Home > The Palm Bank > Income and Expense

The Palm Bank, Income and Expense

2012-03-31 (YTD Data)		Rank
Total interest income	$1,227,000	4,513
Total interest expense	$218,000	4,247
Net interest income	$1,009,000	4,495
Provision for loan and lease losses	$0	5,254
Total noninterest income	$-3,000	7,118
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$45,000	4,489
Trading account gains and fees	$0	148
Additional Noninterest Income	$-48,000	7,094
Total noninterest expense	$1,217,000	3,593
Salaries and employee benefits	$477,000	4,329
Premises and equipment expense	$176,000	3,077
Additional noninterest expense	$564,000	2,806
Pre-tax net operating income	$-211,000	6,858
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$-211,000	6,912
Extraordinary gains, net	$0	19
Net income	$-211,000	6,913
Minority interest net income	$0	78
Net income of bank and minority interests.	$-211,000	6,913
Net charge-offs	$-64,000	7,113
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-211,000	6,875
2011-12-31 (YTD Data)		Rank
Total interest income	$6,080,000	4,013
Total interest expense	$1,593,000	3,295
Net interest income	$4,487,000	4,216
Provision for loan and lease losses	$1,249,000	2,112
Total noninterest income	$140,000	6,116
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$228,000	4,149
Trading account gains and fees	$0	146
Additional Noninterest Income	$-88,000	6,881
Total noninterest expense	$4,774,000	3,653
Salaries and employee benefits	$2,026,000	4,141
Premises and equipment expense	$724,000	3,118
Additional noninterest expense	$2,024,000	3,114
Pre-tax net operating income	$-1,396,000	6,687
Securities gains (losses)	$492,000	799
Applicable income taxes	$0	4,719
Income before extraordinary items	$-904,000	6,614
Extraordinary gains, net	$0	29
Net income	$-904,000	6,616
Minority interest net income	$0	96
Net income of bank and minority interests.	$-904,000	6,614
Net charge-offs	$2,091,000	1,509
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-1,396,000	6,706
2011-09-30 (YTD Data)		Rank
Total interest income	$4,724,000	3,965
Total interest expense	$1,335,000	3,133
Net interest income	$3,389,000	4,216
Provision for loan and lease losses	$1,177,000	1,772
Total noninterest income	$129,000	6,008
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$176,000	4,108
Trading account gains and fees	$0	145
Additional Noninterest Income	$-47,000	7,000
Total noninterest expense	$3,337,000	3,846
Salaries and employee benefits	$1,538,000	4,122
Premises and equipment expense	$550,000	3,123
Additional noninterest expense	$1,249,000	3,584
Pre-tax net operating income	$-996,000	6,796
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$-996,000	6,856
Extraordinary gains, net	$0	21
Net income	$-996,000	6,858
Minority interest net income	$0	87
Net income of bank and minority interests.	$-996,000	6,857
Net charge-offs	$1,696,000	1,368
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-996,000	6,827
2011-06-30 (YTD Data)		Rank
Total interest income	$3,229,000	3,944
Total interest expense	$973,000	3,010
Net interest income	$2,256,000	4,237
Provision for loan and lease losses	$801,000	1,712
Total noninterest income	$100,000	5,858
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$116,000	4,111
Trading account gains and fees	$0	153
Additional Noninterest Income	$-16,000	7,049
Total noninterest expense	$2,162,000	3,964
Salaries and employee benefits	$1,002,000	4,202
Premises and equipment expense	$365,000	3,157
Additional noninterest expense	$795,000	3,765
Pre-tax net operating income	$-607,000	6,836
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$-607,000	6,886
Extraordinary gains, net	$0	15
Net income	$-607,000	6,885
Minority interest net income	$0	89
Net income of bank and minority interests.	$-607,000	6,886
Net charge-offs	$938,000	1,525
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-607,000	6,877
2011-03-31 (YTD Data)		Rank
Total interest income	$1,648,000	3,928
Total interest expense	$505,000	3,011
Net interest income	$1,143,000	4,193
Provision for loan and lease losses	$0	5,840
Total noninterest income	$112,000	4,711
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$58,000	4,076
Trading account gains and fees	$0	158
Additional Noninterest Income	$54,000	4,538
Total noninterest expense	$1,090,000	3,958
