Home > Valliance Bank > Income and Expense
Valliance Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,721,000 | 5,332 |
| Total interest expense | $339,000 | 4,709 |
| Net interest income | $1,382,000 | 5,384 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $15,000 | 6,889 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $21,000 | 6,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-6,000 | 6,818 |
| Total noninterest expense | $2,046,000 | 4,021 |
| Salaries and employee benefits | $657,000 | 5,237 |
| Premises and equipment expense | $324,000 | 3,243 |
| Additional noninterest expense | $1,065,000 | 2,966 |
| Pre-tax net operating income | $-649,000 | 6,874 |
| Securities gains (losses) | $-14,000 | 6,961 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-663,000 | 6,922 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-663,000 | 6,921 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-663,000 | 6,922 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-649,000 | 6,886 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $799,000 | 5,543 |
| Total interest expense | $174,000 | 4,762 |
| Net interest income | $625,000 | 5,605 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $-5,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $10,000 | 6,521 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-15,000 | 7,004 |
| Total noninterest expense | $931,000 | 4,285 |
| Salaries and employee benefits | $350,000 | 5,130 |
| Premises and equipment expense | $161,000 | 3,281 |
| Additional noninterest expense | $420,000 | 3,523 |
| Pre-tax net operating income | $-311,000 | 6,951 |
| Securities gains (losses) | $-14,000 | 7,077 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-325,000 | 6,999 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-325,000 | 6,999 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-325,000 | 6,999 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-311,000 | 6,962 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,847,000 | 5,237 |
| Total interest expense | $1,138,000 | 4,097 |
| Net interest income | $2,709,000 | 5,477 |
| Provision for loan and lease losses | $490,000 | 3,484 |
| Total noninterest income | $-1,826,000 | 7,291 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $25,000 | 6,683 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-1,851,000 | 7,260 |
| Total noninterest expense | $3,894,000 | 4,186 |
| Salaries and employee benefits | $1,661,000 | 4,670 |
| Premises and equipment expense | $664,000 | 3,315 |
| Additional noninterest expense | $1,569,000 | 3,731 |
| Pre-tax net operating income | $-3,501,000 | 6,962 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-3,501,000 | 6,989 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,501,000 | 6,990 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,501,000 | 6,990 |
| Net charge-offs | $864,000 | 2,535 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,501,000 | 6,968 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 5,144 |
| Total interest expense | $965,000 | 3,906 |
| Net interest income | $2,110,000 | 5,441 |
| Provision for loan and lease losses | $490,000 | 2,906 |
| Total noninterest income | $-1,513,000 | 7,380 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $18,000 | 6,741 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-1,531,000 | 7,359 |
| Total noninterest expense | $3,020,000 | 4,095 |
| Salaries and employee benefits | $1,241,000 | 4,693 |
| Premises and equipment expense | $499,000 | 3,354 |
| Additional noninterest expense | $1,280,000 | 3,529 |
| Pre-tax net operating income | $-2,913,000 | 7,096 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,913,000 | 7,143 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,913,000 | 7,143 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,913,000 | 7,144 |
| Net charge-offs | $786,000 | 2,165 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,913,000 | 7,128 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,267,000 | 4,925 |
| Total interest expense | $813,000 | 3,469 |
| Net interest income | $1,454,000 | 5,403 |
| Provision for loan and lease losses | $490,000 | 2,346 |
| Total noninterest income | $-1,127,000 | 7,457 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $13,000 | 6,739 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,140,000 | 7,447 |
| Total noninterest expense | $2,033,000 | 4,119 |
| Salaries and employee benefits | $783,000 | 4,884 |
| Premises and equipment expense | $331,000 | 3,401 |
| Additional noninterest expense | $919,000 | 3,402 |
| Pre-tax net operating income | $-2,196,000 | 7,197 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,196,000 | 7,229 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,196,000 | 7,230 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,196,000 | 7,230 |
| Net charge-offs | $476,000 | 2,200 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,196,000 | 7,218 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,213,000 | 4,771 |
| Total interest expense | $451,000 | 3,304 |
| Net interest income | $762,000 | 5,297 |
