Home > The Royal Palm Bank of Florida > Income and Expense
The Royal Palm Bank of Florida, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,463,000 | 5,660 |
| Total interest expense | $288,000 | 5,071 |
| Net interest income | $1,175,000 | 5,702 |
| Provision for loan and lease losses | $964,000 | 1,128 |
| Total noninterest income | $-818,000 | 7,210 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $28,000 | 6,232 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-846,000 | 7,195 |
| Total noninterest expense | $2,394,000 | 3,624 |
| Salaries and employee benefits | $1,281,000 | 3,543 |
| Premises and equipment expense | $370,000 | 2,944 |
| Additional noninterest expense | $743,000 | 3,839 |
| Pre-tax net operating income | $-3,001,000 | 7,142 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-3,001,000 | 7,149 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,001,000 | 7,148 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-3,001,000 | 7,149 |
| Net charge-offs | $925,000 | 1,204 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-3,001,000 | 7,146 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $746,000 | 5,660 |
| Total interest expense | $157,000 | 4,998 |
| Net interest income | $589,000 | 5,729 |
| Provision for loan and lease losses | $317,000 | 1,442 |
| Total noninterest income | $-51,000 | 7,175 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $15,000 | 6,165 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-66,000 | 7,123 |
| Total noninterest expense | $1,099,000 | 3,846 |
| Salaries and employee benefits | $505,000 | 4,183 |
| Premises and equipment expense | $181,000 | 3,020 |
| Additional noninterest expense | $413,000 | 3,565 |
| Pre-tax net operating income | $-878,000 | 7,142 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-878,000 | 7,157 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-878,000 | 7,155 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-878,000 | 7,157 |
| Net charge-offs | $495,000 | 1,102 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-878,000 | 7,145 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,826,000 | 5,247 |
| Total interest expense | $1,213,000 | 3,938 |
| Net interest income | $2,613,000 | 5,558 |
| Provision for loan and lease losses | $513,000 | 3,427 |
| Total noninterest income | $62,000 | 6,719 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $53,000 | 6,269 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $9,000 | 6,552 |
| Total noninterest expense | $5,178,000 | 3,438 |
| Salaries and employee benefits | $2,413,000 | 3,659 |
| Premises and equipment expense | $753,000 | 3,042 |
| Additional noninterest expense | $2,012,000 | 3,128 |
| Pre-tax net operating income | $-3,016,000 | 6,916 |
| Securities gains (losses) | $209,000 | 1,417 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-2,807,000 | 6,930 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,807,000 | 6,931 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,807,000 | 6,931 |
| Net charge-offs | $4,300,000 | 907 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,016,000 | 6,936 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,063,000 | 5,156 |
| Total interest expense | $1,002,000 | 3,830 |
| Net interest income | $2,061,000 | 5,487 |
| Provision for loan and lease losses | $713,000 | 2,419 |
| Total noninterest income | $-246,000 | 7,248 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $37,000 | 6,370 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-283,000 | 7,168 |
| Total noninterest expense | $4,051,000 | 3,342 |
| Salaries and employee benefits | $1,833,000 | 3,615 |
| Premises and equipment expense | $575,000 | 3,026 |
| Additional noninterest expense | $1,643,000 | 2,896 |
| Pre-tax net operating income | $-2,949,000 | 7,104 |
| Securities gains (losses) | $209,000 | 1,186 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,740,000 | 7,129 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,740,000 | 7,129 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,740,000 | 7,130 |
| Net charge-offs | $4,265,000 | 716 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,949,000 | 7,134 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 5,051 |
| Total interest expense | $719,000 | 3,745 |
| Net interest income | $1,442,000 | 5,418 |
| Provision for loan and lease losses | $563,000 | 2,175 |
| Total noninterest income | $-240,000 | 7,365 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $25,000 | 6,372 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-265,000 | 7,307 |
| Total noninterest expense | $2,897,000 | 3,189 |
| Salaries and employee benefits | $1,228,000 | 3,634 |
| Premises and equipment expense | $389,000 | 3,019 |
| Additional noninterest expense | $1,280,000 | 2,588 |