Salaries and employee benefits	$489,000	4,298
Premises and equipment expense	$187,000	3,156
Additional noninterest expense	$414,000	3,647
Pre-tax net operating income	$165,000	4,518
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$165,000	4,304
Extraordinary gains, net	$0	9
Net income	$165,000	4,303
Minority interest net income	$0	86
Net income of bank and minority interests.	$165,000	4,304
Net charge-offs	$-10,000	6,997
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$165,000	4,245
2010-12-31 (YTD Data)		Rank
Total interest income	$7,195,000	3,841
Total interest expense	$2,691,000	2,822
Net interest income	$4,504,000	4,242
Provision for loan and lease losses	$2,489,000	1,808
Total noninterest income	$-334,000	7,457
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$250,000	4,013
Trading account gains and fees	$0	175
Additional Noninterest Income	$-584,000	7,424
Total noninterest expense	$4,644,000	3,812
Salaries and employee benefits	$2,052,000	4,147
Premises and equipment expense	$850,000	2,835
Additional noninterest expense	$1,742,000	3,612
Pre-tax net operating income	$-2,963,000	6,910
Securities gains (losses)	$846,000	568
Applicable income taxes	$0	4,655
Income before extraordinary items	$-2,117,000	6,869
Extraordinary gains, net	$0	29
Net income	$-2,117,000	6,869
Minority interest net income	$0	111
Net income of bank and minority interests.	$-2,117,000	6,870
Net charge-offs	$2,619,000	1,581
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-2,963,000	6,967
2010-09-30 (YTD Data)		Rank
Total interest income	$5,401,000	3,911
Total interest expense	$2,137,000	2,816
Net interest income	$3,264,000	4,387
Provision for loan and lease losses	$1,350,000	2,120
Total noninterest income	$-201,000	7,566
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$191,000	4,050
Trading account gains and fees	$0	165
Additional Noninterest Income	$-392,000	7,540
Total noninterest expense	$3,388,000	3,889
Salaries and employee benefits	$1,577,000	4,125
Premises and equipment expense	$655,000	2,826
Additional noninterest expense	$1,156,000	3,908
Pre-tax net operating income	$-1,675,000	7,000
Securities gains (losses)	$846,000	473
Applicable income taxes	$0	4,726
Income before extraordinary items	$-829,000	6,838
Extraordinary gains, net	$0	23
Net income	$-829,000	6,838
Minority interest net income	$0	110
Net income of bank and minority interests.	$-829,000	6,838
Net charge-offs	$1,416,000	1,832
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$24,000	967
Net operating income	$-1,675,000	7,056
2010-06-30 (YTD Data)		Rank
Total interest income	$3,599,000	3,941
Total interest expense	$1,478,000	2,831
Net interest income	$2,121,000	4,462
Provision for loan and lease losses	$836,000	2,144
Total noninterest income	$14,000	7,395
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$131,000	3,975
Trading account gains and fees	$0	152
Additional Noninterest Income	$-117,000	7,543
Total noninterest expense	$2,195,000	3,975
Salaries and employee benefits	$1,052,000	4,146
Premises and equipment expense	$426,000	2,901
Additional noninterest expense	$717,000	4,072
Pre-tax net operating income	$-896,000	6,957
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-896,000	7,050
Extraordinary gains, net	$0	19
Net income	$-896,000	7,050
Minority interest net income	$0	105
Net income of bank and minority interests.	$-896,000	7,050
Net charge-offs	$1,248,000	1,523
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-896,000	7,015
2010-03-31 (YTD Data)		Rank
Total interest income	$1,794,000	4,011
Total interest expense	$794,000	2,767
Net interest income	$1,000,000	4,682
Provision for loan and lease losses	$678,000	1,513
Total noninterest income	$-45,000	7,752
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$65,000	3,983
Trading account gains and fees	$0	175
Additional Noninterest Income	$-110,000	7,748
Total noninterest expense	$1,087,000	4,037
Salaries and employee benefits	$524,000	4,221
Premises and equipment expense	$219,000	2,901
Additional noninterest expense	$344,000	4,209
Pre-tax net operating income	$-810,000	7,348
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-810,000	7,415
Extraordinary gains, net	$0	16
Net income	$-810,000	7,415
Minority interest net income	$0	91
