Home > Town Center Bank > Income and Expense
Town Center Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $833,000 | 7,118 |
| Total interest expense | $317,000 | 6,387 |
| Net interest income | $516,000 | 7,296 |
| Provision for loan and lease losses | $21,000 | 6,377 |
| Total noninterest income | $58,000 | 6,712 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $32,000 | 6,127 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $26,000 | 6,263 |
| Total noninterest expense | $1,230,000 | 5,602 |
| Salaries and employee benefits | $452,000 | 6,305 |
| Premises and equipment expense | $232,000 | 4,464 |
| Additional noninterest expense | $546,000 | 4,848 |
| Pre-tax net operating income | $-677,000 | 6,858 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-677,000 | 6,950 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-677,000 | 6,950 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-677,000 | 6,950 |
| Net charge-offs | $105,000 | 4,187 |
| Cash dividends | $10,000 | 3,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-677,000 | 6,917 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $423,000 | 7,203 |
| Total interest expense | $177,000 | 6,316 |
| Net interest income | $246,000 | 7,415 |
| Provision for loan and lease losses | $21,000 | 5,704 |
| Total noninterest income | $34,000 | 6,601 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $16,000 | 6,154 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $18,000 | 6,058 |
| Total noninterest expense | $655,000 | 5,498 |
| Salaries and employee benefits | $213,000 | 6,490 |
| Premises and equipment expense | $115,000 | 4,583 |
| Additional noninterest expense | $327,000 | 4,361 |
| Pre-tax net operating income | $-396,000 | 7,090 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-396,000 | 7,175 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-396,000 | 7,177 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-396,000 | 7,176 |
| Net charge-offs | $-47,000 | 7,778 |
| Cash dividends | $10,000 | 2,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-396,000 | 7,153 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 7,031 |
| Total interest expense | $1,008,000 | 6,011 |
| Net interest income | $1,024,000 | 7,418 |
| Provision for loan and lease losses | $856,000 | 3,749 |
| Total noninterest income | $117,000 | 6,848 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $64,000 | 6,271 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $53,000 | 6,304 |
| Total noninterest expense | $2,608,000 | 5,570 |
| Salaries and employee benefits | $735,000 | 6,872 |
| Premises and equipment expense | $516,000 | 4,293 |
| Additional noninterest expense | $1,357,000 | 4,364 |
| Pre-tax net operating income | $-2,323,000 | 6,722 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-2,323,000 | 6,845 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,323,000 | 6,842 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,323,000 | 6,843 |
| Net charge-offs | $975,000 | 2,887 |
| Cash dividends | $15,000 | 4,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,323,000 | 6,843 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,566,000 | 7,066 |
| Total interest expense | $828,000 | 5,958 |
| Net interest income | $738,000 | 7,527 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $69,000 | 7,180 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $45,000 | 6,374 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $24,000 | 6,871 |
| Total noninterest expense | $1,927,000 | 5,623 |
| Salaries and employee benefits | $559,000 | 6,871 |
| Premises and equipment expense | $376,000 | 4,409 |
| Additional noninterest expense | $992,000 | 4,416 |
| Pre-tax net operating income | $-1,120,000 | 6,714 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,120,000 | 6,808 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,120,000 | 6,807 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,120,000 | 6,809 |
| Net charge-offs | $394,000 | 3,363 |
| Cash dividends | $15,000 | 4,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,120,000 | 6,801 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 7,109 |
| Total interest expense | $603,000 | 5,908 |
| Net interest income | $468,000 | 7,621 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $47,000 | 7,216 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $31,000 | 6,373 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $16,000 | 6,961 |
| Total noninterest expense | $1,352,000 | 5,533 |
| Salaries and employee benefits | $392,000 | 6,863 |
| Premises and equipment expense | $249,000 | 4,466 |
| Additional noninterest expense | $711,000 | 4,225 |
| Pre-tax net operating income | $-837,000 | 6,922 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-837,000 | 7,042 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-837,000 | 7,041 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-837,000 | 7,042 |
| Net charge-offs | $456,000 | 2,448 |
| Cash dividends | $15,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-837,000 | 7,033 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $555,000 | 7,100 |
| Total interest expense | $336,000 | 5,774 |
