Home > Vantage Point Bank > Income and Expense
Vantage Point Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,721,000 | 5,392 |
| Total interest expense | $806,000 | 3,435 |
| Net interest income | $1,915,000 | 5,740 |
| Provision for loan and lease losses | $725,000 | 1,440 |
| Total noninterest income | $10,469,000 | 644 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $70,000 | 5,672 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $10,399,000 | 468 |
| Total noninterest expense | $15,462,000 | 1,291 |
| Salaries and employee benefits | $8,994,000 | 1,207 |
| Premises and equipment expense | $1,066,000 | 2,127 |
| Additional noninterest expense | $5,402,000 | 1,245 |
| Pre-tax net operating income | $-3,803,000 | 6,735 |
| Securities gains (losses) | $-1,000 | 6,053 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-3,804,000 | 6,738 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,804,000 | 6,738 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-3,804,000 | 6,738 |
| Net charge-offs | $529,000 | 1,960 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-3,803,000 | 6,737 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 5,362 |
| Total interest expense | $632,000 | 3,412 |
| Net interest income | $1,527,000 | 5,689 |
| Provision for loan and lease losses | $390,000 | 1,805 |
| Total noninterest income | $9,894,000 | 562 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $55,000 | 5,681 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $9,839,000 | 406 |
| Total noninterest expense | $12,798,000 | 1,205 |
| Salaries and employee benefits | $7,999,000 | 1,002 |
| Premises and equipment expense | $1,027,000 | 1,727 |
| Additional noninterest expense | $3,772,000 | 1,325 |
| Pre-tax net operating income | $-1,767,000 | 6,772 |
| Securities gains (losses) | $-1,000 | 6,307 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-1,768,000 | 6,780 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,768,000 | 6,781 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,768,000 | 6,781 |
| Net charge-offs | $333,000 | 2,011 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,767,000 | 6,772 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 5,323 |
| Total interest expense | $431,000 | 3,426 |
| Net interest income | $1,062,000 | 5,620 |
| Provision for loan and lease losses | $175,000 | 2,281 |
| Total noninterest income | $7,365,000 | 529 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $34,000 | 5,767 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $7,331,000 | 387 |
| Total noninterest expense | $9,052,000 | 1,127 |
| Salaries and employee benefits | $5,788,000 | 930 |
| Premises and equipment expense | $672,000 | 1,746 |
| Additional noninterest expense | $2,592,000 | 1,283 |
| Pre-tax net operating income | $-800,000 | 6,760 |
| Securities gains (losses) | $-1,000 | 6,487 |
| Applicable income taxes | $-272,000 | 6,835 |
| Income before extraordinary items | $-529,000 | 6,728 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-529,000 | 6,730 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-529,000 | 6,729 |
| Net charge-offs | $127,000 | 2,521 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-528,340 | 6,709 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $750,000 | 5,346 |
| Total interest expense | $212,000 | 3,549 |
| Net interest income | $538,000 | 5,635 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $3,183,000 | 582 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $14,000 | 5,965 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,169,000 | 432 |
| Total noninterest expense | $4,206,000 | 1,215 |
| Salaries and employee benefits | $2,580,000 | 1,055 |
| Premises and equipment expense | $333,000 | 1,791 |
| Additional noninterest expense | $1,293,000 | 1,279 |
| Pre-tax net operating income | $-485,000 | 6,853 |
| Securities gains (losses) | $-4,000 | 6,727 |
| Applicable income taxes | $-166,000 | 6,946 |
| Income before extraordinary items | $-323,000 | 6,823 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-323,000 | 6,823 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-323,000 | 6,823 |
| Net charge-offs | $30,000 | 2,794 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-320,360 | 6,808 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,213,000 | 5,342 |
| Total interest expense | $905,000 | 3,852 |
| Net interest income | $2,308,000 | 5,619 |
| Provision for loan and lease losses | $520,000 | 2,676 |
| Total noninterest income | $12,112,000 | 591 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $49,000 | 6,245 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $12,063,000 | 430 |
| Total noninterest expense | $14,839,000 | 1,343 |
| Salaries and employee benefits | $9,151,000 | 1,155 |
| Premises and equipment expense | $1,223,000 | 1,912 |
| Additional noninterest expense | $4,465,000 | 1,512 |
| Pre-tax net operating income | $-939,000 | 6,650 |
| Securities gains (losses) | $-17,000 | 6,768 |
| Applicable income taxes | $1,739,000 | 976 |
| Income before extraordinary items | $-2,695,000 | 6,878 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,695,000 | 6,877 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-2,695,000 | 6,877 |