| Pre-tax net operating income | $-2,258,000 | 7,206 |
| Securities gains (losses) | $209,000 | 713 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,049,000 | 7,211 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,049,000 | 7,212 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,049,000 | 7,212 |
| Net charge-offs | $2,280,000 | 834 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,258,000 | 7,225 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,125,000 | 4,966 |
| Total interest expense | $380,000 | 3,719 |
| Net interest income | $745,000 | 5,364 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $-32,000 | 7,374 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $12,000 | 6,371 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-44,000 | 7,286 |
| Total noninterest expense | $1,580,000 | 2,967 |
| Salaries and employee benefits | $598,000 | 3,739 |
| Premises and equipment expense | $191,000 | 3,106 |
| Additional noninterest expense | $791,000 | 2,128 |
| Pre-tax net operating income | $-1,167,000 | 7,304 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,167,000 | 7,323 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,167,000 | 7,323 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,167,000 | 7,324 |
| Net charge-offs | $1,085,000 | 811 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,167,000 | 7,321 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,991,000 | 4,819 |
| Total interest expense | $1,993,000 | 3,581 |
| Net interest income | $2,998,000 | 5,356 |
| Provision for loan and lease losses | $8,385,000 | 775 |
| Total noninterest income | $-740,000 | 7,520 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $54,000 | 6,173 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-794,000 | 7,465 |
| Total noninterest expense | $6,017,000 | 3,098 |
| Salaries and employee benefits | $2,563,000 | 3,517 |
| Premises and equipment expense | $865,000 | 2,788 |
| Additional noninterest expense | $2,589,000 | 2,601 |
| Pre-tax net operating income | $-12,144,000 | 7,406 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $586,000 | 1,742 |
| Income before extraordinary items | $-12,730,000 | 7,442 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,730,000 | 7,442 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,730,000 | 7,442 |
| Net charge-offs | $6,483,000 | 832 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-12,730,000 | 7,429 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 4,819 |
| Total interest expense | $1,558,000 | 3,598 |
| Net interest income | $2,316,000 | 5,348 |
| Provision for loan and lease losses | $4,650,000 | 924 |
| Total noninterest income | $-404,000 | 7,624 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $44,000 | 6,182 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-448,000 | 7,560 |
| Total noninterest expense | $4,724,000 | 2,985 |
| Salaries and employee benefits | $1,929,000 | 3,540 |
| Premises and equipment expense | $682,000 | 2,716 |
| Additional noninterest expense | $2,113,000 | 2,370 |
| Pre-tax net operating income | $-7,462,000 | 7,488 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-985,000 | 7,492 |
| Income before extraordinary items | $-6,477,000 | 7,492 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,477,000 | 7,492 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,477,000 | 7,492 |
| Net charge-offs | $1,789,000 | 1,615 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-6,477,000 | 7,471 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,594,000 | 4,854 |
| Total interest expense | $1,089,000 | 3,572 |
| Net interest income | $1,505,000 | 5,436 |
| Provision for loan and lease losses | $3,600,000 | 823 |
| Total noninterest income | $37,000 | 7,081 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $31,000 | 6,151 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $6,000 | 7,011 |
| Total noninterest expense | $3,085,000 | 3,039 |
| Salaries and employee benefits | $1,292,000 | 3,553 |
| Premises and equipment expense | $460,000 | 2,704 |
| Additional noninterest expense | $1,333,000 | 2,480 |
| Pre-tax net operating income | $-5,143,000 | 7,556 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-943,000 | 7,605 |
| Income before extraordinary items | $-4,200,000 | 7,537 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,200,000 | 7,537 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,200,000 | 7,537 |
| Net charge-offs | $1,455,000 | 1,393 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,200,000 | 7,535 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 4,835 |
| Total interest expense | $570,000 | 3,569 |
| Net interest income | $764,000 | 5,428 |
| Provision for loan and lease losses | $1,450,000 | 914 |
