Home > The Gordon Bank > Income and Expense

The Gordon Bank, Income and Expense

2010-09-30 (YTD Data)		Rank
Total interest income	$686,000	7,500
Total interest expense	$222,000	7,200
Net interest income	$464,000	7,553
Provision for loan and lease losses	$534,000	3,440
Total noninterest income	$-491,000	7,642
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$226,000	3,699
Trading account gains and fees	$0	165
Additional Noninterest Income	$-717,000	7,623
Total noninterest expense	$1,097,000	6,618
Salaries and employee benefits	$450,000	6,973
Premises and equipment expense	$156,000	6,212
Additional noninterest expense	$491,000	6,082
Pre-tax net operating income	$-1,658,000	6,995
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$-1,658,000	7,078
Extraordinary gains, net	$0	23
Net income	$-1,658,000	7,076
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,658,000	7,078
Net charge-offs	$783,000	2,492
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-1,658,000	7,048
2010-06-30 (YTD Data)		Rank
Total interest income	$487,000	7,543
Total interest expense	$156,000	7,236
Net interest income	$331,000	7,582
Provision for loan and lease losses	$344,000	3,421
Total noninterest income	$-593,000	7,756
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$148,000	3,717
Trading account gains and fees	$0	152
Additional Noninterest Income	$-741,000	7,742
Total noninterest expense	$692,000	6,757
Salaries and employee benefits	$286,000	7,108
Premises and equipment expense	$102,000	6,274
Additional noninterest expense	$304,000	6,257
Pre-tax net operating income	$-1,298,000	7,116
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-1,298,000	7,185
Extraordinary gains, net	$0	19
Net income	$-1,298,000	7,184
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,298,000	7,185
Net charge-offs	$510,000	2,421
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,298,000	7,172
2010-03-31 (YTD Data)		Rank
Total interest income	$256,000	7,619
Total interest expense	$81,000	7,320
Net interest income	$175,000	7,648
Provision for loan and lease losses	$0	6,552
Total noninterest income	$99,000	5,072
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$72,000	3,776
Trading account gains and fees	$0	175
Additional Noninterest Income	$27,000	5,578
Total noninterest expense	$312,000	7,016
Salaries and employee benefits	$145,000	7,173
Premises and equipment expense	$53,000	6,291
Additional noninterest expense	$114,000	6,812
Pre-tax net operating income	$-38,000	6,450
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-38,000	6,562
Extraordinary gains, net	$0	16
Net income	$-38,000	6,564
Minority interest net income	$0	91
Net income of bank and minority interests.	$-38,000	6,563
Net charge-offs	$5,000	5,141
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-38,000	6,489
2009-12-31 (YTD Data)		Rank
Total interest income	$1,046,000	7,690
Total interest expense	$475,000	7,187
Net interest income	$571,000	7,789
Provision for loan and lease losses	$336,000	5,118
Total noninterest income	$-42,000	7,748
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$301,000	3,870
Trading account gains and fees	$0	211
Additional Noninterest Income	$-343,000	7,751
Total noninterest expense	$1,683,000	6,565
Salaries and employee benefits	$620,000	7,164
Premises and equipment expense	$213,000	6,379
Additional noninterest expense	$850,000	5,668
Pre-tax net operating income	$-1,490,000	6,436
Securities gains (losses)	$96,000	2,179
Applicable income taxes	$-203,000	6,764
Income before extraordinary items	$-1,191,000	6,440
Extraordinary gains, net	$0	34
Net income	$-1,191,000	6,441
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,191,000	6,441
Net charge-offs	$1,318,000	2,527
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-1,272,600	6,485
2009-09-30 (YTD Data)		Rank
Total interest income	$842,000	7,722
Total interest expense	$386,000	7,216
Net interest income	$456,000	7,846
Provision for loan and lease losses	$0	7,284
Total noninterest income	$276,000	5,348
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$221,000	3,924
Trading account gains and fees	$0	212
Additional Noninterest Income	$55,000	6,129
Total noninterest expense	$1,269,000	6,596
Salaries and employee benefits	$483,000	7,138
Premises and equipment expense	$161,000	6,414
Additional noninterest expense	$625,000	5,714
Pre-tax net operating income	$-537,000	6,360
Securities gains (losses)	$96,000	1,870
Applicable income taxes	$0	4,592
Income before extraordinary items	$-441,000	6,373