| Net charge-offs | $630,000 | 2,346 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 816 |
| Net operating income | $-2,678,000 | 6,860 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 5,443 |
| Total interest expense | $697,000 | 3,905 |
| Net interest income | $1,706,000 | 5,730 |
| Provision for loan and lease losses | $30,000 | 5,216 |
| Total noninterest income | $8,740,000 | 600 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $33,000 | 6,404 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $8,707,000 | 435 |
| Total noninterest expense | $10,081,000 | 1,458 |
| Salaries and employee benefits | $6,529,000 | 1,206 |
| Premises and equipment expense | $882,000 | 2,004 |
| Additional noninterest expense | $2,670,000 | 1,863 |
| Pre-tax net operating income | $335,000 | 5,183 |
| Securities gains (losses) | $-2,000 | 6,774 |
| Applicable income taxes | $113,000 | 3,280 |
| Income before extraordinary items | $220,000 | 5,643 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $220,000 | 5,642 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $220,000 | 5,642 |
| Net charge-offs | $223,000 | 3,168 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $221,320 | 5,460 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 5,513 |
| Total interest expense | $477,000 | 3,940 |
| Net interest income | $1,106,000 | 5,819 |
| Provision for loan and lease losses | $20,000 | 5,104 |
| Total noninterest income | $4,651,000 | 718 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $20,000 | 6,521 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,631,000 | 502 |
| Total noninterest expense | $5,939,000 | 1,632 |
| Salaries and employee benefits | $3,993,000 | 1,298 |
| Premises and equipment expense | $563,000 | 2,070 |
| Additional noninterest expense | $1,383,000 | 2,343 |
| Pre-tax net operating income | $-202,000 | 6,634 |
| Securities gains (losses) | $38,000 | 2,209 |
| Applicable income taxes | $-56,000 | 6,960 |
| Income before extraordinary items | $-108,000 | 6,638 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-108,000 | 6,638 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-108,000 | 6,638 |
| Net charge-offs | $223,000 | 2,617 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-133,080 | 6,581 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $776,000 | 5,595 |
| Total interest expense | $245,000 | 3,980 |
| Net interest income | $531,000 | 5,937 |
| Provision for loan and lease losses | $20,000 | 4,478 |
| Total noninterest income | $2,189,000 | 744 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $8,000 | 6,658 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,181,000 | 515 |
| Total noninterest expense | $2,567,000 | 1,861 |
| Salaries and employee benefits | $1,853,000 | 1,403 |
| Premises and equipment expense | $98,000 | 4,443 |
| Additional noninterest expense | $616,000 | 2,588 |
| Pre-tax net operating income | $133,000 | 5,087 |
| Securities gains (losses) | $21,000 | 1,579 |
| Applicable income taxes | $52,000 | 3,038 |
| Income before extraordinary items | $102,000 | 5,329 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $102,000 | 5,330 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $102,000 | 5,330 |
| Net charge-offs | $224,000 | 1,745 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $88,140 | 5,359 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,100,000 | 5,691 |
| Total interest expense | $1,072,000 | 4,246 |
| Net interest income | $2,028,000 | 6,053 |
| Provision for loan and lease losses | $60,000 | 5,708 |
| Total noninterest income | $3,709,000 | 1,293 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $22,000 | 6,721 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $3,687,000 | 888 |
| Total noninterest expense | $6,463,000 | 2,874 |
| Salaries and employee benefits | $4,670,000 | 2,075 |
| Premises and equipment expense | $289,000 | 5,318 |
| Additional noninterest expense | $1,504,000 | 3,863 |
| Pre-tax net operating income | $-786,000 | 6,517 |
| Securities gains (losses) | $273,000 | 1,195 |
| Applicable income taxes | $-92,000 | 6,808 |
| Income before extraordinary items | $-421,000 | 6,448 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-421,000 | 6,451 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-421,000 | 6,450 |
| Net charge-offs | $28,000 | 5,775 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 862 |
| Net operating income | $-644,860 | 6,501 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,290,000 | 5,779 |
| Total interest expense | $813,000 | 4,331 |
| Net interest income | $1,477,000 | 6,153 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $1,599,000 | 1,916 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $17,000 | 6,758 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,582,000 | 1,299 |
| Total noninterest expense | $3,929,000 | 3,413 |
| Salaries and employee benefits | $2,836,000 | 2,537 |
| Premises and equipment expense | $215,000 | 5,376 |
| Additional noninterest expense | $878,000 | 4,525 |
| Pre-tax net operating income | $-853,000 | 6,750 |
| Securities gains (losses) | $250,000 | 1,048 |
