 |
| Total noninterest expense | $1,842,000 | 2,484 |
| Salaries and employee benefits | $1,060,000 | 2,426 |
| Premises and equipment expense | $336,000 | 1,943 |
| Additional noninterest expense | $446,000 | 2,882 |
| Pre-tax net operating income | $-595,000 | 8,534 |
| Securities gains (losses) | $-43,000 | 8,479 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-638,000 | 8,562 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-638,000 | 8,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 433 |
| Net operating income | $-595,000 | 8,540 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,150,000 | 4,507 |
| Total interest expense | $3,053,000 | 4,275 |
| Net interest income | $4,097,000 | 4,600 |
| Provision for loan and lease losses | $516,000 | 1,852 |
| Total noninterest income | $193,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $32,000 | 7,140 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $161,000 | 5,493 |
| Total noninterest expense | $6,995,000 | 2,518 |
| Salaries and employee benefits | $3,890,000 | 2,504 |
| Premises and equipment expense | $1,202,000 | 2,074 |
| Additional noninterest expense | $1,903,000 | 2,687 |
| Pre-tax net operating income | $-3,221,000 | 8,640 |
| Securities gains (losses) | $-17,000 | 7,486 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-3,238,000 | 8,647 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-3,238,000 | 8,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,661 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $238,000 | 727 |
| Net operating income | $-3,221,000 | 8,638 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,985,000 | 4,701 |
| Total interest expense | $2,046,000 | 4,484 |
| Net interest income | $2,939,000 | 4,754 |
| Provision for loan and lease losses | $410,000 | 1,662 |
| Total noninterest income | $76,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $21,000 | 7,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,804 |
| Total noninterest expense | $5,233,000 | 2,510 |
| Salaries and employee benefits | $2,846,000 | 2,561 |
| Premises and equipment expense | $876,000 | 2,135 |
| Additional noninterest expense | $1,511,000 | 2,545 |
| Pre-tax net operating income | $-2,628,000 | 8,716 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-2,628,000 | 8,720 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-2,628,000 | 8,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $161,000 | 633 |
| Net operating income | $-2,628,000 | 8,710 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,078,000 | 4,867 |
| Total interest expense | $1,175,000 | 4,784 |
| Net interest income | $1,903,000 | 4,863 |
| Provision for loan and lease losses | $260,000 | 1,707 |
| Total noninterest income | $43,000 | 7,998 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $13,000 | 7,334 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,109 |
| Total noninterest expense | $3,470,000 | 2,545 |
| Salaries and employee benefits | $1,834,000 | 2,634 |
| Premises and equipment expense | $563,000 | 2,211 |
| Additional noninterest expense | $1,073,000 | 2,406 |
| Pre-tax net operating income | $-1,784,000 | 8,751 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-1,784,000 | 8,753 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,784,000 | 8,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 521 |
| Net operating income | $-1,784,000 | 8,742 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 5,018 |
| Total interest expense | $503,000 | 5,102 |
| Net interest income | $938,000 | 4,897 |
| Provision for loan and lease losses | $82,000 | 2,309 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $1,751,000 | 2,531 |
| Salaries and employee benefits | $906,000 | 2,665 |
| Premises and equipment expense | $276,000 | 2,265 |
| Additional noninterest expense | $569,000 | 2,261 |
| Pre-tax net operating income | $-877,000 | 8,749 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-877,000 | 8,756 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-877,000 | 8,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 383 |
| Net operating income | $-877,000 | 8,746 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 5,777 |
| Total interest expense | $1,587,000 | 5,091 |
| Net interest income | $2,480,000 | 6,065 |
| Provision for loan and lease losses | $637,000 | 1,557 |
| Total noninterest income | $82,000 | 8,124 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $21,000 | 7,456 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $61,000 | 7,146 |
| Total noninterest expense | $5,445,000 | 3,009 |
| Salaries and employee benefits | $2,782,000 | 3,173 |
| Premises and equipment expense | $899,000 | 2,601 |
| Additional noninterest expense | $1,764,000 | 2,805 |
| Pre-tax net operating income | $-3,520,000 | 8,806 |
| Securities gains (losses) | $-48,000 | 8,164 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-3,568,000 | 8,812 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-3,568,000 | 8,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $14,827,000 | 119 |
| Net operating income | $-3,520,000 | 8,798 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,822,000 | 5,972 |
| Total interest expense | $1,179,000 | 4,980 |
| Net interest income | $1,643,000 | 6,423 |
| Provision for loan and lease losses | $478,000 | 1,459 |
| Total noninterest income | $47,000 | 8,366 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $16,000 | 7,508 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,617 |
| Total noninterest expense | $4,110,000 | 2,944 |
| Salaries and employee benefits | $1,989,000 | 3,289 |
| Premises and equipment expense | $648,000 | 2,678 |