Extraordinary gains, net	$0	27
Net income	$-441,000	6,374
Minority interest net income	$0	118
Net income of bank and minority interests.	$-441,000	6,373
Net charge-offs	$570,000	2,868
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-537,000	6,451
2009-06-30 (YTD Data)		Rank
Total interest income	$529,000	7,847
Total interest expense	$264,000	7,294
Net interest income	$265,000	7,968
Provision for loan and lease losses	$0	7,158
Total noninterest income	$198,000	5,241
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$141,000	3,996
Trading account gains and fees	$0	193
Additional Noninterest Income	$57,000	5,652
Total noninterest expense	$902,000	6,523
Salaries and employee benefits	$332,000	7,160
Premises and equipment expense	$111,000	6,386
Additional noninterest expense	$459,000	5,476
Pre-tax net operating income	$-439,000	6,576
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-439,000	6,693
Extraordinary gains, net	$0	21
Net income	$-439,000	6,694
Minority interest net income	$0	112
Net income of bank and minority interests.	$-439,000	6,694
Net charge-offs	$572,000	2,197
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-439,000	6,671
2009-03-31 (YTD Data)		Rank
Total interest income	$237,000	7,965
Total interest expense	$136,000	7,341
Net interest income	$101,000	8,101
Provision for loan and lease losses	$0	6,744
Total noninterest income	$104,000	5,136
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$87,000	3,531
Trading account gains and fees	$0	171
Additional Noninterest Income	$17,000	6,333
Total noninterest expense	$508,000	6,234
Salaries and employee benefits	$180,000	7,062
Premises and equipment expense	$56,000	6,420
Additional noninterest expense	$272,000	4,706
Pre-tax net operating income	$-303,000	7,069
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-303,000	7,212
Extraordinary gains, net	$0	15
Net income	$-303,000	7,212
Minority interest net income	$0	102
Net income of bank and minority interests.	$-303,000	7,213
Net charge-offs	$324,000	1,707
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-303,000	7,159
2008-12-31 (YTD Data)		Rank
Total interest income	$1,841,000	7,446
Total interest expense	$723,000	7,273
Net interest income	$1,118,000	7,458
Provision for loan and lease losses	$1,129,000	2,531
Total noninterest income	$338,000	5,623
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$396,000	3,474
Trading account gains and fees	$0	154
Additional Noninterest Income	$-58,000	8,096
Total noninterest expense	$1,798,000	6,494
Salaries and employee benefits	$933,000	6,575
Premises and equipment expense	$247,000	6,272
Additional noninterest expense	$618,000	6,162
Pre-tax net operating income	$-1,471,000	7,204
Securities gains (losses)	$-2,010,000	7,904
Applicable income taxes	$-336,000	7,357
Income before extraordinary items	$-3,145,000	7,634
Extraordinary gains, net	$0	39
Net income	$-3,145,000	7,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,490
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,336,000	7,257
2008-09-30 (YTD Data)		Rank
Total interest income	$1,494,000	7,422
Total interest expense	$574,000	7,316
Net interest income	$920,000	7,387
Provision for loan and lease losses	$1,119,000	1,711
Total noninterest income	$370,000	4,972
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$297,000	3,501
Trading account gains and fees	$0	148
Additional Noninterest Income	$73,000	6,081
Total noninterest expense	$1,358,000	6,478
Salaries and employee benefits	$772,000	6,367
Premises and equipment expense	$187,000	6,271
Additional noninterest expense	$399,000	6,472
Pre-tax net operating income	$-1,187,000	7,625
Securities gains (losses)	$-1,894,000	8,048
Applicable income taxes	$-336,000	7,778
Income before extraordinary items	$-2,745,000	7,982
Extraordinary gains, net	$0	31
Net income	$-2,745,000	7,981
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,500
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,059,340	7,646
2008-06-30 (YTD Data)		Rank
Total interest income	$1,083,000	7,360
Total interest expense	$411,000	7,321
Net interest income	$672,000	7,270
Provision for loan and lease losses	$30,000	5,577
Total noninterest income	$250,000	4,997
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$198,000	3,511
Trading account gains and fees	$0	149
Additional Noninterest Income	$52,000	6,079
Total noninterest expense	$911,000	6,509
Salaries and employee benefits	$532,000	6,347
Premises and equipment expense	$125,000	6,294