| Total noninterest income | $20,000 | 7,107 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $15,000 | 6,220 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $5,000 | 6,997 |
| Total noninterest expense | $1,703,000 | 2,827 |
| Salaries and employee benefits | $654,000 | 3,571 |
| Premises and equipment expense | $218,000 | 2,918 |
| Additional noninterest expense | $831,000 | 2,044 |
| Pre-tax net operating income | $-2,369,000 | 7,644 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-610,000 | 7,730 |
| Income before extraordinary items | $-1,759,000 | 7,614 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,759,000 | 7,616 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,759,000 | 7,616 |
| Net charge-offs | $1,383,000 | 835 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,759,000 | 7,607 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,591,000 | 4,352 |
| Total interest expense | $3,590,000 | 2,987 |
| Net interest income | $3,001,000 | 5,383 |
| Provision for loan and lease losses | $14,278,000 | 632 |
| Total noninterest income | $-1,858,000 | 7,964 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $69,000 | 6,180 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,927,000 | 7,948 |
| Total noninterest expense | $32,512,000 | 646 |
| Salaries and employee benefits | $2,673,000 | 3,511 |
| Premises and equipment expense | $926,000 | 2,747 |
| Additional noninterest expense | $28,913,000 | 328 |
| Pre-tax net operating income | $-45,647,000 | 7,856 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-4,260,000 | 7,722 |
| Income before extraordinary items | $-41,387,000 | 7,853 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-41,387,000 | 7,852 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-41,387,000 | 7,852 |
| Net charge-offs | $13,755,000 | 531 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-41,387,000 | 7,857 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,080,000 | 4,323 |
| Total interest expense | $2,896,000 | 2,934 |
| Net interest income | $2,184,000 | 5,475 |
| Provision for loan and lease losses | $11,001,000 | 581 |
| Total noninterest income | $-1,410,000 | 8,058 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $48,000 | 6,312 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,458,000 | 8,043 |
| Total noninterest expense | $31,018,000 | 528 |
| Salaries and employee benefits | $2,008,000 | 3,529 |
| Premises and equipment expense | $688,000 | 2,808 |
| Additional noninterest expense | $28,322,000 | 273 |
| Pre-tax net operating income | $-41,245,000 | 7,962 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,995,000 | 7,720 |
| Income before extraordinary items | $-39,250,000 | 7,968 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-39,250,000 | 7,967 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-39,250,000 | 7,967 |
| Net charge-offs | $8,796,000 | 557 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-39,250,000 | 7,970 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,536,000 | 4,235 |
| Total interest expense | $2,039,000 | 2,919 |
| Net interest income | $1,497,000 | 5,412 |
| Provision for loan and lease losses | $7,418,000 | 562 |
| Total noninterest income | $-1,201,000 | 8,146 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $33,000 | 6,301 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,234,000 | 8,138 |
| Total noninterest expense | $29,620,000 | 391 |
| Salaries and employee benefits | $1,329,000 | 3,598 |
| Premises and equipment expense | $462,000 | 2,833 |
| Additional noninterest expense | $27,829,000 | 210 |
| Pre-tax net operating income | $-36,742,000 | 8,074 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-3,490,000 | 7,995 |
| Income before extraordinary items | $-33,252,000 | 8,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-33,252,000 | 8,084 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-33,252,000 | 8,085 |
| Net charge-offs | $2,867,000 | 887 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-33,252,000 | 8,082 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 4,015 |
| Total interest expense | $1,037,000 | 2,970 |
| Net interest income | $912,000 | 4,842 |
| Provision for loan and lease losses | $1,735,000 | 829 |
| Total noninterest income | $-39,000 | 8,126 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-56,000 | 8,091 |
| Total noninterest expense | $1,476,000 | 3,186 |
| Salaries and employee benefits | $663,000 | 3,629 |
| Premises and equipment expense | $230,000 | 2,880 |
| Additional noninterest expense | $583,000 | 2,628 |
| Pre-tax net operating income | $-2,338,000 | 7,873 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-837,000 | 7,965 |
| Income before extraordinary items | $-1,501,000 | 7,831 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,501,000 | 7,832 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,501,000 | 7,832 |