| Applicable income taxes | $-205,000 | 7,091 |
| Income before extraordinary items | $-398,000 | 6,638 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-398,000 | 6,640 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-398,000 | 6,640 |
| Net charge-offs | $-140,000 | 7,348 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 802 |
| Net operating income | $-563,000 | 6,674 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,527,000 | 5,833 |
| Total interest expense | $549,000 | 4,406 |
| Net interest income | $978,000 | 6,201 |
| Provision for loan and lease losses | $30,000 | 5,425 |
| Total noninterest income | $1,188,000 | 1,759 |
| 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 | $1,175,000 | 1,203 |
| Total noninterest expense | $2,762,000 | 3,305 |
| Salaries and employee benefits | $2,017,000 | 2,406 |
| Premises and equipment expense | $155,000 | 5,242 |
| Additional noninterest expense | $590,000 | 4,571 |
| Pre-tax net operating income | $-626,000 | 6,845 |
| Securities gains (losses) | $115,000 | 1,041 |
| Applicable income taxes | $-174,000 | 7,198 |
| Income before extraordinary items | $-337,000 | 6,741 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-337,000 | 6,741 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-337,000 | 6,742 |
| Net charge-offs | $-187,000 | 7,436 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 769 |
| Net operating income | $-412,900 | 6,784 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $772,000 | 5,849 |
| Total interest expense | $283,000 | 4,450 |
| Net interest income | $489,000 | 6,223 |
| Provision for loan and lease losses | $30,000 | 4,582 |
| Total noninterest income | $550,000 | 1,861 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $6,000 | 6,773 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $544,000 | 1,281 |
| Total noninterest expense | $1,406,000 | 3,281 |
| Salaries and employee benefits | $1,022,000 | 2,387 |
| Premises and equipment expense | $78,000 | 5,277 |
| Additional noninterest expense | $306,000 | 4,476 |
| Pre-tax net operating income | $-397,000 | 7,025 |
| Securities gains (losses) | $15,000 | 1,187 |
| Applicable income taxes | $-130,000 | 7,321 |
| Income before extraordinary items | $-252,000 | 6,942 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-252,000 | 6,942 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-252,000 | 6,942 |
| Net charge-offs | $-1,000 | 6,209 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $-261,900 | 6,935 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 5,538 |
| Total interest expense | $1,340,000 | 4,533 |
| Net interest income | $2,436,000 | 5,820 |
| Provision for loan and lease losses | $183,000 | 5,446 |
| Total noninterest income | $2,177,000 | 1,965 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 6,712 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,166,000 | 1,332 |
| Total noninterest expense | $5,018,000 | 3,606 |
| Salaries and employee benefits | $3,523,000 | 2,709 |
| Premises and equipment expense | $307,000 | 5,352 |
| Additional noninterest expense | $1,188,000 | 4,639 |
| Pre-tax net operating income | $-588,000 | 6,294 |
| Securities gains (losses) | $202,000 | 1,581 |
| Applicable income taxes | $-137,000 | 6,897 |
| Income before extraordinary items | $-249,000 | 6,205 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-249,000 | 6,207 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-249,000 | 6,206 |
| Net charge-offs | $435,000 | 3,830 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 576 |
| Net operating income | $-380,300 | 6,244 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 5,589 |
| Total interest expense | $1,039,000 | 4,605 |
| Net interest income | $1,842,000 | 5,887 |
| Provision for loan and lease losses | $-121,000 | 7,711 |
| Total noninterest income | $1,393,000 | 2,199 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $8,000 | 6,810 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,385,000 | 1,416 |
| Total noninterest expense | $3,441,000 | 3,851 |
| Salaries and employee benefits | $2,442,000 | 2,910 |
| Premises and equipment expense | $226,000 | 5,456 |
| Additional noninterest expense | $773,000 | 5,015 |
| Pre-tax net operating income | $-85,000 | 6,143 |
| Securities gains (losses) | $218,000 | 1,309 |
| Applicable income taxes | $36,000 | 3,738 |
| Income before extraordinary items | $97,000 | 5,735 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $97,000 | 5,738 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $97,000 | 5,737 |
| Net charge-offs | $12,000 | 6,207 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $254,000 | 470 |
| Net operating income | $-62,140 | 6,141 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,954,000 | 5,594 |
| Total interest expense | $709,000 | 4,653 |
| Net interest income | $1,245,000 | 5,875 |
| Provision for loan and lease losses | $-165,000 | 7,793 |
| Total noninterest income | $856,000 | 2,270 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $5,000 | 6,864 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $851,000 | 1,453 |
| Total noninterest expense | $2,326,000 | 3,816 |
| Salaries and employee benefits | $1,682,000 | 2,835 |