Net income of bank and minority interests.	$-810,000	7,416
Net charge-offs	$555,000	1,504
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-810,000	7,401
2009-12-31 (YTD Data)		Rank
Total interest income	$8,394,000	3,694
Total interest expense	$3,835,000	2,832
Net interest income	$4,559,000	4,185
Provision for loan and lease losses	$2,760,000	2,083
Total noninterest income	$110,000	6,910
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$277,000	4,042
Trading account gains and fees	$0	211
Additional Noninterest Income	$-167,000	7,660
Total noninterest expense	$5,235,000	3,538
Salaries and employee benefits	$2,393,000	3,818
Premises and equipment expense	$876,000	2,886
Additional noninterest expense	$1,966,000	3,356
Pre-tax net operating income	$-3,326,000	6,951
Securities gains (losses)	$1,573,000	332
Applicable income taxes	$0	4,388
Income before extraordinary items	$-1,753,000	6,666
Extraordinary gains, net	$0	34
Net income	$-1,753,000	6,666
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,753,000	6,666
Net charge-offs	$1,927,000	2,077
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$4,000	1,315
Net operating income	$-3,326,000	7,050
2009-09-30 (YTD Data)		Rank
Total interest income	$6,426,000	3,694
Total interest expense	$2,984,000	2,872
Net interest income	$3,442,000	4,178
Provision for loan and lease losses	$1,311,000	2,391
Total noninterest income	$198,000	5,899
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$211,000	4,027
Trading account gains and fees	$0	212
Additional Noninterest Income	$-13,000	7,681
Total noninterest expense	$3,865,000	3,586
Salaries and employee benefits	$1,825,000	3,805
Premises and equipment expense	$669,000	2,880
Additional noninterest expense	$1,371,000	3,513
Pre-tax net operating income	$-1,536,000	6,878
Securities gains (losses)	$1,570,000	252
Applicable income taxes	$0	4,592
Income before extraordinary items	$34,000	5,639
Extraordinary gains, net	$0	27
Net income	$34,000	5,639
Minority interest net income	$0	118
Net income of bank and minority interests.	$34,000	5,639
Net charge-offs	$701,000	2,631
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$16,000	1,126
Net operating income	$-1,536,000	7,001
2009-06-30 (YTD Data)		Rank
Total interest income	$4,369,000	3,669
Total interest expense	$2,037,000	2,921
Net interest income	$2,332,000	4,105
Provision for loan and lease losses	$821,000	2,305
Total noninterest income	$93,000	6,479
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$134,000	4,095
Trading account gains and fees	$0	193
Additional Noninterest Income	$-41,000	7,892
Total noninterest expense	$2,416,000	3,833
Salaries and employee benefits	$1,196,000	3,908
Premises and equipment expense	$442,000	2,938
Additional noninterest expense	$778,000	3,958
Pre-tax net operating income	$-812,000	6,906
Securities gains (losses)	$1,570,000	202
Applicable income taxes	$0	4,657
Income before extraordinary items	$758,000	2,328
Extraordinary gains, net	$0	21
Net income	$758,000	2,324
Minority interest net income	$0	112
Net income of bank and minority interests.	$758,000	2,327
Net charge-offs	$499,000	2,361
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$2,000	1,172
Net operating income	$-812,000	7,015
2009-03-31 (YTD Data)		Rank
Total interest income	$2,266,000	3,602
Total interest expense	$1,049,000	2,943
Net interest income	$1,217,000	4,019
Provision for loan and lease losses	$342,000	2,162
Total noninterest income	$33,000	6,915
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$66,000	4,093
Trading account gains and fees	$0	171
Additional Noninterest Income	$-33,000	8,062
Total noninterest expense	$1,360,000	3,402
Salaries and employee benefits	$620,000	3,825
Premises and equipment expense	$220,000	3,005
Additional noninterest expense	$520,000	2,902
Pre-tax net operating income	$-452,000	7,266
Securities gains (losses)	$873,000	208
Applicable income taxes	$0	4,835
Income before extraordinary items	$421,000	2,459
Extraordinary gains, net	$0	15
Net income	$421,000	2,459
Minority interest net income	$0	102
Net income of bank and minority interests.	$421,000	2,461
Net charge-offs	$318,000	1,724
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$2,000	1,034
Net operating income	$-452,000	7,364
2008-12-31 (YTD Data)		Rank