| Net charge-offs | $2,601,000 | 500 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,501,000 | 7,820 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,431,000 | 3,996 |
| Total interest expense | $4,714,000 | 3,127 |
| Net interest income | $3,717,000 | 4,804 |
| Provision for loan and lease losses | $8,469,000 | 672 |
| Total noninterest income | $-368,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $65,000 | 6,421 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-433,000 | 8,212 |
| Total noninterest expense | $5,624,000 | 3,259 |
| Salaries and employee benefits | $2,979,000 | 3,269 |
| Premises and equipment expense | $1,015,000 | 2,594 |
| Additional noninterest expense | $1,630,000 | 3,410 |
| Pre-tax net operating income | $-10,744,000 | 8,004 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-3,765,000 | 8,055 |
| Income before extraordinary items | $-6,979,000 | 7,909 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,979,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,743,000 | 857 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,979,000 | 7,944 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,525,000 | 3,956 |
| Total interest expense | $3,636,000 | 3,144 |
| Net interest income | $2,889,000 | 4,727 |
| Provision for loan and lease losses | $4,669,000 | 668 |
| Total noninterest income | $-416,000 | 8,333 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $50,000 | 6,441 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-466,000 | 8,336 |
| Total noninterest expense | $4,236,000 | 3,234 |
| Salaries and employee benefits | $2,375,000 | 3,126 |
| Premises and equipment expense | $736,000 | 2,682 |
| Additional noninterest expense | $1,125,000 | 3,536 |
| Pre-tax net operating income | $-6,432,000 | 8,171 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-2,430,000 | 8,210 |
| Income before extraordinary items | $-4,002,000 | 8,086 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,002,000 | 8,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $844,000 | 1,447 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,002,000 | 8,136 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 3,897 |
| Total interest expense | $2,462,000 | 3,227 |
| Net interest income | $2,071,000 | 4,492 |
| Provision for loan and lease losses | $2,850,000 | 624 |
| Total noninterest income | $-401,000 | 8,415 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $31,000 | 6,533 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-432,000 | 8,423 |
| Total noninterest expense | $2,842,000 | 3,226 |
| Salaries and employee benefits | $1,665,000 | 3,020 |
| Premises and equipment expense | $481,000 | 2,724 |
| Additional noninterest expense | $696,000 | 3,736 |
| Pre-tax net operating income | $-4,022,000 | 8,270 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,520,000 | 8,308 |
| Income before extraordinary items | $-2,502,000 | 8,249 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,502,000 | 8,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $547,000 | 1,239 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,502,000 | 8,244 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 3,852 |
| Total interest expense | $1,291,000 | 3,270 |
| Net interest income | $1,074,000 | 4,392 |
| Provision for loan and lease losses | $2,500,000 | 341 |
| Total noninterest income | $-448,000 | 8,466 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-465,000 | 8,479 |
| Total noninterest expense | $1,366,000 | 3,332 |
| Salaries and employee benefits | $791,000 | 3,201 |
| Premises and equipment expense | $235,000 | 2,800 |
| Additional noninterest expense | $340,000 | 3,745 |
| Pre-tax net operating income | $-3,240,000 | 8,407 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-1,223,000 | 8,409 |
| Income before extraordinary items | $-2,017,000 | 8,387 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,017,000 | 8,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,017,000 | 8,383 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,164,000 | 3,486 |
| Total interest expense | $5,493,000 | 3,220 |
| Net interest income | $5,671,000 | 3,652 |
| Provision for loan and lease losses | $275,000 | 3,345 |
| Total noninterest income | $186,000 | 6,842 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $57,000 | 6,638 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $129,000 | 5,824 |
| Total noninterest expense | $4,941,000 | 3,465 |
| Salaries and employee benefits | $2,504,000 | 3,710 |
| Premises and equipment expense | $943,000 | 2,696 |
| Additional noninterest expense | $1,494,000 | 3,428 |
| Pre-tax net operating income | $641,000 | 5,590 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $80,000 | 4,632 |