| Net interest income | $219,000 | 7,710 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $24,000 | 7,263 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $11,000 | 6,794 |
| Total noninterest expense | $674,000 | 5,480 |
| Salaries and employee benefits | $211,000 | 6,750 |
| Premises and equipment expense | $119,000 | 4,641 |
| Additional noninterest expense | $344,000 | 4,011 |
| Pre-tax net operating income | $-431,000 | 7,243 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-431,000 | 7,376 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-431,000 | 7,377 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-431,000 | 7,377 |
| Net charge-offs | $410,000 | 1,517 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-431,000 | 7,343 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,393,000 | 6,377 |
| Total interest expense | $1,885,000 | 5,454 |
| Net interest income | $1,508,000 | 7,000 |
| Provision for loan and lease losses | $851,000 | 2,945 |
| Total noninterest income | $68,000 | 7,587 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 6,504 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $9,000 | 7,711 |
| Total noninterest expense | $2,783,000 | 5,348 |
| Salaries and employee benefits | $1,104,000 | 6,191 |
| Premises and equipment expense | $402,000 | 5,070 |
| Additional noninterest expense | $1,277,000 | 4,081 |
| Pre-tax net operating income | $-2,058,000 | 7,375 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,058,000 | 7,403 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,058,000 | 7,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 2,758 |
| Cash dividends | $166,000 | 4,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,058,000 | 7,499 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 6,365 |
| Total interest expense | $1,461,000 | 5,494 |
| Net interest income | $1,185,000 | 6,952 |
| Provision for loan and lease losses | $841,000 | 2,029 |
| Total noninterest income | $111,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $43,000 | 6,579 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $68,000 | 6,176 |
| Total noninterest expense | $1,998,000 | 5,457 |
| Salaries and employee benefits | $832,000 | 6,190 |
| Premises and equipment expense | $267,000 | 5,418 |
| Additional noninterest expense | $899,000 | 4,212 |
| Pre-tax net operating income | $-1,543,000 | 7,743 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,543,000 | 7,717 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,543,000 | 7,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 1,926 |
| Cash dividends | $167,000 | 4,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,543,000 | 7,812 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,833,000 | 6,342 |
| Total interest expense | $1,013,000 | 5,547 |
| Net interest income | $820,000 | 6,910 |
| Provision for loan and lease losses | $691,000 | 1,548 |
| Total noninterest income | $85,000 | 6,870 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $27,000 | 6,653 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $58,000 | 5,909 |
| Total noninterest expense | $1,354,000 | 5,445 |
| Salaries and employee benefits | $680,000 | 5,673 |
| Premises and equipment expense | $167,000 | 5,612 |
| Additional noninterest expense | $507,000 | 4,691 |
| Pre-tax net operating income | $-1,140,000 | 7,976 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,140,000 | 8,049 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,140,000 | 8,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,377 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,140,000 | 8,035 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 6,218 |
| Total interest expense | $523,000 | 5,647 |
| Net interest income | $478,000 | 6,608 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $61,000 | 6,336 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $11,000 | 6,800 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $50,000 | 5,048 |
| Total noninterest expense | $614,000 | 5,743 |
| Salaries and employee benefits | $306,000 | 6,028 |
| Premises and equipment expense | $83,000 | 5,643 |
| Additional noninterest expense | $225,000 | 5,004 |
| Pre-tax net operating income | $-105,000 | 7,577 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-105,000 | 7,664 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-105,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,966 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-105,000 | 7,622 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,118,000 | 6,175 |
| Total interest expense | $1,901,000 | 5,930 |
| Net interest income | $2,217,000 | 6,269 |
| Provision for loan and lease losses | $906,000 | 1,529 |
| Total noninterest income | $36,000 | 8,145 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $22,000 | 7,129 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $14,000 | 7,960 |
| Total noninterest expense | $2,421,000 | 5,708 |
| Salaries and employee benefits | $1,144,000 | 6,109 |
| Premises and equipment expense | $307,000 | 5,724 |
| Additional noninterest expense | $970,000 | 4,755 |
| Pre-tax net operating income | $-1,074,000 | 8,073 |
