Home > The PrivateBank > Income and Expense
The PrivateBank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,477,000 | 1,394 |
| Total interest expense | $2,955,000 | 1,161 |
| Net interest income | $3,522,000 | 1,586 |
| Provision for loan and lease losses | $-1,203,000 | 8,242 |
| Total noninterest income | $131,000 | 4,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $131,000 | 3,195 |
| Total noninterest expense | $3,937,000 | 1,274 |
| Salaries and employee benefits | $2,125,000 | 1,208 |
| Premises and equipment expense | $615,000 | 1,171 |
| Additional noninterest expense | $1,197,000 | 1,359 |
| Pre-tax net operating income | $919,000 | 1,405 |
| Securities gains (losses) | $1,702,000 | 131 |
| Applicable income taxes | $980,000 | 354 |
| Income before extraordinary items | $1,641,000 | 607 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,641,000 | 608 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,641,000 | 610 |
| Net charge-offs | $-855,000 | 8,243 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $551,720 | 1,835 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,701,000 | 1,401 |
| Total interest expense | $14,271,000 | 1,138 |
| Net interest income | $13,430,000 | 1,653 |
| Provision for loan and lease losses | $19,330,000 | 377 |
| Total noninterest income | $57,000 | 7,688 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $57,000 | 6,626 |
| Total noninterest expense | $14,246,000 | 1,376 |
| Salaries and employee benefits | $7,249,000 | 1,410 |
| Premises and equipment expense | $2,450,000 | 1,133 |
| Additional noninterest expense | $4,547,000 | 1,370 |
| Pre-tax net operating income | $-20,089,000 | 8,100 |
| Securities gains (losses) | $2,487,000 | 109 |
| Applicable income taxes | $-7,015,000 | 8,153 |
| Income before extraordinary items | $-10,587,000 | 8,008 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-10,587,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,907,000 | 278 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-12,178,680 | 8,058 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,801,000 | 1,431 |
| Total interest expense | $10,899,000 | 1,161 |
| Net interest income | $9,902,000 | 1,694 |
| Provision for loan and lease losses | $4,428,000 | 700 |
| Total noninterest income | $279,000 | 5,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $279,000 | 3,802 |
| Total noninterest expense | $10,290,000 | 1,404 |
| Salaries and employee benefits | $5,531,000 | 1,404 |
| Premises and equipment expense | $1,811,000 | 1,146 |
| Additional noninterest expense | $2,948,000 | 1,513 |
| Pre-tax net operating income | $-4,537,000 | 8,107 |
| Securities gains (losses) | $1,950,000 | 115 |
| Applicable income taxes | $-1,196,000 | 8,095 |
| Income before extraordinary items | $-1,391,000 | 7,667 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,391,000 | 7,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,446,000 | 584 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,639,000 | 8,025 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,784,000 | 1,463 |
| Total interest expense | $7,513,000 | 1,164 |
| Net interest income | $6,271,000 | 1,784 |
| Provision for loan and lease losses | $4,239,000 | 487 |
| Total noninterest income | $174,000 | 5,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $174,000 | 4,039 |
| Total noninterest expense | $7,429,000 | 1,289 |
| Salaries and employee benefits | $4,034,000 | 1,287 |
| Premises and equipment expense | $1,251,000 | 1,108 |
| Additional noninterest expense | $2,144,000 | 1,374 |
| Pre-tax net operating income | $-5,223,000 | 8,298 |
| Securities gains (losses) | $1,610,000 | 136 |
| Applicable income taxes | $-1,514,000 | 8,307 |
| Income before extraordinary items | $-2,099,000 | 8,223 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,099,000 | 8,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,510,000 | 483 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-3,129,400 | 8,265 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,043,000 | 1,468 |
| Total interest expense | $3,968,000 | 1,176 |
| Net interest income | $3,075,000 | 1,817 |
| Provision for loan and lease losses | $1,141,000 | 570 |
| Total noninterest income | $76,000 | 5,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $76,000 | 4,301 |
| Total noninterest expense | $3,883,000 | 1,244 |
| Salaries and employee benefits | $2,131,000 | 1,212 |