Total interest income	$9,506,000	3,664
Total interest expense	$4,901,000	3,003
Net interest income	$4,605,000	4,170
Provision for loan and lease losses	$3,665,000	1,224
Total noninterest income	$1,405,000	2,750
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$328,000	3,853
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,077,000	2,026
Total noninterest expense	$4,770,000	3,705
Salaries and employee benefits	$2,584,000	3,682
Premises and equipment expense	$925,000	2,811
Additional noninterest expense	$1,261,000	4,128
Pre-tax net operating income	$-2,425,000	7,475
Securities gains (losses)	$25,000	2,045
Applicable income taxes	$0	4,979
Income before extraordinary items	$-2,400,000	7,485
Extraordinary gains, net	$0	39
Net income	$-2,400,000	7,483
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,932,000	1,019
Cash dividends	$231,000	4,351
Sale, conversion, retirement of capital stock, net	$22,000	1,245
Net operating income	$-2,425,000	7,579
2008-09-30 (YTD Data)		Rank
Total interest income	$7,189,000	3,704
Total interest expense	$3,755,000	3,064
Net interest income	$3,434,000	4,209
Provision for loan and lease losses	$809,000	2,086
Total noninterest income	$1,389,000	2,334
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$245,000	3,895
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,144,000	1,654
Total noninterest expense	$3,653,000	3,635
Salaries and employee benefits	$1,944,000	3,703
Premises and equipment expense	$714,000	2,753
Additional noninterest expense	$995,000	3,881
Pre-tax net operating income	$361,000	5,403
Securities gains (losses)	$25,000	1,874
Applicable income taxes	$0	5,372
Income before extraordinary items	$386,000	4,850
Extraordinary gains, net	$0	31
Net income	$386,000	4,847
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$385,000	2,263
Cash dividends	$216,000	3,792
Sale, conversion, retirement of capital stock, net	$17,000	1,100
Net operating income	$361,000	5,105
2008-06-30 (YTD Data)		Rank
Total interest income	$4,827,000	3,734
Total interest expense	$2,526,000	3,157
Net interest income	$2,301,000	4,207
Provision for loan and lease losses	$334,000	2,392
Total noninterest income	$1,274,000	1,849
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$157,000	3,977
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,117,000	1,298
Total noninterest expense	$2,455,000	3,617
Salaries and employee benefits	$1,318,000	3,682
Premises and equipment expense	$460,000	2,849
Additional noninterest expense	$677,000	3,811
Pre-tax net operating income	$786,000	3,463
Securities gains (losses)	$5,000	2,725
Applicable income taxes	$0	5,627
Income before extraordinary items	$791,000	3,079
Extraordinary gains, net	$0	21
Net income	$791,000	3,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	2,653
Cash dividends	$143,000	3,805
Sale, conversion, retirement of capital stock, net	$11,000	1,007
Net operating income	$786,000	3,033
2008-03-31 (YTD Data)		Rank
Total interest income	$2,520,000	3,701
Total interest expense	$1,331,000	3,186
Net interest income	$1,189,000	4,130
Provision for loan and lease losses	$256,000	1,556
Total noninterest income	$1,152,000	1,191
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$71,000	4,126
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,081,000	809
Total noninterest expense	$1,275,000	3,527
Salaries and employee benefits	$677,000	3,635
Premises and equipment expense	$229,000	2,873
Additional noninterest expense	$369,000	3,522
Pre-tax net operating income	$810,000	2,134
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$810,000	1,791
Extraordinary gains, net	$0	15
Net income	$810,000	1,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	2,854
Cash dividends	$70,000	3,197
Sale, conversion, retirement of capital stock, net	$5,000	895
Net operating income	$810,000	1,726
2007-12-31 (YTD Data)		Rank
Total interest income	$10,631,000	3,616
Total interest expense	$5,862,000	3,058
Net interest income	$4,769,000	4,139
Provision for loan and lease losses	$278,000	3,330
Total noninterest income	$958,000	3,621
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$511,000	3,014
Trading account gains and fees	$0	178
Additional Noninterest Income	$447,000	3,523
Total noninterest expense	$4,904,000	3,482
Salaries and employee benefits	$2,742,000	3,467
