Home > Virginia Business Bank > Income and Expense
Virginia Business Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 4,777 |
| Total interest expense | $828,000 | 3,423 |
| Net interest income | $1,567,000 | 5,232 |
| Provision for loan and lease losses | $2,064,000 | 903 |
| Total noninterest income | $-23,000 | 7,241 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $4,000 | 6,967 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-27,000 | 7,092 |
| Total noninterest expense | $2,322,000 | 3,775 |
| Salaries and employee benefits | $841,000 | 4,685 |
| Premises and equipment expense | $207,000 | 4,578 |
| Additional noninterest expense | $1,274,000 | 2,599 |
| Pre-tax net operating income | $-2,842,000 | 7,252 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,842,000 | 7,280 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,842,000 | 7,281 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,842,000 | 7,281 |
| Net charge-offs | $3,009,000 | 687 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 831 |
| Net operating income | $-2,842,000 | 7,273 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,202,000 | 4,801 |
| Total interest expense | $430,000 | 3,430 |
| Net interest income | $772,000 | 5,262 |
| Provision for loan and lease losses | $2,064,000 | 508 |
| Total noninterest income | $-43,000 | 7,383 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $2,000 | 6,969 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-45,000 | 7,287 |
| Total noninterest expense | $1,205,000 | 3,686 |
| Salaries and employee benefits | $415,000 | 4,763 |
| Premises and equipment expense | $105,000 | 4,589 |
| Additional noninterest expense | $685,000 | 2,418 |
| Pre-tax net operating income | $-2,540,000 | 7,434 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-2,540,000 | 7,435 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,540,000 | 7,434 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,540,000 | 7,435 |
| Net charge-offs | $921,000 | 904 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $-2,540,000 | 7,437 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,655,000 | 4,045 |
| Total interest expense | $2,816,000 | 2,739 |
| Net interest income | $3,839,000 | 4,690 |
| Provision for loan and lease losses | $5,810,000 | 1,021 |
| Total noninterest income | $40,000 | 7,098 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $21,000 | 6,613 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $19,000 | 6,623 |
| Total noninterest expense | $4,913,000 | 3,661 |
| Salaries and employee benefits | $2,105,000 | 4,091 |
| Premises and equipment expense | $465,000 | 4,373 |
| Additional noninterest expense | $2,343,000 | 2,821 |
| Pre-tax net operating income | $-6,844,000 | 7,222 |
| Securities gains (losses) | $75,000 | 2,394 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,769,000 | 7,266 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,769,000 | 7,265 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,769,000 | 7,266 |
| Net charge-offs | $5,313,000 | 956 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $668,000 | 418 |
| Net operating income | $-6,844,000 | 7,256 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,214,000 | 4,004 |
| Total interest expense | $2,254,000 | 2,698 |
| Net interest income | $2,960,000 | 4,687 |
| Provision for loan and lease losses | $4,721,000 | 916 |
| Total noninterest income | $3,000 | 7,419 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $17,000 | 6,689 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-14,000 | 7,238 |
| Total noninterest expense | $3,779,000 | 3,592 |
| Salaries and employee benefits | $1,638,000 | 4,018 |
| Premises and equipment expense | $350,000 | 4,431 |
| Additional noninterest expense | $1,791,000 | 2,738 |
| Pre-tax net operating income | $-5,537,000 | 7,399 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,537,000 | 7,451 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,537,000 | 7,451 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,537,000 | 7,451 |
| Net charge-offs | $1,240,000 | 1,963 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $-88,000 | 7,704 |
| Net operating income | $-5,537,000 | 7,427 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,602,000 | 3,937 |
| Total interest expense | $1,575,000 | 2,687 |
| Net interest income | $2,027,000 | 4,608 |
| Provision for loan and lease losses | $2,613,000 | 1,052 |
| Total noninterest income | $16,000 | 7,367 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $12,000 | 6,717 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $4,000 | 7,074 |
| Total noninterest expense | $2,143,000 | 4,035 |
| Salaries and employee benefits | $1,114,000 | 3,976 |
| Premises and equipment expense | $247,000 | 4,299 |
| Additional noninterest expense | $782,000 | 3,845 |
| Pre-tax net operating income | $-2,713,000 | 7,377 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,713,000 | 7,419 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,713,000 | 7,419 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,713,000 | 7,419 |
| Net charge-offs | $1,068,000 | 1,654 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $-48,000 | 7,780 |
| Net operating income | $-2,713,000 | 7,411 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,859,000 | 3,915 |
| Total interest expense | $817,000 | 2,715 |
| Net interest income | $1,042,000 | 4,553 |
| Provision for loan and lease losses | $1,550,000 | 875 |
| Total noninterest income | $9,000 | 7,461 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $6,000 | 6,781 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,000 | 7,164 |
| Total noninterest expense | $1,091,000 | 4,030 |
| Salaries and employee benefits | $594,000 | 3,857 |
| Premises and equipment expense | $159,000 | 3,729 |
| Additional noninterest expense | $338,000 | 4,259 |
| Pre-tax net operating income | $-1,590,000 | 7,540 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,590,000 | 7,586 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,590,000 | 7,587 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,590,000 | 7,587 |
| Net charge-offs | $140,000 | 2,795 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $-35,000 | 7,894 |
| Net operating income | $-1,590,000 | 7,585 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,626,000 | 3,625 |
| Total interest expense | $4,286,000 | 2,582 |
| Net interest income | $4,340,000 | 4,336 |
| Provision for loan and lease losses | $4,253,000 | 1,606 |