| Premises and equipment expense | $633,000 | 1,107 |
| Additional noninterest expense | $1,119,000 | 1,281 |
| Pre-tax net operating income | $-1,873,000 | 8,362 |
| Securities gains (losses) | $1,094,000 | 142 |
| Applicable income taxes | $-374,000 | 8,332 |
| Income before extraordinary items | $-405,000 | 8,083 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-405,000 | 8,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $827,000 | 517 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,105,160 | 8,313 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,741,000 | 1,447 |
| Total interest expense | $17,204,000 | 1,147 |
| Net interest income | $12,537,000 | 1,802 |
| Provision for loan and lease losses | $4,305,000 | 470 |
| Total noninterest income | $-2,000 | 8,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-2,000 | 8,441 |
| Total noninterest expense | $11,841,000 | 1,551 |
| Salaries and employee benefits | $6,672,000 | 1,517 |
| Premises and equipment expense | $2,038,000 | 1,308 |
| Additional noninterest expense | $3,131,000 | 1,766 |
| Pre-tax net operating income | $-3,611,000 | 8,403 |
| Securities gains (losses) | $1,929,000 | 118 |
| Applicable income taxes | $-954,000 | 8,399 |
| Income before extraordinary items | $-728,000 | 8,007 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-728,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,846,000 | 379 |
| Cash dividends | $5,500,000 | 682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,962,560 | 8,303 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,471,000 | 1,446 |
| Total interest expense | $12,928,000 | 1,139 |
| Net interest income | $9,543,000 | 1,785 |
| Provision for loan and lease losses | $2,234,000 | 472 |
| Total noninterest income | $132,000 | 6,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $132,000 | 5,317 |
| Total noninterest expense | $8,130,000 | 1,691 |
| Salaries and employee benefits | $5,000,000 | 1,509 |
| Premises and equipment expense | $1,323,000 | 1,502 |
| Additional noninterest expense | $1,807,000 | 2,207 |
| Pre-tax net operating income | $-689,000 | 8,181 |
| Securities gains (losses) | $1,497,000 | 119 |
| Applicable income taxes | $18,000 | 5,533 |
| Income before extraordinary items | $790,000 | 4,379 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $790,000 | 4,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,843,000 | 429 |
| Cash dividends | $5,500,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-677,060 | 8,209 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,847,000 | 1,463 |
| Total interest expense | $8,483,000 | 1,172 |
| Net interest income | $6,364,000 | 1,801 |
| Provision for loan and lease losses | $2,252,000 | 298 |
| Total noninterest income | $49,000 | 7,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $49,000 | 6,304 |
| Total noninterest expense | $5,205,000 | 1,781 |
| Salaries and employee benefits | $3,212,000 | 1,598 |
| Premises and equipment expense | $820,000 | 1,633 |
| Additional noninterest expense | $1,173,000 | 2,264 |
| Pre-tax net operating income | $-1,044,000 | 8,466 |
| Securities gains (losses) | $964,000 | 119 |
| Applicable income taxes | $-240,000 | 8,479 |
| Income before extraordinary items | $160,000 | 6,662 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $160,000 | 6,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,372,000 | 360 |
| Cash dividends | $5,500,000 | 384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-456,960 | 8,300 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,361,000 | 1,474 |
| Total interest expense | $4,173,000 | 1,176 |
| Net interest income | $3,188,000 | 1,806 |
| Provision for loan and lease losses | $584,000 | 476 |
| Total noninterest income | $100,000 | 5,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $100,000 | 3,771 |
| Total noninterest expense | $2,719,000 | 1,710 |
| Salaries and employee benefits | $1,741,000 | 1,489 |
| Premises and equipment expense | $409,000 | 1,639 |
| Additional noninterest expense | $569,000 | 2,299 |
| Pre-tax net operating income | $-15,000 | 7,926 |
| Securities gains (losses) | $559,000 | 107 |
| Applicable income taxes | $113,000 | 3,106 |
| Income before extraordinary items | $431,000 | 3,327 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $431,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 571 |