Premises and equipment expense	$695,000	3,460
Additional noninterest expense	$1,467,000	3,483
Pre-tax net operating income	$545,000	5,844
Securities gains (losses)	$-65,000	8,062
Applicable income taxes	$0	6,070
Income before extraordinary items	$480,000	5,750
Extraordinary gains, net	$0	39
Net income	$480,000	5,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,136
Cash dividends	$251,000	4,631
Sale, conversion, retirement of capital stock, net	$122,000	881
Net operating income	$545,000	5,512
2007-09-30 (YTD Data)		Rank
Total interest income	$7,916,000	3,641
Total interest expense	$4,377,000	3,071
Net interest income	$3,539,000	4,185
Provision for loan and lease losses	$198,000	3,034
Total noninterest income	$699,000	3,684
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$439,000	2,717
Trading account gains and fees	$0	184
Additional Noninterest Income	$260,000	4,017
Total noninterest expense	$3,697,000	3,461
Salaries and employee benefits	$2,071,000	3,430
Premises and equipment expense	$507,000	3,517
Additional noninterest expense	$1,119,000	3,376
Pre-tax net operating income	$343,000	6,391
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$343,000	6,087
Extraordinary gains, net	$0	33
Net income	$343,000	6,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,157
Cash dividends	$186,000	4,203
Sale, conversion, retirement of capital stock, net	$117,000	728
Net operating income	$343,000	6,071
2007-06-30 (YTD Data)		Rank
Total interest income	$5,170,000	3,708
Total interest expense	$2,828,000	3,149
Net interest income	$2,342,000	4,243
Provision for loan and lease losses	$127,000	2,884
Total noninterest income	$361,000	4,259
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$301,000	2,646
Trading account gains and fees	$0	168
Additional Noninterest Income	$60,000	5,996
Total noninterest expense	$2,410,000	3,550
Salaries and employee benefits	$1,392,000	3,437
Premises and equipment expense	$348,000	3,460
Additional noninterest expense	$670,000	3,681
Pre-tax net operating income	$166,000	6,849
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$166,000	6,623
Extraordinary gains, net	$0	29
Net income	$166,000	6,624
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,783
Cash dividends	$124,000	4,150
Sale, conversion, retirement of capital stock, net	$112,000	581
Net operating income	$166,000	6,613
2007-03-31 (YTD Data)		Rank
Total interest income	$2,564,000	3,713
Total interest expense	$1,370,000	3,208
Net interest income	$1,194,000	4,180
Provision for loan and lease losses	$89,000	2,252
Total noninterest income	$169,000	4,373
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$103,000	3,387
Trading account gains and fees	$0	195
Additional Noninterest Income	$66,000	4,572
Total noninterest expense	$1,181,000	3,614
Salaries and employee benefits	$709,000	3,422
Premises and equipment expense	$173,000	3,492
Additional noninterest expense	$299,000	3,982
Pre-tax net operating income	$93,000	6,750
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$93,000	6,499
Extraordinary gains, net	$0	22
Net income	$93,000	6,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,606
Cash dividends	$62,000	3,462
Sale, conversion, retirement of capital stock, net	$55,000	473
Net operating income	$93,000	6,488
2006-12-31 (YTD Data)		Rank
Total interest income	$8,697,000	3,972
Total interest expense	$4,180,000	3,490
Net interest income	$4,517,000	4,326
Provision for loan and lease losses	$305,000	2,728
Total noninterest income	$823,000	3,983
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$525,000	2,956
Trading account gains and fees	$0	130
Additional Noninterest Income	$298,000	4,305
Total noninterest expense	$4,581,000	3,588
Salaries and employee benefits	$2,571,000	3,544
Premises and equipment expense	$654,000	3,522
Additional noninterest expense	$1,356,000	3,577
Pre-tax net operating income	$454,000	6,629
Securities gains (losses)	$-53,000	7,961
Applicable income taxes	$0	6,600
Income before extraordinary items	$401,000	6,514
Extraordinary gains, net	$0	51
Net income	$401,000	6,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,543
Cash dividends	$243,000	4,746
Sale, conversion, retirement of capital stock, net	$293,000	688
Net operating income	$454,000	6,321
2006-09-30 (YTD Data)		Rank