Additional noninterest expense	$254,000	6,610
Pre-tax net operating income	$-19,000	7,004
Securities gains (losses)	$0	3,233
Applicable income taxes	$-7,000	7,594
Income before extraordinary items	$-12,000	7,050
Extraordinary gains, net	$0	21
Net income	$-12,000	7,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,084
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-12,000	7,011
2008-03-31 (YTD Data)		Rank
Total interest income	$585,000	7,312
Total interest expense	$226,000	7,291
Net interest income	$359,000	7,197
Provision for loan and lease losses	$15,000	5,068
Total noninterest income	$131,000	4,906
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$100,000	3,452
Trading account gains and fees	$0	158
Additional Noninterest Income	$31,000	5,863
Total noninterest expense	$442,000	6,607
Salaries and employee benefits	$269,000	6,352
Premises and equipment expense	$62,000	6,354
Additional noninterest expense	$111,000	6,884
Pre-tax net operating income	$33,000	6,813
Securities gains (losses)	$0	2,688
Applicable income taxes	$12,000	4,690
Income before extraordinary items	$21,000	7,008
Extraordinary gains, net	$0	15
Net income	$21,000	7,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,393
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$21,000	6,919
2007-12-31 (YTD Data)		Rank
Total interest income	$3,005,000	6,832
Total interest expense	$971,000	7,214
Net interest income	$2,034,000	6,458
Provision for loan and lease losses	$80,000	5,190
Total noninterest income	$459,000	5,219
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$410,000	3,481
Trading account gains and fees	$0	178
Additional Noninterest Income	$49,000	7,114
Total noninterest expense	$1,758,000	6,539
Salaries and employee benefits	$1,030,000	6,358
Premises and equipment expense	$259,000	6,165
Additional noninterest expense	$469,000	6,736
Pre-tax net operating income	$655,000	5,554
Securities gains (losses)	$0	2,146
Applicable income taxes	$243,000	3,649
Income before extraordinary items	$412,000	6,005
Extraordinary gains, net	$0	39
Net income	$412,000	6,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	4,768
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$412,000	5,998
2007-09-30 (YTD Data)		Rank
Total interest income	$2,288,000	6,844
Total interest expense	$727,000	7,243
Net interest income	$1,561,000	6,441
Provision for loan and lease losses	$23,000	5,748
Total noninterest income	$321,000	5,405
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$341,000	3,262
Trading account gains and fees	$0	184
Additional Noninterest Income	$-20,000	8,512
Total noninterest expense	$1,324,000	6,518
Salaries and employee benefits	$778,000	6,348
Premises and equipment expense	$196,000	6,123
Additional noninterest expense	$350,000	6,734
Pre-tax net operating income	$535,000	5,653
Securities gains (losses)	$0	1,655
Applicable income taxes	$199,000	3,723
Income before extraordinary items	$336,000	6,127
Extraordinary gains, net	$0	33
Net income	$336,000	6,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,542
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$336,000	6,114
2007-06-30 (YTD Data)		Rank
Total interest income	$1,521,000	6,894
Total interest expense	$470,000	7,315
Net interest income	$1,051,000	6,469
Provision for loan and lease losses	$15,000	5,502
Total noninterest income	$200,000	5,568
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$221,000	3,301
Trading account gains and fees	$0	168
Additional Noninterest Income	$-21,000	8,577
Total noninterest expense	$874,000	6,594
Salaries and employee benefits	$515,000	6,413
Premises and equipment expense	$130,000	6,176
Additional noninterest expense	$229,000	6,800
Pre-tax net operating income	$362,000	5,711
Securities gains (losses)	$0	1,444
Applicable income taxes	$134,000	3,788
Income before extraordinary items	$228,000	6,170
Extraordinary gains, net	$0	29
Net income	$228,000	6,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,576
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$228,000	6,154
2007-03-31 (YTD Data)		Rank
Total interest income	$775,000	6,883
Total interest expense	$229,000	7,383
Net interest income	$546,000	6,413
Provision for loan and lease losses	$8,000	5,190
Total noninterest income	$101,000	5,536
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$90,000	3,661
Trading account gains and fees	$0	195
Additional Noninterest Income	$11,000	7,311
Total noninterest expense	$439,000	6,614
Salaries and employee benefits	$255,000	6,482