| Provision for loan and lease losses | $402,000 | 1,627 |
| Total noninterest income | $-93,000 | 7,422 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $7,000 | 6,714 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-100,000 | 7,365 |
| Total noninterest expense | $964,000 | 4,282 |
| Salaries and employee benefits | $390,000 | 4,936 |
| Premises and equipment expense | $164,000 | 3,471 |
| Additional noninterest expense | $410,000 | 3,662 |
| Pre-tax net operating income | $-697,000 | 7,179 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-697,000 | 7,213 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-697,000 | 7,214 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-697,000 | 7,214 |
| Net charge-offs | $501,000 | 1,336 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-697,000 | 7,206 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,827,000 | 4,407 |
| Total interest expense | $2,927,000 | 2,661 |
| Net interest income | $2,900,000 | 5,442 |
| Provision for loan and lease losses | $1,854,000 | 2,177 |
| Total noninterest income | $-123,000 | 7,393 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $29,000 | 6,527 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-152,000 | 7,240 |
| Total noninterest expense | $4,115,000 | 4,138 |
| Salaries and employee benefits | $1,583,000 | 4,913 |
| Premises and equipment expense | $679,000 | 3,378 |
| Additional noninterest expense | $1,853,000 | 3,469 |
| Pre-tax net operating income | $-3,192,000 | 6,941 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-3,192,000 | 7,024 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,192,000 | 7,024 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,192,000 | 7,025 |
| Net charge-offs | $1,668,000 | 2,051 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $3,495,000 | 187 |
| Net operating income | $-3,192,000 | 7,001 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,409,000 | 4,461 |
| Total interest expense | $2,358,000 | 2,598 |
| Net interest income | $2,051,000 | 5,651 |
| Provision for loan and lease losses | $1,434,000 | 2,046 |
| Total noninterest income | $-138,000 | 7,548 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $22,000 | 6,616 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-160,000 | 7,434 |
| Total noninterest expense | $2,966,000 | 4,272 |
| Salaries and employee benefits | $1,141,000 | 5,058 |
| Premises and equipment expense | $515,000 | 3,400 |
| Additional noninterest expense | $1,310,000 | 3,589 |
| Pre-tax net operating income | $-2,487,000 | 7,133 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,487,000 | 7,207 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,487,000 | 7,206 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,487,000 | 7,207 |
| Net charge-offs | $1,420,000 | 1,829 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $2,495,000 | 180 |
| Net operating income | $-2,487,000 | 7,185 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 4,340 |
| Total interest expense | $1,670,000 | 2,558 |
| Net interest income | $1,438,000 | 5,564 |
| Provision for loan and lease losses | $720,000 | 2,334 |
| Total noninterest income | $-97,000 | 7,637 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $16,000 | 6,614 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-113,000 | 7,536 |
| Total noninterest expense | $1,923,000 | 4,354 |
| Salaries and employee benefits | $737,000 | 5,162 |
| Premises and equipment expense | $348,000 | 3,387 |
| Additional noninterest expense | $838,000 | 3,677 |
| Pre-tax net operating income | $-1,302,000 | 7,117 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,302,000 | 7,186 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,302,000 | 7,185 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,302,000 | 7,186 |
| Net charge-offs | $81,000 | 4,465 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $2,495,000 | 132 |
| Net operating income | $-1,302,000 | 7,173 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,555,000 | 4,391 |
| Total interest expense | $866,000 | 2,583 |
| Net interest income | $689,000 | 5,698 |
| Provision for loan and lease losses | $180,000 | 3,129 |
| Total noninterest income | $18,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $8,000 | 6,669 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $10,000 | 6,608 |
| Total noninterest expense | $981,000 | 4,332 |
| Salaries and employee benefits | $398,000 | 5,015 |
| Premises and equipment expense | $178,000 | 3,414 |
| Additional noninterest expense | $405,000 | 3,767 |
| Pre-tax net operating income | $-454,000 | 7,147 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-454,000 | 7,224 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-454,000 | 7,225 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-454,000 | 7,225 |
| Net charge-offs | $63,000 | 3,532 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 121 |
| Net operating income | $-454,000 | 7,207 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,987,000 | 4,180 |
| Total interest expense | $3,887,000 | 2,803 |
| Net interest income | $3,100,000 | 5,294 |