| Income before extraordinary items | $561,000 | 5,479 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $561,000 | 5,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $545,000 | 1,588 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $561,000 | 5,460 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,635,000 | 3,411 |
| Total interest expense | $4,196,000 | 3,187 |
| Net interest income | $4,439,000 | 3,548 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $142,000 | 6,860 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,661 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $99,000 | 5,819 |
| Total noninterest expense | $3,616,000 | 3,529 |
| Salaries and employee benefits | $1,938,000 | 3,616 |
| Premises and equipment expense | $667,000 | 2,815 |
| Additional noninterest expense | $1,011,000 | 3,668 |
| Pre-tax net operating income | $965,000 | 4,438 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $413,000 | 2,770 |
| Income before extraordinary items | $552,000 | 5,193 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $552,000 | 5,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $552,000 | 5,170 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,950,000 | 3,317 |
| Total interest expense | $2,890,000 | 3,092 |
| Net interest income | $3,060,000 | 3,477 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $93,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $26,000 | 6,785 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $67,000 | 5,821 |
| Total noninterest expense | $2,332,000 | 3,657 |
| Salaries and employee benefits | $1,333,000 | 3,565 |
| Premises and equipment expense | $439,000 | 2,870 |
| Additional noninterest expense | $560,000 | 4,220 |
| Pre-tax net operating income | $821,000 | 3,963 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $326,000 | 2,626 |
| Income before extraordinary items | $495,000 | 4,567 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $495,000 | 4,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $495,000 | 4,563 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,059,000 | 3,226 |
| Total interest expense | $1,501,000 | 2,988 |
| Net interest income | $1,558,000 | 3,442 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $36,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $11,000 | 6,918 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $25,000 | 6,275 |
| Total noninterest expense | $1,096,000 | 3,844 |
| Salaries and employee benefits | $639,000 | 3,712 |
| Premises and equipment expense | $203,000 | 3,072 |
| Additional noninterest expense | $254,000 | 4,485 |
| Pre-tax net operating income | $498,000 | 3,539 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $204,000 | 2,373 |
| Income before extraordinary items | $294,000 | 4,217 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $294,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $294,000 | 4,197 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 7,723 |
| Total interest expense | $864,000 | 7,196 |
| Net interest income | $904,000 | 7,975 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $23,000 | 8,392 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $7,000 | 7,474 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 8,092 |
| Total noninterest expense | $636,000 | 8,272 |
| Salaries and employee benefits | $368,000 | 8,223 |
| Premises and equipment expense | $118,000 | 7,614 |
| Additional noninterest expense | $150,000 | 8,367 |
| Pre-tax net operating income | $291,000 | 7,136 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $144,000 | 4,648 |
| Income before extraordinary items | $147,000 | 7,500 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $147,000 | 7,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $147,000 | 7,493 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,531,000 | 3,215 |
| Total interest expense | $3,850,000 | 2,872 |
| Net interest income | $4,681,000 | 3,438 |
| Provision for loan and lease losses | $429,000 | 1,605 |
| Total noninterest income | $235,000 | 6,153 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $32,000 | 7,084 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $203,000 | 4,511 |
| Total noninterest expense | $3,051,000 | 3,932 |
| Salaries and employee benefits | $1,796,000 | 3,736 |
| Premises and equipment expense | $519,000 | 3,366 |
| Additional noninterest expense | $736,000 | 4,550 |
| Pre-tax net operating income | $1,436,000 | 3,884 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $529,000 | 2,783 |
| Income before extraordinary items | $907,000 | 4,397 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $907,000 | 4,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $907,000 | 4,390 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,565,000 | 3,234 |