Premises and equipment expense	$68,000	6,105
Additional noninterest expense	$116,000	6,783
Pre-tax net operating income	$200,000	5,516
Securities gains (losses)	$0	1,187
Applicable income taxes	$74,000	3,685
Income before extraordinary items	$126,000	5,995
Extraordinary gains, net	$0	22
Net income	$126,000	5,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	7,955
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$126,000	5,979
2006-12-31 (YTD Data)		Rank
Total interest income	$2,880,000	6,866
Total interest expense	$789,000	7,343
Net interest income	$2,091,000	6,458
Provision for loan and lease losses	$30,000	6,013
Total noninterest income	$497,000	5,149
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$416,000	3,455
Trading account gains and fees	$0	130
Additional Noninterest Income	$81,000	6,654
Total noninterest expense	$1,808,000	6,426
Salaries and employee benefits	$1,019,000	6,371
Premises and equipment expense	$278,000	5,935
Additional noninterest expense	$511,000	6,487
Pre-tax net operating income	$750,000	5,786
Securities gains (losses)	$0	1,687
Applicable income taxes	$300,000	3,806
Income before extraordinary items	$450,000	6,332
Extraordinary gains, net	$0	51
Net income	$450,000	6,333
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	8,188
Cash dividends	$130,000	5,282
Sale, conversion, retirement of capital stock, net	$-1,550,000	8,667
Net operating income	$450,000	6,333
2006-09-30 (YTD Data)		Rank
Total interest income	$2,154,000	6,915
Total interest expense	$568,000	7,405
Net interest income	$1,586,000	6,496
Provision for loan and lease losses	$23,000	5,896
Total noninterest income	$370,000	5,178
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	$19,000	7,867
Total noninterest expense	$1,357,000	6,428
Salaries and employee benefits	$745,000	6,425
Premises and equipment expense	$208,000	5,962
Additional noninterest expense	$404,000	6,369
Pre-tax net operating income	$576,000	5,947
Securities gains (losses)	$0	1,388
Applicable income taxes	$230,000	3,956
Income before extraordinary items	$346,000	6,472
Extraordinary gains, net	$0	45
Net income	$346,000	6,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	8,326
Cash dividends	$62,000	4,954
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$346,000	6,481
2006-06-30 (YTD Data)		Rank
Total interest income	$1,402,000	6,969
Total interest expense	$363,000	7,429
Net interest income	$1,039,000	6,569
Provision for loan and lease losses	$15,000	5,732
Total noninterest income	$254,000	5,112
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$210,000	3,445
Trading account gains and fees	$0	126
Additional Noninterest Income	$44,000	6,558
Total noninterest expense	$915,000	6,412
Salaries and employee benefits	$499,000	6,441
Premises and equipment expense	$139,000	5,966
Additional noninterest expense	$277,000	6,308
Pre-tax net operating income	$363,000	6,086
Securities gains (losses)	$0	1,185
Applicable income taxes	$145,000	4,057
Income before extraordinary items	$218,000	6,605
Extraordinary gains, net	$0	39
Net income	$218,000	6,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-40,000	8,354
Cash dividends	$62,000	4,683
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$218,000	6,600
2006-03-31 (YTD Data)		Rank
Total interest income	$696,000	6,966
Total interest expense	$175,000	7,461
Net interest income	$521,000	6,576
Provision for loan and lease losses	$7,000	5,519
Total noninterest income	$126,000	5,087
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$98,000	3,520
Trading account gains and fees	$0	115
Additional Noninterest Income	$28,000	6,187
Total noninterest expense	$459,000	6,414
Salaries and employee benefits	$253,000	6,424
Premises and equipment expense	$70,000	5,955
Additional noninterest expense	$136,000	6,338
Pre-tax net operating income	$181,000	6,041
Securities gains (losses)	$0	955
Applicable income taxes	$72,000	4,009
Income before extraordinary items	$109,000	6,582
Extraordinary gains, net	$0	21
Net income	$109,000	6,582
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,292
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$109,000	6,578
2005-12-31 (YTD Data)		Rank
Total interest income	$2,395,000	7,095
Total interest expense	$428,000	7,815
Net interest income	$1,967,000	6,676
Provision for loan and lease losses	$60,000	5,443
Total noninterest income	$472,000	5,376
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$372,000	3,719
Trading account gains and fees	$0	138