| Additional noninterest expense | $1,473,000 | 2,497 |
| Pre-tax net operating income | $-2,898,000 | 8,833 |
| Securities gains (losses) | $-48,000 | 8,466 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-2,946,000 | 8,839 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-2,946,000 | 8,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $14,742,000 | 85 |
| Net operating income | $-2,898,000 | 8,824 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,730,000 | 6,156 |
| Total interest expense | $712,000 | 5,096 |
| Net interest income | $1,018,000 | 6,621 |
| Provision for loan and lease losses | $267,000 | 1,692 |
| Total noninterest income | $30,000 | 8,392 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $10,000 | 7,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $20,000 | 7,651 |
| Total noninterest expense | $2,863,000 | 2,824 |
| Salaries and employee benefits | $1,295,000 | 3,343 |
| Premises and equipment expense | $410,000 | 2,780 |
| Additional noninterest expense | $1,158,000 | 2,121 |
| Pre-tax net operating income | $-2,082,000 | 8,840 |
| Securities gains (losses) | $-3,000 | 7,812 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-2,085,000 | 8,848 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-2,085,000 | 8,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 469 |
| Net operating income | $-2,082,000 | 8,834 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $803,000 | 6,370 |
| Total interest expense | $334,000 | 5,183 |
| Net interest income | $469,000 | 6,872 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $11,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $5,000 | 7,590 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $1,324,000 | 3,045 |
| Salaries and employee benefits | $638,000 | 3,385 |
| Premises and equipment expense | $194,000 | 2,954 |
| Additional noninterest expense | $492,000 | 2,473 |
| Pre-tax net operating income | $-964,000 | 8,898 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-964,000 | 8,903 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-964,000 | 8,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 357 |
| Net operating income | $-964,000 | 8,891 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,047,000 | 8,358 |
| Total interest expense | $392,000 | 7,723 |
| Net interest income | $655,000 | 8,489 |
| Provision for loan and lease losses | $239,000 | 3,393 |
| Total noninterest income | $27,000 | 8,742 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $12,000 | 7,754 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,368 |
| Total noninterest expense | $3,877,000 | 3,864 |
| Salaries and employee benefits | $1,637,000 | 4,656 |
| Premises and equipment expense | $622,000 | 3,429 |
| Additional noninterest expense | $1,618,000 | 2,947 |
| Pre-tax net operating income | $-3,434,000 | 8,935 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-3,436,000 | 8,951 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,436,000 | 8,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $17,759,000 | 40 |
| Net operating income | $-3,434,000 | 8,939 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $444,000 | 8,763 |
| Total interest expense | $70,000 | 8,809 |
| Net interest income | $374,000 | 8,701 |
| Provision for loan and lease losses | $107,000 | 4,172 |
| Total noninterest income | $7,000 | 8,907 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,000 | 7,885 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,732 |
| Total noninterest expense | $2,719,000 | 4,026 |
| Salaries and employee benefits | $1,113,000 | 4,938 |
| Premises and equipment expense | $393,000 | 3,928 |
| Additional noninterest expense | $1,213,000 | 2,904 |
| Pre-tax net operating income | $-2,445,000 | 8,986 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-2,447,000 | 8,992 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-2,447,000 | 8,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $17,680,000 | 33 |
| Net operating income | $-2,445,000 | 8,984 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $147,000 | 8,976 |
| Total interest expense | $12,000 | 8,991 |
| Net interest income | $135,000 | 8,944 |
| Provision for loan and lease losses | $58,000 | 4,543 |
| Total noninterest income | $4,000 | 8,974 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,000 | 7,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $2,444,000 | 3,171 |
| Salaries and employee benefits | $550,000 | 5,965 |
| Premises and equipment expense | $171,000 | 5,293 |
| Additional noninterest expense | $1,723,000 | 1,404 |
| Pre-tax net operating income | $-2,363,000 | 9,049 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-2,365,000 | 9,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,365,000 | 9,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $18,392,000 | 20 |
| Net operating income | $-2,363,000 | 9,043 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $11,000 | 9,095 |
| Total interest expense | $0 | 9,093 |
| Net interest income | $11,000 | 9,086 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $0 | 9,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $1,487,000 | 2,645 |
| Salaries and employee benefits | $54,000 | 8,917 |
| Premises and equipment expense | $3,000 | 9,031 |
| Additional noninterest expense | $1,430,000 | 865 |
| Pre-tax net operating income | $-1,476,000 | 9,097 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-1,476,000 | 9,102 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,476,000 | 9,102 |
| 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 | $18,393,000 | 13 |
| Net operating income | $-1,476,000 | 9,089 |
* 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.