| Total interest expense | $2,424,000 | 2,889 |
| Net interest income | $3,141,000 | 3,438 |
| Provision for loan and lease losses | $429,000 | 1,115 |
| Total noninterest income | $199,000 | 5,656 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $21,000 | 7,132 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 3,960 |
| Total noninterest expense | $2,052,000 | 3,939 |
| Salaries and employee benefits | $1,200,000 | 3,743 |
| Premises and equipment expense | $343,000 | 3,385 |
| Additional noninterest expense | $509,000 | 4,435 |
| Pre-tax net operating income | $859,000 | 4,157 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $316,000 | 2,969 |
| Income before extraordinary items | $543,000 | 4,682 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $543,000 | 4,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $543,000 | 4,676 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,685,000 | 3,259 |
| Total interest expense | $1,152,000 | 2,899 |
| Net interest income | $1,533,000 | 3,484 |
| Provision for loan and lease losses | $418,000 | 593 |
| Total noninterest income | $36,000 | 7,439 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $1,015,000 | 3,981 |
| Salaries and employee benefits | $586,000 | 3,834 |
| Premises and equipment expense | $174,000 | 3,356 |
| Additional noninterest expense | $255,000 | 4,409 |
| Pre-tax net operating income | $136,000 | 6,604 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $59,000 | 4,298 |
| Income before extraordinary items | $77,000 | 7,081 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $77,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $77,000 | 7,088 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,545,000 | 3,931 |
| Total interest expense | $2,759,000 | 3,558 |
| Net interest income | $4,786,000 | 4,086 |
| Provision for loan and lease losses | $530,000 | 1,805 |
| Total noninterest income | $118,000 | 7,773 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $36,000 | 7,288 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $82,000 | 6,710 |
| Total noninterest expense | $3,118,000 | 4,647 |
| Salaries and employee benefits | $1,768,000 | 4,533 |
| Premises and equipment expense | $568,000 | 3,824 |
| Additional noninterest expense | $782,000 | 5,242 |
| Pre-tax net operating income | $1,256,000 | 4,810 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $461,000 | 3,495 |
| Income before extraordinary items | $795,000 | 5,361 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $795,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $4,999,000 | 307 |
| Net operating income | $795,000 | 5,339 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,068,000 | 4,203 |
| Total interest expense | $1,737,000 | 3,903 |
| Net interest income | $3,331,000 | 4,309 |
| Provision for loan and lease losses | $350,000 | 1,932 |
| Total noninterest income | $97,000 | 7,713 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 7,351 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $71,000 | 6,499 |
| Total noninterest expense | $2,217,000 | 4,785 |
| Salaries and employee benefits | $1,223,000 | 4,771 |
| Premises and equipment expense | $424,000 | 3,804 |
| Additional noninterest expense | $570,000 | 5,274 |
| Pre-tax net operating income | $861,000 | 5,134 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $311,000 | 3,751 |
| Income before extraordinary items | $550,000 | 5,672 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $550,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,999,000 | 219 |
| Net operating income | $550,000 | 5,624 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,084,000 | 4,430 |
| Total interest expense | $993,000 | 4,150 |
| Net interest income | $2,091,000 | 4,479 |
| Provision for loan and lease losses | $205,000 | 2,129 |
| Total noninterest income | $66,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $17,000 | 7,375 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $49,000 | 6,441 |
| Total noninterest expense | $1,448,000 | 4,844 |
| Salaries and employee benefits | $791,000 | 4,844 |
| Premises and equipment expense | $280,000 | 3,815 |
| Additional noninterest expense | $377,000 | 5,287 |
| Pre-tax net operating income | $504,000 | 5,466 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $192,000 | 3,849 |
| Income before extraordinary items | $312,000 | 6,036 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $312,000 | 6,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $4,999,000 | 144 |
| Net operating income | $312,000 | 5,982 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,397,000 | 4,701 |
| Total interest expense | $439,000 | 4,399 |
| Net interest income | $958,000 | 4,751 |
| Provision for loan and lease losses | $86,000 | 2,322 |