Additional Noninterest Income	$100,000	6,402
Total noninterest expense	$1,802,000	6,404
Salaries and employee benefits	$951,000	6,505
Premises and equipment expense	$284,000	5,881
Additional noninterest expense	$567,000	6,222
Pre-tax net operating income	$577,000	6,493
Securities gains (losses)	$0	2,296
Applicable income taxes	$232,000	4,465
Income before extraordinary items	$345,000	6,990
Extraordinary gains, net	$0	46
Net income	$345,000	6,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	2,637
Cash dividends	$102,000	5,458
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$345,000	6,977
2005-09-30 (YTD Data)		Rank
Total interest income	$1,729,000	7,179
Total interest expense	$268,000	8,011
Net interest income	$1,461,000	6,729
Provision for loan and lease losses	$45,000	5,313
Total noninterest income	$330,000	5,554
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$261,000	3,871
Trading account gains and fees	$0	126
Additional Noninterest Income	$69,000	6,541
Total noninterest expense	$1,339,000	6,423
Salaries and employee benefits	$696,000	6,556
Premises and equipment expense	$214,000	5,869
Additional noninterest expense	$429,000	6,170
Pre-tax net operating income	$407,000	6,758
Securities gains (losses)	$0	2,317
Applicable income taxes	$164,000	4,713
Income before extraordinary items	$243,000	7,223
Extraordinary gains, net	$0	35
Net income	$243,000	7,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	1,892
Cash dividends	$46,000	5,058
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$243,000	7,180
2005-06-30 (YTD Data)		Rank
Total interest income	$1,118,000	7,215
Total interest expense	$159,000	8,124
Net interest income	$959,000	6,763
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$202,000	5,707
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$147,000	4,204
Trading account gains and fees	$0	116
Additional Noninterest Income	$55,000	6,254
Total noninterest expense	$896,000	6,413
Salaries and employee benefits	$465,000	6,551
Premises and equipment expense	$143,000	5,844
Additional noninterest expense	$288,000	6,123
Pre-tax net operating income	$235,000	6,995
Securities gains (losses)	$0	2,146
Applicable income taxes	$94,000	4,889
Income before extraordinary items	$141,000	7,421
Extraordinary gains, net	$0	30
Net income	$141,000	7,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	2,957
Cash dividends	$46,000	4,776
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$141,000	7,377
2005-03-31 (YTD Data)		Rank
Total interest income	$543,000	7,317
Total interest expense	$71,000	8,251
Net interest income	$472,000	6,853
Provision for loan and lease losses	$15,000	4,875
Total noninterest income	$96,000	5,780
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$63,000	4,498
Trading account gains and fees	$0	115
Additional Noninterest Income	$33,000	6,001
Total noninterest expense	$461,000	6,363
Salaries and employee benefits	$236,000	6,534
Premises and equipment expense	$80,000	5,566
Additional noninterest expense	$145,000	6,118
Pre-tax net operating income	$92,000	7,341
Securities gains (losses)	$0	1,685
Applicable income taxes	$37,000	5,118
Income before extraordinary items	$55,000	7,676
Extraordinary gains, net	$0	24
Net income	$55,000	7,675
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	1,841
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$55,000	7,645
2004-12-31 (YTD Data)		Rank
Total interest income	$2,085,000	7,297
Total interest expense	$305,000	8,080
Net interest income	$1,780,000	6,927
Provision for loan and lease losses	$120,000	4,623
Total noninterest income	$454,000	5,508
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$321,000	4,171
Trading account gains and fees	$0	138
Additional Noninterest Income	$133,000	5,919
Total noninterest expense	$1,885,000	6,208
Salaries and employee benefits	$940,000	6,475
Premises and equipment expense	$343,000	5,288
Additional noninterest expense	$602,000	5,965
Pre-tax net operating income	$229,000	7,676
Securities gains (losses)	$0	3,819
Applicable income taxes	$96,000	5,551
Income before extraordinary items	$133,000	7,958
Extraordinary gains, net	$0	34
Net income	$133,000	7,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,489
Cash dividends	$128,000	5,296
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$133,000	7,910
2004-09-30 (YTD Data)		Rank
Total interest income	$1,532,000	7,357
Total interest expense	$235,000	8,056
Net interest income	$1,297,000	7,012