Total interest income	$6,314,000	4,032
Total interest expense	$2,914,000	3,586
Net interest income	$3,400,000	4,350
Provision for loan and lease losses	$157,000	3,335
Total noninterest income	$630,000	3,944
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$410,000	2,899
Trading account gains and fees	$0	126
Additional Noninterest Income	$220,000	4,334
Total noninterest expense	$3,490,000	3,542
Salaries and employee benefits	$2,013,000	3,433
Premises and equipment expense	$477,000	3,604
Additional noninterest expense	$1,000,000	3,606
Pre-tax net operating income	$383,000	6,676
Securities gains (losses)	$-53,000	8,199
Applicable income taxes	$0	6,687
Income before extraordinary items	$330,000	6,567
Extraordinary gains, net	$0	45
Net income	$330,000	6,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$182,000	4,271
Sale, conversion, retirement of capital stock, net	$45,000	829
Net operating income	$383,000	6,330
2006-06-30 (YTD Data)		Rank
Total interest income	$4,053,000	4,085
Total interest expense	$1,780,000	3,681
Net interest income	$2,273,000	4,342
Provision for loan and lease losses	$157,000	2,511
Total noninterest income	$347,000	4,375
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$222,000	3,316
Trading account gains and fees	$0	126
Additional Noninterest Income	$125,000	4,665
Total noninterest expense	$2,251,000	3,641
Salaries and employee benefits	$1,328,000	3,468
Premises and equipment expense	$310,000	3,675
Additional noninterest expense	$613,000	3,844
Pre-tax net operating income	$212,000	7,005
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$212,000	6,666
Extraordinary gains, net	$0	39
Net income	$212,000	6,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,553
Cash dividends	$122,000	4,186
Sale, conversion, retirement of capital stock, net	$1,000	869
Net operating income	$212,000	6,672
2006-03-31 (YTD Data)		Rank
Total interest income	$1,964,000	4,139
Total interest expense	$809,000	3,790
Net interest income	$1,155,000	4,267
Provision for loan and lease losses	$57,000	2,978
Total noninterest income	$187,000	4,120
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$137,000	2,792
Trading account gains and fees	$0	115
Additional Noninterest Income	$50,000	5,119
Total noninterest expense	$1,143,000	3,613
Salaries and employee benefits	$638,000	3,597
Premises and equipment expense	$165,000	3,494
Additional noninterest expense	$340,000	3,523
Pre-tax net operating income	$142,000	6,518
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$142,000	6,078
Extraordinary gains, net	$0	21
Net income	$142,000	6,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,443
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$142,000	6,075
2005-12-31 (YTD Data)		Rank
Total interest income	$5,625,000	4,786
Total interest expense	$1,958,000	4,494
Net interest income	$3,667,000	4,886
Provision for loan and lease losses	$350,000	2,522
Total noninterest income	$402,000	5,711
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$201,000	5,024
Trading account gains and fees	$0	138
Additional Noninterest Income	$201,000	5,145
Total noninterest expense	$3,368,000	4,425
Salaries and employee benefits	$1,825,000	4,431
Premises and equipment expense	$445,000	4,530
Additional noninterest expense	$1,098,000	4,114
Pre-tax net operating income	$351,000	7,222
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$351,000	6,973
Extraordinary gains, net	$0	46
Net income	$351,000	6,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,152
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$351,000	6,958
2005-09-30 (YTD Data)		Rank
Total interest income	$3,894,000	5,008
Total interest expense	$1,327,000	4,650
Net interest income	$2,567,000	5,100
Provision for loan and lease losses	$277,000	2,338
Total noninterest income	$181,000	6,775
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$33,000	7,220
Trading account gains and fees	$0	126
Additional Noninterest Income	$148,000	5,207
Total noninterest expense	$2,268,000	4,712
Salaries and employee benefits	$1,291,000	4,599
Premises and equipment expense	$314,000	4,681
Additional noninterest expense	$663,000	4,792
Pre-tax net operating income	$203,000	7,615
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$203,000	7,425
Extraordinary gains, net	$0	35