| Cash dividends | $5,500,000 | 227 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-10,610 | 7,902 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $32,493,000 | 1,209 |
| Total interest expense | $16,983,000 | 984 |
| Net interest income | $15,510,000 | 1,470 |
| Provision for loan and lease losses | $1,913,000 | 583 |
| Total noninterest income | $1,077,000 | 3,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,077,000 | 2,108 |
| Total noninterest expense | $10,438,000 | 1,702 |
| Salaries and employee benefits | $6,160,000 | 1,598 |
| Premises and equipment expense | $2,079,000 | 1,243 |
| Additional noninterest expense | $2,199,000 | 2,360 |
| Pre-tax net operating income | $4,236,000 | 2,159 |
| Securities gains (losses) | $748,000 | 204 |
| Applicable income taxes | $1,577,000 | 1,581 |
| Income before extraordinary items | $3,407,000 | 2,060 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,407,000 | 2,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $926,000 | 736 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,898,360 | 2,313 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,550,000 | 1,245 |
| Total interest expense | $12,058,000 | 1,011 |
| Net interest income | $11,492,000 | 1,507 |
| Provision for loan and lease losses | $2,031,000 | 397 |
| Total noninterest income | $1,073,000 | 2,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,073,000 | 1,736 |
| Total noninterest expense | $7,404,000 | 1,796 |
| Salaries and employee benefits | $4,385,000 | 1,682 |
| Premises and equipment expense | $1,506,000 | 1,292 |
| Additional noninterest expense | $1,513,000 | 2,539 |
| Pre-tax net operating income | $3,130,000 | 2,261 |
| Securities gains (losses) | $368,000 | 243 |
| Applicable income taxes | $1,073,000 | 1,791 |
| Income before extraordinary items | $2,425,000 | 2,197 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,425,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $926,000 | 495 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,171,080 | 2,406 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,994,000 | 1,287 |
| Total interest expense | $7,488,000 | 1,020 |
| Net interest income | $7,506,000 | 1,534 |
| Provision for loan and lease losses | $1,836,000 | 292 |
| Total noninterest income | $952,000 | 2,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $952,000 | 1,401 |
| Total noninterest expense | $4,699,000 | 1,887 |
| Salaries and employee benefits | $2,845,000 | 1,721 |
| Premises and equipment expense | $936,000 | 1,377 |
| Additional noninterest expense | $918,000 | 2,769 |
| Pre-tax net operating income | $1,923,000 | 2,390 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $544,000 | 2,189 |
| Income before extraordinary items | $1,379,000 | 2,501 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,379,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $739,000 | 424 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,379,000 | 2,484 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,987,000 | 1,350 |
| Total interest expense | $3,514,000 | 1,032 |
| Net interest income | $3,473,000 | 1,660 |
| Provision for loan and lease losses | $1,021,000 | 259 |
| Total noninterest income | $410,000 | 2,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $410,000 | 1,547 |
| Total noninterest expense | $2,283,000 | 1,949 |
| Salaries and employee benefits | $1,382,000 | 1,779 |
| Premises and equipment expense | $464,000 | 1,401 |
| Additional noninterest expense | $437,000 | 2,880 |
| Pre-tax net operating income | $579,000 | 3,389 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $145,000 | 3,084 |
| Income before extraordinary items | $434,000 | 3,492 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $434,000 | 3,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 758 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $434,000 | 3,470 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $20,218,000 | 1,666 |
| Total interest expense | $8,806,000 | 1,286 |
| Net interest income | $11,412,000 | 1,947 |
| Provision for loan and lease losses | $2,116,000 | 517 |
| Total noninterest income | $940,000 | 3,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $940,000 | 2,304 |
| Total noninterest expense | $8,206,000 | 2,034 |
| Salaries and employee benefits | $4,852,000 | 1,910 |
| Premises and equipment expense | $1,615,000 | 1,510 |
| Additional noninterest expense | $1,739,000 | 2,843 |
| Pre-tax net operating income | $2,030,000 | 3,651 |