| Premises and equipment expense | $151,000 | 5,496 |
| Additional noninterest expense | $493,000 | 5,130 |
| Pre-tax net operating income | $-60,000 | 6,201 |
| Securities gains (losses) | $62,000 | 1,755 |
| Applicable income taxes | $-8,000 | 6,913 |
| Income before extraordinary items | $10,000 | 6,127 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $10,000 | 6,129 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $10,000 | 6,128 |
| Net charge-offs | $12,000 | 5,739 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $238,000 | 356 |
| Net operating income | $-52,000 | 6,224 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $953,000 | 5,724 |
| Total interest expense | $362,000 | 4,730 |
| Net interest income | $591,000 | 6,039 |
| Provision for loan and lease losses | $-80,000 | 7,880 |
| Total noninterest income | $339,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $2,000 | 6,961 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $337,000 | 1,705 |
| Total noninterest expense | $1,183,000 | 3,801 |
| Salaries and employee benefits | $864,000 | 2,826 |
| Premises and equipment expense | $77,000 | 5,536 |
| Additional noninterest expense | $242,000 | 5,210 |
| Pre-tax net operating income | $-173,000 | 6,793 |
| Securities gains (losses) | $12,000 | 1,679 |
| Applicable income taxes | $-55,000 | 7,343 |
| Income before extraordinary items | $-106,000 | 6,766 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-106,000 | 6,767 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-106,000 | 6,766 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 215 |
| Net operating income | $-113,920 | 6,735 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,971,000 | 5,742 |
| Total interest expense | $1,698,000 | 4,872 |
| Net interest income | $2,273,000 | 6,078 |
| Provision for loan and lease losses | $395,000 | 4,890 |
| Total noninterest income | $1,418,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $26,000 | 6,826 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,392,000 | 1,736 |
| Total noninterest expense | $4,172,000 | 4,224 |
| Salaries and employee benefits | $2,872,000 | 3,311 |
| Premises and equipment expense | $257,000 | 5,999 |
| Additional noninterest expense | $1,043,000 | 5,136 |
| Pre-tax net operating income | $-876,000 | 6,207 |
| Securities gains (losses) | $559,000 | 814 |
| Applicable income taxes | $-1,517,000 | 7,430 |
| Income before extraordinary items | $1,200,000 | 2,483 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,200,000 | 2,481 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,200,000 | 2,482 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $342,000 | 608 |
| Net operating income | $842,240 | 2,998 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 5,788 |
| Total interest expense | $1,325,000 | 4,915 |
| Net interest income | $1,661,000 | 6,149 |
| Provision for loan and lease losses | $98,000 | 6,009 |
| Total noninterest income | $966,000 | 2,881 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $21,000 | 6,845 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $945,000 | 1,902 |
| Total noninterest expense | $3,022,000 | 4,333 |
| Salaries and employee benefits | $2,071,000 | 3,444 |
| Premises and equipment expense | $212,000 | 5,829 |
| Additional noninterest expense | $739,000 | 5,263 |
| Pre-tax net operating income | $-493,000 | 6,330 |
| Securities gains (losses) | $435,000 | 779 |
| Applicable income taxes | $-4,000 | 6,597 |
| Income before extraordinary items | $-54,000 | 5,895 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-54,000 | 5,895 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-54,000 | 5,895 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $322,000 | 503 |
| Net operating income | $-458,550 | 6,383 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 5,862 |
| Total interest expense | $897,000 | 5,001 |
| Net interest income | $1,076,000 | 6,231 |
| Provision for loan and lease losses | $65,000 | 5,770 |
| Total noninterest income | $636,000 | 2,927 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $0 | 7,241 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $636,000 | 1,915 |
| Total noninterest expense | $1,994,000 | 4,392 |
| Salaries and employee benefits | $1,372,000 | 3,495 |
| Premises and equipment expense | $149,000 | 5,767 |
| Additional noninterest expense | $473,000 | 5,393 |
| Pre-tax net operating income | $-347,000 | 6,482 |
| Securities gains (losses) | $238,000 | 912 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-109,000 | 6,206 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-109,000 | 6,205 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-109,000 | 6,205 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $294,000 | 420 |
| Net operating income | $-347,000 | 6,579 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $925,000 | 6,069 |
| Total interest expense | $460,000 | 5,051 |
| Net interest income | $465,000 | 6,554 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $367,000 | 2,661 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $2,000 | 7,175 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $365,000 | 1,717 |