| Total noninterest income | $34,000 | 7,645 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $705,000 | 4,979 |
| Salaries and employee benefits | $387,000 | 4,948 |
| Premises and equipment expense | $142,000 | 3,794 |
| Additional noninterest expense | $176,000 | 5,487 |
| Pre-tax net operating income | $201,000 | 5,950 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $71,000 | 4,271 |
| Income before extraordinary items | $130,000 | 6,396 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $130,000 | 6,397 |
| 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 | $4,999,000 | 71 |
| Net operating income | $130,000 | 6,354 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,238,000 | 5,380 |
| Total interest expense | $1,321,000 | 4,848 |
| Net interest income | $2,917,000 | 5,494 |
| Provision for loan and lease losses | $224,000 | 3,516 |
| Total noninterest income | $95,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $30,000 | 7,548 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $65,000 | 7,078 |
| Total noninterest expense | $2,640,000 | 5,106 |
| Salaries and employee benefits | $1,383,000 | 5,220 |
| Premises and equipment expense | $531,000 | 3,904 |
| Additional noninterest expense | $726,000 | 5,401 |
| Pre-tax net operating income | $148,000 | 7,952 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $48,000 | 6,061 |
| Income before extraordinary items | $100,000 | 8,096 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $100,000 | 8,095 |
| 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 | $100,000 | 8,053 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,967,000 | 5,586 |
| Total interest expense | $904,000 | 5,078 |
| Net interest income | $2,063,000 | 5,690 |
| Provision for loan and lease losses | $155,000 | 3,470 |
| Total noninterest income | $65,000 | 8,285 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $22,000 | 7,606 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 7,253 |
| Total noninterest expense | $1,948,000 | 5,123 |
| Salaries and employee benefits | $1,014,000 | 5,273 |
| Premises and equipment expense | $391,000 | 3,943 |
| Additional noninterest expense | $543,000 | 5,384 |
| Pre-tax net operating income | $25,000 | 8,389 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $6,000 | 6,914 |
| Income before extraordinary items | $19,000 | 8,443 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $19,000 | 8,446 |
| 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 | $19,000 | 8,401 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,844,000 | 5,813 |
| Total interest expense | $569,000 | 5,268 |
| Net interest income | $1,275,000 | 5,955 |
| Provision for loan and lease losses | $53,000 | 4,639 |
| Total noninterest income | $38,000 | 8,442 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $14,000 | 7,676 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $1,283,000 | 5,190 |
| Salaries and employee benefits | $669,000 | 5,343 |
| Premises and equipment expense | $259,000 | 3,967 |
| Additional noninterest expense | $355,000 | 5,465 |
| Pre-tax net operating income | $-23,000 | 8,590 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-21,000 | 8,838 |
| Income before extraordinary items | $-2,000 | 8,577 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,000 | 8,578 |
| 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 | $-2,000 | 8,529 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $855,000 | 6,075 |
| Total interest expense | $267,000 | 5,529 |
| Net interest income | $588,000 | 6,219 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $15,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $639,000 | 5,222 |
| Salaries and employee benefits | $324,000 | 5,487 |
| Premises and equipment expense | $131,000 | 3,970 |
| Additional noninterest expense | $184,000 | 5,360 |
| Pre-tax net operating income | $-56,000 | 8,736 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-21,000 | 8,907 |
| Income before extraordinary items | $-35,000 | 8,735 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-35,000 | 8,736 |
| 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 | $-35,000 | 8,694 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 6,832 |
| Total interest expense | $963,000 | 6,221 |
| Net interest income | $1,749,000 | 6,989 |
| Provision for loan and lease losses | $170,000 | 4,359 |
| Total noninterest income | $83,000 | 8,474 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $20,000 | 7,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $63,000 | 7,244 |
| Total noninterest expense | $2,265,000 | 5,579 |
| Salaries and employee benefits | $1,151,000 | 5,777 |
| Premises and equipment expense | $498,000 | 4,073 |
| Additional noninterest expense | $616,000 | 5,908 |