| Securities gains (losses) | $1,217,000 | 176 |
| Applicable income taxes | $985,000 | 2,287 |
| Income before extraordinary items | $2,262,000 | 2,782 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,262,000 | 2,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,216 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,410,100 | 3,907 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,975,000 | 1,758 |
| Total interest expense | $5,905,000 | 1,364 |
| Net interest income | $8,070,000 | 2,044 |
| Provision for loan and lease losses | $1,408,000 | 545 |
| Total noninterest income | $452,000 | 4,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $452,000 | 3,059 |
| Total noninterest expense | $5,784,000 | 2,139 |
| Salaries and employee benefits | $3,538,000 | 1,933 |
| Premises and equipment expense | $1,089,000 | 1,677 |
| Additional noninterest expense | $1,157,000 | 3,128 |
| Pre-tax net operating income | $1,330,000 | 4,061 |
| Securities gains (losses) | $1,241,000 | 165 |
| Applicable income taxes | $744,000 | 2,312 |
| Income before extraordinary items | $1,827,000 | 2,663 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,827,000 | 2,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,301 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $945,890 | 4,270 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,437,000 | 1,895 |
| Total interest expense | $3,500,000 | 1,436 |
| Net interest income | $4,937,000 | 2,192 |
| Provision for loan and lease losses | $1,020,000 | 496 |
| Total noninterest income | $339,000 | 4,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $339,000 | 2,837 |
| Total noninterest expense | $3,740,000 | 2,194 |
| Salaries and employee benefits | $2,297,000 | 1,968 |
| Premises and equipment expense | $748,000 | 1,611 |
| Additional noninterest expense | $695,000 | 3,382 |
| Pre-tax net operating income | $516,000 | 5,412 |
| Securities gains (losses) | $803,000 | 174 |
| Applicable income taxes | $336,000 | 2,898 |
| Income before extraordinary items | $983,000 | 3,135 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $983,000 | 3,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 931 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $380,750 | 5,520 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,834,000 | 2,024 |
| Total interest expense | $1,519,000 | 1,572 |
| Net interest income | $2,315,000 | 2,321 |
| Provision for loan and lease losses | $241,000 | 952 |
| Total noninterest income | $232,000 | 3,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $232,000 | 2,265 |
| Total noninterest expense | $1,830,000 | 2,268 |
| Salaries and employee benefits | $1,173,000 | 1,950 |
| Premises and equipment expense | $322,000 | 1,871 |
| Additional noninterest expense | $335,000 | 3,479 |
| Pre-tax net operating income | $476,000 | 3,807 |
| Securities gains (losses) | $395,000 | 169 |
| Applicable income taxes | $250,000 | 2,273 |
| Income before extraordinary items | $621,000 | 2,545 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $621,000 | 2,546 |
| 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 | $0 | 491 |
| Net operating income | $340,550 | 3,986 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,227,000 | 2,546 |
| Total interest expense | $3,674,000 | 2,203 |
| Net interest income | $7,553,000 | 2,674 |
| Provision for loan and lease losses | $494,000 | 1,984 |
| Total noninterest income | $1,223,000 | 3,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,223,000 | 1,881 |
| Total noninterest expense | $5,578,000 | 2,830 |
| Salaries and employee benefits | $3,496,000 | 2,488 |
| Premises and equipment expense | $962,000 | 2,374 |
| Additional noninterest expense | $1,120,000 | 3,966 |
| Pre-tax net operating income | $2,704,000 | 2,810 |
| Securities gains (losses) | $1,230,000 | 249 |
| Applicable income taxes | $1,112,000 | 2,007 |
| Income before extraordinary items | $2,822,000 | 2,192 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,822,000 | 2,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,579 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,936,400 | 2,939 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,875,000 | 2,676 |
| Total interest expense | $2,467,000 | 2,387 |
| Net interest income | $5,408,000 | 2,779 |
| Provision for loan and lease losses | $189,000 | 3,097 |
| Total noninterest income | $793,000 | 3,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $793,000 | 2,084 |