| Total noninterest expense | $930,000 | 4,515 |
| Salaries and employee benefits | $650,000 | 3,689 |
| Premises and equipment expense | $244,000 | 2,728 |
| Additional noninterest expense | $36,000 | 8,048 |
| Pre-tax net operating income | $-143,000 | 6,767 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-143,000 | 6,915 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-143,000 | 6,916 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-143,000 | 6,916 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 245 |
| Net operating income | $-143,000 | 6,835 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,436,000 | 7,041 |
| Total interest expense | $1,701,000 | 5,694 |
| Net interest income | $735,000 | 7,878 |
| Provision for loan and lease losses | $385,000 | 4,193 |
| Total noninterest income | $639,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,219 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $633,000 | 2,814 |
| Total noninterest expense | $3,841,000 | 4,370 |
| Salaries and employee benefits | $2,487,000 | 3,788 |
| Premises and equipment expense | $277,000 | 5,987 |
| Additional noninterest expense | $1,077,000 | 4,605 |
| Pre-tax net operating income | $-2,852,000 | 7,557 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $5,000 | 4,660 |
| Income before extraordinary items | $-2,857,000 | 7,578 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,857,000 | 7,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $365,000 | 620 |
| Net operating income | $-2,857,000 | 7,651 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,542,000 | 7,381 |
| Total interest expense | $1,164,000 | 6,033 |
| Net interest income | $378,000 | 8,170 |
| Provision for loan and lease losses | $290,000 | 3,611 |
| Total noninterest income | $460,000 | 4,522 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $7,000 | 7,231 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $453,000 | 2,970 |
| Total noninterest expense | $2,436,000 | 4,841 |
| Salaries and employee benefits | $1,620,000 | 4,224 |
| Premises and equipment expense | $191,000 | 6,222 |
| Additional noninterest expense | $625,000 | 5,311 |
| Pre-tax net operating income | $-1,888,000 | 7,836 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $5,000 | 5,028 |
| Income before extraordinary items | $-1,893,000 | 7,839 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,893,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $163,000 | 635 |
| Net operating income | $-1,893,000 | 7,918 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $791,000 | 7,779 |
| Total interest expense | $617,000 | 6,637 |
| Net interest income | $174,000 | 8,332 |
| Provision for loan and lease losses | $192,000 | 3,222 |
| Total noninterest income | $76,000 | 7,031 |
| 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 | $72,000 | 5,593 |
| Total noninterest expense | $1,568,000 | 4,986 |
| Salaries and employee benefits | $1,038,000 | 4,396 |
| Premises and equipment expense | $226,000 | 4,788 |
| Additional noninterest expense | $304,000 | 6,155 |
| Pre-tax net operating income | $-1,510,000 | 8,082 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $4,000 | 5,280 |
| Income before extraordinary items | $-1,514,000 | 8,151 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,514,000 | 8,151 |
| 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 | $163,000 | 446 |
| Net operating income | $-1,514,000 | 8,142 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $239,000 | 8,234 |
| Total interest expense | $182,000 | 7,615 |
| Net interest income | $57,000 | 8,439 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $11,000 | 8,018 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $1,000 | 7,357 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,000 | 7,226 |
| Total noninterest expense | $550,000 | 6,047 |
| Salaries and employee benefits | $340,000 | 5,730 |
| Premises and equipment expense | $37,000 | 7,277 |
| Additional noninterest expense | $173,000 | 5,772 |
| Pre-tax net operating income | $-582,000 | 8,135 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-582,000 | 8,181 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-582,000 | 8,180 |
| 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 | $163,000 | 244 |
| Net operating income | $-582,000 | 8,169 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $167,000 | 8,501 |
| Total interest expense | $16,000 | 8,492 |
| Net interest income | $151,000 | 8,489 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $0 | 8,422 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $0 | 8,329 |
| Total noninterest expense | $1,406,000 | 7,054 |
| Salaries and employee benefits | $1,007,000 | 6,413 |
| Premises and equipment expense | $178,000 | 6,954 |
| Additional noninterest expense | $221,000 | 7,934 |
| Pre-tax net operating income | $-1,255,000 | 8,129 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,255,000 | 8,180 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,255,000 | 8,176 |
| 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 | $9,796,000 | 194 |
| Net operating income | $-1,255,000 | 8,172 |
* 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.