| Securities gains (losses) | $-4,000 | 7,335 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,078,000 | 8,128 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,078,000 | 8,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 1,767 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 1,018 |
| Net operating income | $-1,074,000 | 8,121 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,044,000 | 6,235 |
| Total interest expense | $1,373,000 | 6,050 |
| Net interest income | $1,671,000 | 6,296 |
| Provision for loan and lease losses | $130,000 | 3,745 |
| Total noninterest income | $24,000 | 8,215 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $15,000 | 7,183 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $9,000 | 8,062 |
| Total noninterest expense | $1,504,000 | 6,204 |
| Salaries and employee benefits | $781,000 | 6,341 |
| Premises and equipment expense | $229,000 | 5,734 |
| Additional noninterest expense | $494,000 | 5,835 |
| Pre-tax net operating income | $61,000 | 7,451 |
| Securities gains (losses) | $-4,000 | 7,564 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $57,000 | 7,465 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $57,000 | 7,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,945 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $61,000 | 7,425 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,939,000 | 6,366 |
| Total interest expense | $841,000 | 6,266 |
| Net interest income | $1,098,000 | 6,385 |
| Provision for loan and lease losses | $40,000 | 4,625 |
| Total noninterest income | $14,000 | 8,305 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $8,000 | 7,273 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $6,000 | 8,115 |
| Total noninterest expense | $915,000 | 6,463 |
| Salaries and employee benefits | $501,000 | 6,476 |
| Premises and equipment expense | $151,000 | 5,790 |
| Additional noninterest expense | $263,000 | 6,459 |
| Pre-tax net operating income | $157,000 | 6,920 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $157,000 | 6,686 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $157,000 | 6,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,176 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $157,000 | 6,673 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $923,000 | 6,499 |
| Total interest expense | $391,000 | 6,422 |
| Net interest income | $532,000 | 6,482 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $8,000 | 8,315 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $4,000 | 8,000 |
| Total noninterest expense | $460,000 | 6,494 |
| Salaries and employee benefits | $261,000 | 6,434 |
| Premises and equipment expense | $76,000 | 5,812 |
| Additional noninterest expense | $123,000 | 6,638 |
| Pre-tax net operating income | $80,000 | 6,918 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $80,000 | 6,711 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $80,000 | 6,710 |
| 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 | $80,000 | 6,694 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,340,000 | 7,269 |
| Total interest expense | $870,000 | 7,179 |
| Net interest income | $1,470,000 | 7,211 |
| Provision for loan and lease losses | $340,000 | 2,562 |
| Total noninterest income | $22,000 | 8,401 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $16,000 | 7,331 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,369 |
| Total noninterest expense | $1,659,000 | 6,633 |
| Salaries and employee benefits | $924,000 | 6,591 |
| Premises and equipment expense | $293,000 | 5,801 |
| Additional noninterest expense | $442,000 | 6,839 |
| Pre-tax net operating income | $-507,000 | 8,266 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-507,000 | 8,297 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-507,000 | 8,297 |
| 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 | $-507,000 | 8,294 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,543,000 | 7,542 |
| Total interest expense | $559,000 | 7,434 |
| Net interest income | $984,000 | 7,494 |
| Provision for loan and lease losses | $250,000 | 2,440 |
| Total noninterest income | $13,000 | 8,521 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $10,000 | 7,439 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,495 |
| Total noninterest expense | $1,281,000 | 6,590 |
| Salaries and employee benefits | $690,000 | 6,595 |
| Premises and equipment expense | $220,000 | 5,824 |
| Additional noninterest expense | $371,000 | 6,563 |
| Pre-tax net operating income | $-534,000 | 8,463 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-534,000 | 8,485 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-534,000 | 8,485 |
| 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 | $-534,000 | 8,475 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $857,000 | 7,824 |
| Total interest expense | $289,000 | 7,749 |
| Net interest income | $568,000 | 7,791 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $8,000 | 8,574 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $5,000 | 7,536 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,487 |
| Total noninterest expense | $828,000 | 6,689 |
| Salaries and employee benefits | $450,000 | 6,683 |
| Premises and equipment expense | $146,000 | 5,844 |