| Provision for loan and lease losses | $1,425,000 | 2,962 |
| Total noninterest income | $45,000 | 7,443 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $23,000 | 6,861 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $22,000 | 6,913 |
| Total noninterest expense | $3,574,000 | 4,649 |
| Salaries and employee benefits | $1,663,000 | 4,892 |
| Premises and equipment expense | $445,000 | 4,715 |
| Additional noninterest expense | $1,466,000 | 4,136 |
| Pre-tax net operating income | $-1,854,000 | 6,583 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,854,000 | 6,702 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,854,000 | 6,701 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,854,000 | 6,701 |
| Net charge-offs | $772,000 | 3,226 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $5,095,000 | 181 |
| Net operating income | $-1,854,000 | 6,696 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 4,208 |
| Total interest expense | $2,949,000 | 2,897 |
| Net interest income | $2,331,000 | 5,316 |
| Provision for loan and lease losses | $493,000 | 3,817 |
| Total noninterest income | $34,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $16,000 | 6,930 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $18,000 | 7,053 |
| Total noninterest expense | $2,560,000 | 4,806 |
| Salaries and employee benefits | $1,262,000 | 4,878 |
| Premises and equipment expense | $260,000 | 5,382 |
| Additional noninterest expense | $1,038,000 | 4,269 |
| Pre-tax net operating income | $-688,000 | 6,464 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-688,000 | 6,559 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-688,000 | 6,560 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-688,000 | 6,560 |
| Net charge-offs | $77,000 | 5,306 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $4,100,000 | 174 |
| Net operating income | $-688,000 | 6,561 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,469,000 | 4,291 |
| Total interest expense | $2,025,000 | 2,933 |
| Net interest income | $1,444,000 | 5,508 |
| Provision for loan and lease losses | $315,000 | 3,619 |
| Total noninterest income | $65,000 | 6,912 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $8,000 | 7,058 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $57,000 | 5,652 |
| Total noninterest expense | $1,610,000 | 5,033 |
| Salaries and employee benefits | $816,000 | 5,040 |
| Premises and equipment expense | $127,000 | 6,125 |
| Additional noninterest expense | $667,000 | 4,401 |
| Pre-tax net operating income | $-416,000 | 6,562 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-416,000 | 6,671 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-416,000 | 6,672 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-416,000 | 6,672 |
| Net charge-offs | $77,000 | 4,509 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $4,100,000 | 126 |
| Net operating income | $-416,000 | 6,651 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,719,000 | 4,352 |
| Total interest expense | $1,026,000 | 2,990 |
| Net interest income | $693,000 | 5,620 |
| Provision for loan and lease losses | $135,000 | 3,447 |
| Total noninterest income | $47,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $4,000 | 7,066 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $43,000 | 5,090 |
| Total noninterest expense | $814,000 | 4,901 |
| Salaries and employee benefits | $401,000 | 5,141 |
| Premises and equipment expense | $66,000 | 6,081 |
| Additional noninterest expense | $347,000 | 3,978 |
| Pre-tax net operating income | $-209,000 | 6,909 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-209,000 | 7,048 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-209,000 | 7,049 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-209,000 | 7,049 |
| Net charge-offs | $77,000 | 3,144 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $1,800,000 | 127 |
| Net operating income | $-209,000 | 6,975 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,744,000 | 6,167 |
| Total interest expense | $1,607,000 | 5,826 |
| Net interest income | $2,137,000 | 6,284 |
| Provision for loan and lease losses | $441,000 | 3,997 |
| Total noninterest income | $113,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 7,056 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $94,000 | 6,009 |
| Total noninterest expense | $2,523,000 | 5,623 |
| Salaries and employee benefits | $1,452,000 | 5,432 |
| Premises and equipment expense | $257,000 | 6,180 |
| Additional noninterest expense | $814,000 | 5,432 |
| Pre-tax net operating income | $-714,000 | 6,885 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-714,000 | 6,839 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-714,000 | 6,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 5,227 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-714,000 | 6,963 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,522,000 | 6,461 |
| Total interest expense | $1,029,000 | 6,262 |
| Net interest income | $1,493,000 | 6,473 |
| Provision for loan and lease losses | $306,000 | 3,512 |