| Total noninterest expense | $4,007,000 | 2,907 |
| Salaries and employee benefits | $2,501,000 | 2,572 |
| Premises and equipment expense | $708,000 | 2,400 |
| Additional noninterest expense | $798,000 | 4,094 |
| Pre-tax net operating income | $2,005,000 | 2,874 |
| Securities gains (losses) | $947,000 | 282 |
| Applicable income taxes | $916,000 | 1,918 |
| Income before extraordinary items | $2,036,000 | 2,284 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,036,000 | 2,286 |
| 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 | $1,382,570 | 3,101 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,881,000 | 2,845 |
| Total interest expense | $1,483,000 | 2,597 |
| Net interest income | $3,398,000 | 2,940 |
| Provision for loan and lease losses | $241,000 | 1,883 |
| Total noninterest income | $496,000 | 3,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $496,000 | 2,201 |
| Total noninterest expense | $2,721,000 | 2,869 |
| Salaries and employee benefits | $1,702,000 | 2,526 |
| Premises and equipment expense | $453,000 | 2,487 |
| Additional noninterest expense | $566,000 | 3,919 |
| Pre-tax net operating income | $932,000 | 3,705 |
| Securities gains (losses) | $756,000 | 267 |
| Applicable income taxes | $539,000 | 2,082 |
| Income before extraordinary items | $1,149,000 | 2,623 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,149,000 | 2,624 |
| 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 | $634,920 | 4,008 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,323,000 | 2,992 |
| Total interest expense | $702,000 | 2,747 |
| Net interest income | $1,621,000 | 3,055 |
| Provision for loan and lease losses | $133,000 | 1,692 |
| Total noninterest income | $221,000 | 3,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $221,000 | 2,308 |
| Total noninterest expense | $1,240,000 | 3,124 |
| Salaries and employee benefits | $808,000 | 2,658 |
| Premises and equipment expense | $201,000 | 2,796 |
| Additional noninterest expense | $231,000 | 4,582 |
| Pre-tax net operating income | $469,000 | 3,684 |
| Securities gains (losses) | $342,000 | 340 |
| Applicable income taxes | $268,000 | 2,092 |
| Income before extraordinary items | $543,000 | 2,739 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $543,000 | 2,739 |
| 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 | $313,860 | 4,024 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,201,000 | 3,367 |
| Total interest expense | $2,861,000 | 2,987 |
| Net interest income | $5,340,000 | 3,509 |
| Provision for loan and lease losses | $657,000 | 1,714 |
| Total noninterest income | $978,000 | 3,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $978,000 | 2,422 |
| Total noninterest expense | $5,492,000 | 2,816 |
| Salaries and employee benefits | $3,443,000 | 2,446 |
| Premises and equipment expense | $828,000 | 2,670 |
| Additional noninterest expense | $1,221,000 | 3,676 |
| Pre-tax net operating income | $169,000 | 7,930 |
| Securities gains (losses) | $2,576,000 | 248 |
| Applicable income taxes | $960,000 | 2,238 |
| Income before extraordinary items | $1,785,000 | 3,124 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,785,000 | 3,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,259 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $110,600 | 8,055 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,970,000 | 3,509 |
| Total interest expense | $2,165,000 | 3,070 |
| Net interest income | $3,805,000 | 3,661 |
| Provision for loan and lease losses | $490,000 | 1,695 |
| Total noninterest income | $677,000 | 4,017 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $677,000 | 2,622 |
| Total noninterest expense | $4,156,000 | 2,800 |
| Salaries and employee benefits | $2,576,000 | 2,454 |
| Premises and equipment expense | $613,000 | 2,723 |
| Additional noninterest expense | $967,000 | 3,489 |
| Pre-tax net operating income | $-164,000 | 8,798 |
| Securities gains (losses) | $2,338,000 | 250 |
| Applicable income taxes | $756,000 | 2,281 |
| Income before extraordinary items | $1,418,000 | 3,100 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,418,000 | 3,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,569 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-101,700 | 8,767 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 3,558 |
| Total interest expense | $1,481,000 | 3,086 |