| Additional noninterest expense | $232,000 | 6,757 |
| Pre-tax net operating income | $-402,000 | 8,524 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-402,000 | 8,546 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-402,000 | 8,546 |
| 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 | $-402,000 | 8,544 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $356,000 | 8,075 |
| Total interest expense | $109,000 | 8,065 |
| Net interest income | $247,000 | 7,994 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $4,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 7,586 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $410,000 | 6,719 |
| Salaries and employee benefits | $228,000 | 6,676 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $112,000 | 6,815 |
| Pre-tax net operating income | $-234,000 | 8,576 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-234,000 | 8,595 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-234,000 | 8,594 |
| 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 | $-234,000 | 8,586 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $746,000 | 8,511 |
| Total interest expense | $169,000 | 8,508 |
| Net interest income | $577,000 | 8,466 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $9,000 | 8,672 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,519 |
| Total noninterest expense | $1,286,000 | 7,258 |
| Salaries and employee benefits | $672,000 | 7,370 |
| Premises and equipment expense | $184,000 | 6,901 |
| Additional noninterest expense | $430,000 | 6,932 |
| Pre-tax net operating income | $-790,000 | 8,585 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-790,000 | 8,622 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-790,000 | 8,622 |
| 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 | $0 | 934 |
| Net operating income | $-790,000 | 8,602 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $470,000 | 8,621 |
| Total interest expense | $94,000 | 8,620 |
| Net interest income | $376,000 | 8,582 |
| Provision for loan and lease losses | $60,000 | 4,948 |
| Total noninterest income | $7,000 | 8,725 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 7,763 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,503 |
| Total noninterest expense | $923,000 | 7,336 |
| Salaries and employee benefits | $479,000 | 7,459 |
| Premises and equipment expense | $133,000 | 6,961 |
| Additional noninterest expense | $311,000 | 7,015 |
| Pre-tax net operating income | $-600,000 | 8,632 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-600,000 | 8,674 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-600,000 | 8,674 |
| 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 | $0 | 769 |
| Net operating income | $-600,000 | 8,650 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $270,000 | 8,672 |
| Total interest expense | $46,000 | 8,686 |
| Net interest income | $224,000 | 8,636 |
| Provision for loan and lease losses | $53,000 | 4,474 |
| Total noninterest income | $6,000 | 8,715 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,000 | 7,756 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $5,000 | 8,453 |
| Total noninterest expense | $571,000 | 7,496 |
| Salaries and employee benefits | $299,000 | 7,615 |
| Premises and equipment expense | $75,000 | 7,276 |
| Additional noninterest expense | $197,000 | 7,121 |
| Pre-tax net operating income | $-394,000 | 8,639 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-394,000 | 8,683 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-394,000 | 8,683 |
| 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 | $0 | 643 |
| Net operating income | $-394,000 | 8,656 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $115,000 | 8,796 |
| Total interest expense | $18,000 | 8,788 |
| Net interest income | $97,000 | 8,752 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $5,000 | 8,734 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $289,000 | 7,536 |
| Salaries and employee benefits | $144,000 | 7,735 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $109,000 | 6,925 |
| Pre-tax net operating income | $-212,000 | 8,734 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-212,000 | 8,758 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-212,000 | 8,758 |
| 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 | $-212,000 | 8,741 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $52,000 | 8,943 |
| Total interest expense | $6,000 | 8,928 |
| Net interest income | $46,000 | 8,940 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $0 | 8,923 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $783,000 | 8,190 |
| Salaries and employee benefits | $95,000 | 8,925 |
| Premises and equipment expense | $34,000 | 8,774 |
| Additional noninterest expense | $654,000 | 5,744 |
| Pre-tax net operating income | $-787,000 | 8,750 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-787,000 | 8,789 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-787,000 | 8,790 |
| 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 | $8,745,000 | 133 |
| Net operating income | $-787,000 | 8,767 |
* 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.