Provision for loan and lease losses	$90,000	4,429
Total noninterest income	$363,000	5,376
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$244,000	4,160
Trading account gains and fees	$0	134
Additional Noninterest Income	$119,000	5,588
Total noninterest expense	$1,414,000	6,162
Salaries and employee benefits	$698,000	6,473
Premises and equipment expense	$261,000	5,203
Additional noninterest expense	$455,000	5,908
Pre-tax net operating income	$156,000	7,887
Securities gains (losses)	$0	3,710
Applicable income taxes	$67,000	5,744
Income before extraordinary items	$89,000	8,141
Extraordinary gains, net	$0	26
Net income	$89,000	8,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	1,881
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$89,000	8,090
2004-06-30 (YTD Data)		Rank
Total interest income	$960,000	7,523
Total interest expense	$161,000	8,094
Net interest income	$799,000	7,226
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$282,000	4,978
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$282,000	3,093
Total noninterest expense	$955,000	6,161
Salaries and employee benefits	$479,000	6,437
Premises and equipment expense	$219,000	4,482
Additional noninterest expense	$257,000	6,448
Pre-tax net operating income	$66,000	8,148
Securities gains (losses)	$0	3,413
Applicable income taxes	$31,000	6,006
Income before extraordinary items	$35,000	8,353
Extraordinary gains, net	$0	21
Net income	$35,000	8,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	1,558
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$35,000	8,285
2004-03-31 (YTD Data)		Rank
Total interest income	$487,000	7,544
Total interest expense	$86,000	8,072
Net interest income	$401,000	7,247
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$161,000	4,596
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$161,000	2,816
Total noninterest expense	$501,000	6,043
Salaries and employee benefits	$252,000	6,306
Premises and equipment expense	$104,000	4,667
Additional noninterest expense	$145,000	6,107
Pre-tax net operating income	$31,000	8,172
Securities gains (losses)	$0	2,934
Applicable income taxes	$16,000	5,956
Income before extraordinary items	$15,000	8,399
Extraordinary gains, net	$0	16
Net income	$15,000	8,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$182,000	874
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$15,000	8,333
2003-12-31 (YTD Data)		Rank
Total interest income	$2,248,000	7,314
Total interest expense	$545,000	7,595
Net interest income	$1,703,000	7,056
Provision for loan and lease losses	$240,000	3,615
Total noninterest income	$2,698,000	1,834
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,698,000	1,163
Total noninterest expense	$2,306,000	5,510
Salaries and employee benefits	$1,105,000	5,915
Premises and equipment expense	$632,000	3,378
Additional noninterest expense	$569,000	6,154
Pre-tax net operating income	$1,855,000	3,559
Securities gains (losses)	$50,000	2,510
Applicable income taxes	$441,000	3,597
Income before extraordinary items	$1,464,000	3,621
Extraordinary gains, net	$0	54
Net income	$1,464,000	3,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$337,000	2,096
Cash dividends	$114,000	5,459
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,425,500	3,523
2003-09-30 (YTD Data)		Rank
Total interest income	$1,726,000	7,335
Total interest expense	$449,000	7,540
Net interest income	$1,277,000	7,095
Provision for loan and lease losses	$210,000	3,249
Total noninterest income	$2,383,000	1,647
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,383,000	1,094
Total noninterest expense	$1,817,000	5,297
Salaries and employee benefits	$893,000	5,622
Premises and equipment expense	$470,000	3,392
Additional noninterest expense	$454,000	5,952
Pre-tax net operating income	$1,633,000	3,328
Securities gains (losses)	$50,000	2,306
Applicable income taxes	$22,000	6,754
Income before extraordinary items	$1,661,000	2,739
Extraordinary gains, net	$0	40
Net income	$1,661,000	2,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$229,000	2,031
Cash dividends	$114,000	4,607
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,611,500	2,663
2003-06-30 (YTD Data)		Rank
Total interest income	$1,200,000	7,287
Total interest expense	$341,000	7,390
Net interest income	$859,000	7,086
Provision for loan and lease losses	$150,000	3,000
Total noninterest income	$2,227,000	1,259
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,227,000	850
Total noninterest expense	$1,326,000	4,986
Salaries and employee benefits	$648,000	5,371