| Total noninterest income | $60,000 | 7,629 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $8,000 | 7,214 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $52,000 | 6,542 |
| Total noninterest expense | $1,829,000 | 5,713 |
| Salaries and employee benefits | $1,061,000 | 5,512 |
| Premises and equipment expense | $191,000 | 6,222 |
| Additional noninterest expense | $577,000 | 5,532 |
| Pre-tax net operating income | $-582,000 | 7,310 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-582,000 | 7,252 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-582,000 | 7,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,350 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-582,000 | 7,378 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,467,000 | 6,792 |
| Total interest expense | $574,000 | 6,768 |
| Net interest income | $893,000 | 6,737 |
| Provision for loan and lease losses | $160,000 | 3,502 |
| Total noninterest income | $8,000 | 8,173 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $4,000 | 7,287 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $4,000 | 7,989 |
| Total noninterest expense | $1,185,000 | 5,834 |
| Salaries and employee benefits | $690,000 | 5,635 |
| Premises and equipment expense | $125,000 | 6,294 |
| Additional noninterest expense | $370,000 | 5,641 |
| Pre-tax net operating income | $-444,000 | 7,565 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-444,000 | 7,652 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-444,000 | 7,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-444,000 | 7,633 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $680,000 | 7,033 |
| Total interest expense | $256,000 | 7,101 |
| Net interest income | $424,000 | 6,893 |
| Provision for loan and lease losses | $58,000 | 3,653 |
| Total noninterest income | $3,000 | 8,242 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $2,000 | 7,305 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $540,000 | 6,101 |
| Salaries and employee benefits | $319,000 | 5,914 |
| Premises and equipment expense | $58,000 | 6,485 |
| Additional noninterest expense | $163,000 | 5,956 |
| Pre-tax net operating income | $-171,000 | 7,703 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-171,000 | 7,788 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-171,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-171,000 | 7,752 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,274,000 | 8,045 |
| Total interest expense | $378,000 | 8,121 |
| Net interest income | $896,000 | 7,878 |
| Provision for loan and lease losses | $287,000 | 3,275 |
| Total noninterest income | $4,000 | 8,364 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $4,000 | 7,400 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $0 | 8,329 |
| Total noninterest expense | $1,864,000 | 6,391 |
| Salaries and employee benefits | $663,000 | 7,364 |
| Premises and equipment expense | $165,000 | 7,106 |
| Additional noninterest expense | $1,036,000 | 4,547 |
| Pre-tax net operating income | $-1,251,000 | 8,127 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,251,000 | 8,178 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,251,000 | 8,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 186 |
| Net operating income | $-1,251,000 | 8,170 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $609,000 | 8,334 |
| Total interest expense | $146,000 | 8,346 |
| Net interest income | $463,000 | 8,232 |
| Provision for loan and lease losses | $227,000 | 2,777 |
| Total noninterest income | $1,000 | 8,439 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,480 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $0 | 8,377 |
| Total noninterest expense | $1,352,000 | 6,457 |
| Salaries and employee benefits | $386,000 | 7,744 |
| Premises and equipment expense | $105,000 | 7,334 |
| Additional noninterest expense | $861,000 | 4,150 |
| Pre-tax net operating income | $-1,115,000 | 8,317 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,115,000 | 8,353 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,115,000 | 8,351 |
| 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 | $10,000,000 | 137 |
| Net operating income | $-1,115,000 | 8,344 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $179,000 | 8,549 |
| Total interest expense | $16,000 | 8,533 |
| Net interest income | $163,000 | 8,512 |
| Provision for loan and lease losses | $114,000 | 3,113 |
| Total noninterest income | $0 | 8,515 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $0 | 8,426 |
| Total noninterest expense | $848,000 | 6,671 |
| Salaries and employee benefits | $137,000 | 8,370 |
| Premises and equipment expense | $40,000 | 7,995 |
| Additional noninterest expense | $671,000 | 3,678 |
| Pre-tax net operating income | $-799,000 | 8,410 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-799,000 | 8,442 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-799,000 | 8,440 |
| 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 | $10,000,000 | 98 |
| Net operating income | $-799,000 | 8,433 |
* 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.