| Net interest income | $2,467,000 | 3,744 |
| Provision for loan and lease losses | $366,000 | 1,519 |
| Total noninterest income | $440,000 | 4,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $440,000 | 2,644 |
| Total noninterest expense | $2,688,000 | 2,879 |
| Salaries and employee benefits | $1,615,000 | 2,602 |
| Premises and equipment expense | $408,000 | 2,716 |
| Additional noninterest expense | $665,000 | 3,387 |
| Pre-tax net operating income | $-147,000 | 8,877 |
| Securities gains (losses) | $1,417,000 | 287 |
| Applicable income taxes | $444,000 | 2,500 |
| Income before extraordinary items | $826,000 | 3,425 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $826,000 | 3,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,496 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-95,050 | 8,825 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 3,705 |
| Total interest expense | $722,000 | 3,228 |
| Net interest income | $1,156,000 | 3,937 |
| Provision for loan and lease losses | $164,000 | 1,594 |
| Total noninterest income | $192,000 | 4,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 2,784 |
| Total noninterest expense | $1,237,000 | 3,061 |
| Salaries and employee benefits | $764,000 | 2,721 |
| Premises and equipment expense | $199,000 | 2,770 |
| Additional noninterest expense | $274,000 | 3,932 |
| Pre-tax net operating income | $-53,000 | 8,898 |
| Securities gains (losses) | $657,000 | 288 |
| Applicable income taxes | $214,000 | 2,581 |
| Income before extraordinary items | $390,000 | 3,524 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $390,000 | 3,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-37,050 | 8,837 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,534,000 | 4,281 |
| Total interest expense | $2,576,000 | 4,005 |
| Net interest income | $3,958,000 | 4,381 |
| Provision for loan and lease losses | $545,000 | 2,239 |
| Total noninterest income | $600,000 | 4,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $600,000 | 2,960 |
| Total noninterest expense | $4,143,000 | 3,467 |
| Salaries and employee benefits | $2,475,000 | 3,153 |
| Premises and equipment expense | $875,000 | 2,475 |
| Additional noninterest expense | $793,000 | 4,951 |
| Pre-tax net operating income | $-130,000 | 8,787 |
| Securities gains (losses) | $1,447,000 | 340 |
| Applicable income taxes | $487,000 | 3,496 |
| Income before extraordinary items | $830,000 | 5,094 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $830,000 | 5,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,170 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-96,080 | 8,774 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,835,000 | 6,480 |
| Total interest expense | $2,002,000 | 6,091 |
| Net interest income | $1,833,000 | 6,736 |
| Provision for loan and lease losses | $532,000 | 2,106 |
| Total noninterest income | $440,000 | 5,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $440,000 | 3,356 |
| Total noninterest expense | $2,746,000 | 4,639 |
| Salaries and employee benefits | $1,522,000 | 4,461 |
| Premises and equipment expense | $756,000 | 2,773 |
| Additional noninterest expense | $468,000 | 6,664 |
| Pre-tax net operating income | $-1,005,000 | 9,358 |
| Securities gains (losses) | $252,000 | 1,017 |
| Applicable income taxes | $-242,000 | 9,393 |
| Income before extraordinary items | $-511,000 | 9,242 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-511,000 | 9,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-682,360 | 9,275 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $625,000 | 9,632 |
| Total interest expense | $221,000 | 9,632 |
| Net interest income | $404,000 | 9,574 |
| Provision for loan and lease losses | $277,000 | 3,024 |
| Total noninterest income | $32,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $1,426,000 | 6,939 |
| Salaries and employee benefits | $699,000 | 7,217 |
| Premises and equipment expense | $351,000 | 4,919 |
| Additional noninterest expense | $376,000 | 7,353 |
| Pre-tax net operating income | $-1,267,000 | 9,764 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-373,000 | 9,765 |
| Income before extraordinary items | $-894,000 | 9,704 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-894,000 | 9,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $8,000,000 | 97 |
| Net operating income | $-894,000 | 9,704 |
* 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.