Premises and equipment expense	$331,000	3,233
Additional noninterest expense	$347,000	5,499
Pre-tax net operating income	$1,610,000	2,450
Securities gains (losses)	$50,000	2,013
Applicable income taxes	$0	7,529
Income before extraordinary items	$1,660,000	1,920
Extraordinary gains, net	$0	30
Net income	$1,660,000	1,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,557
Cash dividends	$114,000	4,135
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,610,000	1,865
2003-03-31 (YTD Data)		Rank
Total interest income	$651,000	7,104
Total interest expense	$212,000	6,915
Net interest income	$439,000	7,033
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$2,108,000	746
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,108,000	524
Total noninterest expense	$823,000	4,276
Salaries and employee benefits	$415,000	4,509
Premises and equipment expense	$203,000	2,727
Additional noninterest expense	$205,000	4,878
Pre-tax net operating income	$1,649,000	1,300
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$1,649,000	1,020
Extraordinary gains, net	$0	21
Net income	$1,649,000	1,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	9,043
Cash dividends	$114,000	2,788
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,649,000	942
2002-12-31 (YTD Data)		Rank
Total interest income	$3,898,000	5,988
Total interest expense	$1,665,000	5,393
Net interest income	$2,233,000	6,275
Provision for loan and lease losses	$2,015,000	723
Total noninterest income	$2,801,000	1,637
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,801,000	1,043
Total noninterest expense	$3,647,000	3,821
Salaries and employee benefits	$1,563,000	4,537
Premises and equipment expense	$971,000	2,253
Additional noninterest expense	$1,113,000	3,837
Pre-tax net operating income	$-628,000	9,029
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-628,000	9,087
Extraordinary gains, net	$0	70
Net income	$-628,000	9,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,697,000	467
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$10,000	810
Net operating income	$-628,000	9,042
2001-12-31 (YTD Data)		Rank
Total interest income	$6,304,000	4,790
Total interest expense	$3,584,000	4,126
Net interest income	$2,720,000	5,421
Provision for loan and lease losses	$2,399,000	609
Total noninterest income	$1,173,000	2,972
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,173,000	1,827
Total noninterest expense	$3,612,000	3,727
Salaries and employee benefits	$1,466,000	4,600
Premises and equipment expense	$936,000	2,278
Additional noninterest expense	$1,210,000	3,474
Pre-tax net operating income	$-2,118,000	9,493
Securities gains (losses)	$0	4,612
Applicable income taxes	$-747,000	9,532
Income before extraordinary items	$-1,371,000	9,475
Extraordinary gains, net	$0	105
Net income	$-1,371,000	9,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$962,000	965
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$2,502,000	276
Net operating income	$-1,371,000	9,448
2000-12-31 (YTD Data)		Rank
Total interest income	$5,699,000	5,270
Total interest expense	$3,008,000	4,917
Net interest income	$2,691,000	5,554
Provision for loan and lease losses	$1,061,000	1,014
Total noninterest income	$1,173,000	2,804
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,173,000	1,670
Total noninterest expense	$2,913,000	4,328
Salaries and employee benefits	$1,246,000	5,058
Premises and equipment expense	$826,000	2,504
Additional noninterest expense	$841,000	4,568
Pre-tax net operating income	$-110,000	9,254
Securities gains (losses)	$0	1,956
Applicable income taxes	$-42,000	9,460
Income before extraordinary items	$-68,000	9,229
Extraordinary gains, net	$0	38
Net income	$-68,000	9,228
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$799,000	881
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-68,000	9,224
1999-12-31 (YTD Data)		Rank
Total interest income	$5,189,000	5,443
Total interest expense	$2,770,000	4,899
Net interest income	$2,419,000	5,920
Provision for loan and lease losses	$228,000	3,283
Total noninterest income	$895,000	3,358
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$895,000	2,009
Total noninterest expense	$2,456,000	4,950
Salaries and employee benefits	$1,126,000	5,411
Premises and equipment expense	$738,000	2,744
Additional noninterest expense	$592,000	5,880
Pre-tax net operating income	$630,000	6,606
Securities gains (losses)	$0	3,155
Applicable income taxes	$243,000	5,283
Income before extraordinary items	$387,000	7,058