Net income	$203,000	7,426
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,608
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$203,000	7,394
2005-06-30 (YTD Data)		Rank
Total interest income	$2,371,000	5,227
Total interest expense	$764,000	4,907
Net interest income	$1,607,000	5,276
Provision for loan and lease losses	$241,000	1,834
Total noninterest income	$135,000	6,549
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$20,000	7,275
Trading account gains and fees	$0	116
Additional Noninterest Income	$115,000	4,902
Total noninterest expense	$1,417,000	4,928
Salaries and employee benefits	$795,000	4,828
Premises and equipment expense	$223,000	4,459
Additional noninterest expense	$399,000	5,097
Pre-tax net operating income	$84,000	7,934
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$84,000	7,854
Extraordinary gains, net	$0	30
Net income	$84,000	7,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,009
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$84,000	7,816
2005-03-31 (YTD Data)		Rank
Total interest income	$1,079,000	5,506
Total interest expense	$333,000	5,198
Net interest income	$746,000	5,543
Provision for loan and lease losses	$134,000	1,614
Total noninterest income	$63,000	6,658
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$10,000	7,294
Trading account gains and fees	$0	115
Additional Noninterest Income	$53,000	5,055
Total noninterest expense	$659,000	5,208
Salaries and employee benefits	$372,000	5,075
Premises and equipment expense	$109,000	4,578
Additional noninterest expense	$178,000	5,446
Pre-tax net operating income	$16,000	8,294
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$16,000	8,279
Extraordinary gains, net	$0	24
Net income	$16,000	8,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,232
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$16,000	8,252
2004-12-31 (YTD Data)		Rank
Total interest income	$2,866,000	6,565
Total interest expense	$702,000	6,594
Net interest income	$2,164,000	6,415
Provision for loan and lease losses	$360,000	2,548
Total noninterest income	$180,000	7,329
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$35,000	7,494
Trading account gains and fees	$0	138
Additional Noninterest Income	$145,000	5,763
Total noninterest expense	$1,968,000	6,051
Salaries and employee benefits	$1,043,000	6,147
Premises and equipment expense	$344,000	5,281
Additional noninterest expense	$581,000	6,098
Pre-tax net operating income	$16,000	8,345
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$16,000	8,391
Extraordinary gains, net	$0	34
Net income	$16,000	8,392
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	$0	872
Net operating income	$16,000	8,355
2004-09-30 (YTD Data)		Rank
Total interest income	$1,917,000	6,861
Total interest expense	$437,000	7,017
Net interest income	$1,480,000	6,662
Provision for loan and lease losses	$250,000	2,570
Total noninterest income	$119,000	7,568
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$25,000	7,565
Trading account gains and fees	$0	134
Additional Noninterest Income	$94,000	6,030
Total noninterest expense	$1,378,000	6,252
Salaries and employee benefits	$720,000	6,385
Premises and equipment expense	$250,000	5,344
Additional noninterest expense	$408,000	6,248
Pre-tax net operating income	$-29,000	8,525
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-29,000	8,551
Extraordinary gains, net	$0	26
Net income	$-29,000	8,554
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	$0	738
Net operating income	$-29,000	8,524
2004-06-30 (YTD Data)		Rank
Total interest income	$1,115,000	7,214
Total interest expense	$254,000	7,359
Net interest income	$861,000	7,059
Provision for loan and lease losses	$153,000	2,669
Total noninterest income	$80,000	7,595
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$16,000	7,629
Trading account gains and fees	$0	130
Additional Noninterest Income	$64,000	6,013
Total noninterest expense	$880,000	6,431
Salaries and employee benefits	$470,000	6,493
Premises and equipment expense	$167,000	5,367
Additional noninterest expense	$243,000	6,622
Pre-tax net operating income	$-92,000	8,683
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-92,000	8,714
Extraordinary gains, net	$0	21
Net income	$-92,000	8,716