| Pre-tax net operating income | $-603,000 | 8,862 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-227,000 | 9,025 |
| Income before extraordinary items | $-376,000 | 8,853 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-376,000 | 8,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $383,000 | 522 |
| Net operating income | $-376,000 | 8,793 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,985,000 | 6,973 |
| Total interest expense | $728,000 | 6,352 |
| Net interest income | $1,257,000 | 7,135 |
| Provision for loan and lease losses | $134,000 | 4,182 |
| Total noninterest income | $72,000 | 8,412 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $14,000 | 7,914 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 7,004 |
| Total noninterest expense | $1,667,000 | 5,613 |
| Salaries and employee benefits | $848,000 | 5,807 |
| Premises and equipment expense | $366,000 | 4,134 |
| Additional noninterest expense | $453,000 | 5,958 |
| Pre-tax net operating income | $-472,000 | 8,946 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-184,000 | 9,110 |
| Income before extraordinary items | $-288,000 | 8,938 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-288,000 | 8,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $383,000 | 389 |
| Net operating income | $-288,000 | 8,874 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 7,117 |
| Total interest expense | $491,000 | 6,445 |
| Net interest income | $784,000 | 7,330 |
| Provision for loan and lease losses | $110,000 | 3,695 |
| Total noninterest income | $37,000 | 8,650 |
| 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 | $29,000 | 7,373 |
| Total noninterest expense | $1,087,000 | 5,699 |
| Salaries and employee benefits | $556,000 | 5,866 |
| Premises and equipment expense | $246,000 | 4,101 |
| Additional noninterest expense | $285,000 | 6,137 |
| Pre-tax net operating income | $-376,000 | 9,019 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-91,000 | 9,129 |
| Income before extraordinary items | $-285,000 | 9,058 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-285,000 | 9,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $383,000 | 281 |
| Net operating income | $-285,000 | 8,987 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $579,000 | 7,414 |
| Total interest expense | $236,000 | 6,650 |
| Net interest income | $343,000 | 7,649 |
| Provision for loan and lease losses | $62,000 | 3,213 |
| Total noninterest income | $21,000 | 8,569 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $488,000 | 6,081 |
| Salaries and employee benefits | $266,000 | 6,035 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $122,000 | 6,602 |
| Pre-tax net operating income | $-186,000 | 9,072 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-58,000 | 9,190 |
| Income before extraordinary items | $-128,000 | 9,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-128,000 | 9,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $383,000 | 158 |
| Net operating income | $-128,000 | 9,008 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,242,000 | 8,636 |
| Total interest expense | $407,000 | 8,639 |
| Net interest income | $835,000 | 8,522 |
| Provision for loan and lease losses | $332,000 | 3,237 |
| Total noninterest income | $28,000 | 9,122 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $6,000 | 8,124 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 8,461 |
| Total noninterest expense | $1,548,000 | 6,750 |
| Salaries and employee benefits | $912,000 | 6,473 |
| Premises and equipment expense | $225,000 | 6,455 |
| Additional noninterest expense | $411,000 | 7,074 |
| Pre-tax net operating income | $-1,017,000 | 9,126 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-355,000 | 9,208 |
| Income before extraordinary items | $-662,000 | 9,099 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-662,000 | 9,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-662,000 | 9,052 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $67,000 | 9,583 |
| Total interest expense | $46,000 | 9,504 |
| Net interest income | $21,000 | 9,594 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $0 | 9,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $896,000 | 8,219 |
| Salaries and employee benefits | $445,000 | 8,424 |
| Premises and equipment expense | $101,000 | 8,285 |
| Additional noninterest expense | $350,000 | 7,515 |
| Pre-tax net operating income | $-925,000 | 9,337 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-346,000 | 9,447 |
| Income before extraordinary items | $-579,000 | 9,268 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-579,000 | 9,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 73 |
| Net operating income | $-579,000 | 9,230 |
* 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.