Extraordinary gains, net	$0	35
Net income	$387,000	7,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$315,000	1,741
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$387,000	7,031
1998-12-31 (YTD Data)		Rank
Total interest income	$4,754,000	5,872
Total interest expense	$2,581,000	5,248
Net interest income	$2,173,000	6,341
Provision for loan and lease losses	$238,000	3,151
Total noninterest income	$873,000	3,390
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$873,000	2,040
Total noninterest expense	$2,058,000	5,495
Salaries and employee benefits	$951,000	5,981
Premises and equipment expense	$708,000	2,740
Additional noninterest expense	$399,000	7,226
Pre-tax net operating income	$750,000	6,296
Securities gains (losses)	$5,000	3,437
Applicable income taxes	$253,000	5,623
Income before extraordinary items	$502,000	6,603
Extraordinary gains, net	$0	32
Net income	$502,000	6,602
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	3,434
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$498,700	6,502
1997-12-31 (YTD Data)		Rank
Total interest income	$3,631,000	7,027
Total interest expense	$1,701,000	6,886
Net interest income	$1,930,000	7,061
Provision for loan and lease losses	$45,000	6,862
Total noninterest income	$647,000	4,209
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$647,000	2,355
Total noninterest expense	$1,904,000	5,838
Salaries and employee benefits	$881,000	6,393
Premises and equipment expense	$644,000	2,964
Additional noninterest expense	$379,000	7,539
Pre-tax net operating income	$628,000	7,297
Securities gains (losses)	$-3,000	9,416
Applicable income taxes	$219,000	6,631
Income before extraordinary items	$406,000	7,595
Extraordinary gains, net	$0	44
Net income	$406,000	7,598
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	9,638
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$407,950	7,532
1996-12-31 (YTD Data)		Rank
Total interest income	$3,527,000	7,355
Total interest expense	$1,652,000	7,211
Net interest income	$1,875,000	7,413
Provision for loan and lease losses	$30,000	7,397
Total noninterest income	$599,000	4,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$599,000	2,574
Total noninterest expense	$1,818,000	6,344
Salaries and employee benefits	$756,000	7,224
Premises and equipment expense	$686,000	2,857
Additional noninterest expense	$376,000	8,093
Pre-tax net operating income	$626,000	7,286
Securities gains (losses)	$0	4,148
Applicable income taxes	$220,000	6,838
Income before extraordinary items	$406,000	7,567
Extraordinary gains, net	$0	53
Net income	$406,000	7,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,762
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$406,000	7,515
1995-12-31 (YTD Data)		Rank
Total interest income	$3,601,000	7,424
Total interest expense	$1,851,000	6,779
Net interest income	$1,750,000	7,892
Provision for loan and lease losses	$324,000	2,168
Total noninterest income	$392,000	6,066
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$392,000	3,347
Total noninterest expense	$1,591,000	7,007
Salaries and employee benefits	$771,000	7,262
Premises and equipment expense	$430,000	4,264
Additional noninterest expense	$390,000	8,291
Pre-tax net operating income	$227,000	10,287
Securities gains (losses)	$-100,000	11,483
Applicable income taxes	$4,000	11,033
Income before extraordinary items	$123,000	10,721
Extraordinary gains, net	$0	65
Net income	$123,000	10,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,855
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$220,000	9,683
1994-12-31 (YTD Data)		Rank
Total interest income	$2,341,000	9,184
Total interest expense	$1,075,000	8,374
Net interest income	$1,266,000	9,572
Provision for loan and lease losses	$278,000	2,410
Total noninterest income	$342,000	6,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$342,000	3,768
Total noninterest expense	$1,116,000	8,920
Salaries and employee benefits	$523,000	9,184
Premises and equipment expense	$279,000	6,023
Additional noninterest expense	$314,000	9,794
Pre-tax net operating income	$214,000	10,783
Securities gains (losses)	$0	3,600
Applicable income taxes	$66,000	10,095
Income before extraordinary items	$148,000	10,845
Extraordinary gains, net	$0	249
Net income	$148,000	10,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,000	2,957
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$50,000	906
Net operating income	$148,000	10,896

* 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.