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	$0	638
Net operating income	$-92,000	8,686
2004-03-31 (YTD Data)		Rank
Total interest income	$497,000	7,508
Total interest expense	$109,000	7,695
Net interest income	$388,000	7,333
Provision for loan and lease losses	$36,000	3,870
Total noninterest income	$34,000	7,816
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$28,000	6,308
Trading account gains and fees	$0	121
Additional Noninterest Income	$6,000	8,203
Total noninterest expense	$385,000	6,865
Salaries and employee benefits	$211,000	6,843
Premises and equipment expense	$79,000	5,553
Additional noninterest expense	$95,000	7,267
Pre-tax net operating income	$1,000	8,530
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$1,000	8,573
Extraordinary gains, net	$0	16
Net income	$1,000	8,575
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	$1,000	8,518
2003-12-31 (YTD Data)		Rank
Total interest income	$754,000	8,783
Total interest expense	$190,000	8,773
Net interest income	$564,000	8,742
Provision for loan and lease losses	$278,000	3,347
Total noninterest income	$54,000	8,761
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$39,000	7,599
Trading account gains and fees	$0	160
Additional Noninterest Income	$15,000	8,598
Total noninterest expense	$1,787,000	6,369
Salaries and employee benefits	$847,000	6,757
Premises and equipment expense	$335,000	5,317
Additional noninterest expense	$605,000	5,966
Pre-tax net operating income	$-1,447,000	9,038
Securities gains (losses)	$-23,000	8,882
Applicable income taxes	$0	7,459
Income before extraordinary items	$-1,470,000	9,087
Extraordinary gains, net	$0	54
Net income	$-1,470,000	9,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$12,129,000	59
Net operating income	$-1,447,000	9,046
2003-09-30 (YTD Data)		Rank
Total interest income	$368,000	9,038
Total interest expense	$115,000	8,951
Net interest income	$253,000	9,047
Provision for loan and lease losses	$170,000	3,682
Total noninterest income	$35,000	8,890
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$25,000	7,738
Trading account gains and fees	$0	153
Additional Noninterest Income	$10,000	8,693
Total noninterest expense	$1,340,000	6,341
Salaries and employee benefits	$626,000	6,801
Premises and equipment expense	$256,000	5,253
Additional noninterest expense	$458,000	5,920
Pre-tax net operating income	$-1,222,000	9,110
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-1,222,000	9,153
Extraordinary gains, net	$0	40
Net income	$-1,222,000	9,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$12,151,000	41
Net operating income	$-1,222,000	9,110
2003-06-30 (YTD Data)		Rank
Total interest income	$162,000	9,162
Total interest expense	$57,000	9,065
Net interest income	$105,000	9,163
Provision for loan and lease losses	$91,000	4,011
Total noninterest income	$13,000	9,080
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$8,000	7,962
Trading account gains and fees	$0	150
Additional Noninterest Income	$5,000	8,823
Total noninterest expense	$974,000	6,065
Salaries and employee benefits	$452,000	6,590
Premises and equipment expense	$182,000	5,012
Additional noninterest expense	$340,000	5,569
Pre-tax net operating income	$-947,000	9,149
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-947,000	9,202
Extraordinary gains, net	$0	30
Net income	$-947,000	9,202
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$11,075,000	37
Net operating income	$-947,000	9,155
2003-03-31 (YTD Data)		Rank
Total interest income	$36,000	9,263
Total interest expense	$15,000	9,198
Net interest income	$21,000	9,266
Provision for loan and lease losses	$14,000	5,838
Total noninterest income	$2,000	9,206
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$0	8,142
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,000	8,884
Total noninterest expense	$635,000	5,154
Salaries and employee benefits	$272,000	5,952
Premises and equipment expense	$115,000	4,305
Additional noninterest expense	$248,000	4,243
Pre-tax net operating income	$-626,000	9,231
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-626,000	9,264
Extraordinary gains, net	$0	21
Net income	$-626,000	9,261
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	$9,400,000	20
Net operating income	$-626,000	9,227

* 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.