| Total noninterest income | $-90,000 | 7,775 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $30,000 | 6,767 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-120,000 | 7,617 |
| Total noninterest expense | $4,873,000 | 3,776 |
| Salaries and employee benefits | $2,283,000 | 3,970 |
| Premises and equipment expense | $472,000 | 4,527 |
| Additional noninterest expense | $2,118,000 | 3,172 |
| Pre-tax net operating income | $-4,876,000 | 7,176 |
| Securities gains (losses) | $698,000 | 682 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-4,178,000 | 7,177 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,178,000 | 7,176 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,178,000 | 7,176 |
| Net charge-offs | $2,491,000 | 1,798 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $2,577,000 | 297 |
| Net operating income | $-4,876,000 | 7,272 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,622,000 | 3,614 |
| Total interest expense | $3,416,000 | 2,558 |
| Net interest income | $3,206,000 | 4,396 |
| Provision for loan and lease losses | $4,202,000 | 1,187 |
| Total noninterest income | $34,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $23,000 | 6,813 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $11,000 | 7,238 |
| Total noninterest expense | $3,494,000 | 3,911 |
| Salaries and employee benefits | $1,631,000 | 4,132 |
| Premises and equipment expense | $345,000 | 4,659 |
| Additional noninterest expense | $1,518,000 | 3,257 |
| Pre-tax net operating income | $-4,456,000 | 7,458 |
| Securities gains (losses) | $193,000 | 1,310 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-4,263,000 | 7,512 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,263,000 | 7,512 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,263,000 | 7,512 |
| Net charge-offs | $1,611,000 | 1,701 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,119 |
| Net operating income | $-4,456,000 | 7,537 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,549,000 | 3,563 |
| Total interest expense | $2,353,000 | 2,583 |
| Net interest income | $2,196,000 | 4,305 |
| Provision for loan and lease losses | $3,952,000 | 900 |
| Total noninterest income | $18,000 | 7,706 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $17,000 | 6,819 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,000 | 7,675 |
| Total noninterest expense | $2,312,000 | 3,949 |
| Salaries and employee benefits | $1,112,000 | 4,097 |
| Premises and equipment expense | $232,000 | 4,670 |
| Additional noninterest expense | $968,000 | 3,369 |
| Pre-tax net operating income | $-4,050,000 | 7,666 |
| Securities gains (losses) | $193,000 | 1,036 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,857,000 | 7,716 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,857,000 | 7,715 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,857,000 | 7,715 |
| Net charge-offs | $1,447,000 | 1,367 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 614 |
| Net operating income | $-4,050,000 | 7,739 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,289,000 | 3,574 |
| Total interest expense | $1,186,000 | 2,659 |
| Net interest income | $1,103,000 | 4,264 |
| Provision for loan and lease losses | $101,000 | 3,838 |
| Total noninterest income | $9,000 | 7,788 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $9,000 | 6,767 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $0 | 7,833 |
| Total noninterest expense | $1,054,000 | 4,146 |
| Salaries and employee benefits | $553,000 | 4,142 |
| Premises and equipment expense | $119,000 | 4,641 |
| Additional noninterest expense | $382,000 | 3,717 |
| Pre-tax net operating income | $-43,000 | 6,474 |
| Securities gains (losses) | $59,000 | 1,231 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $16,000 | 6,215 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $16,000 | 6,217 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $16,000 | 6,217 |
| Net charge-offs | $60,000 | 3,375 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 425 |
| Net operating income | $-43,000 | 6,512 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,471,000 | 4,311 |
| Total interest expense | $4,249,000 | 3,360 |
| Net interest income | $3,222,000 | 5,210 |
| Provision for loan and lease losses | $1,661,000 | 2,025 |
| Total noninterest income | $22,000 | 7,932 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,122 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $8,000 | 7,741 |
| Total noninterest expense | $3,993,000 | 4,236 |
| Salaries and employee benefits | $2,569,000 | 3,706 |
| Premises and equipment expense | $432,000 | 4,875 |
| Additional noninterest expense | $992,000 | 4,847 |
| Pre-tax net operating income | $-2,410,000 | 7,473 |
| Securities gains (losses) | $49,000 | 1,613 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,361,000 | 7,478 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,361,000 | 7,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 2,874 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 825 |
| Net operating income | $-2,410,000 | 7,575 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,284,000 | 4,537 |
| Total interest expense | $2,962,000 | 3,658 |
| Net interest income | $2,322,000 | 5,367 |
| Provision for loan and lease losses | $880,000 | 1,983 |
| Total noninterest income | $14,000 | 8,083 |
| 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 | $7,000 | 7,869 |
| Total noninterest expense | $3,171,000 | 4,054 |
| Salaries and employee benefits | $2,126,000 | 3,446 |
| Premises and equipment expense | $315,000 | 4,978 |
| Additional noninterest expense | $730,000 | 4,826 |
| Pre-tax net operating income | $-1,715,000 | 7,793 |
| Securities gains (losses) | $49,000 | 1,442 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,666,000 | 7,771 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,666,000 | 7,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,653 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 610 |
| Net operating income | $-1,715,000 | 7,869 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 4,886 |
| Total interest expense | $1,836,000 | 3,955 |
| Net interest income | $1,364,000 | 5,753 |
| Provision for loan and lease losses | $434,000 | 2,062 |
| Total noninterest income | $8,000 | 8,173 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $3,000 | 7,319 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $5,000 | 7,937 |
| Total noninterest expense | $2,123,000 | 4,064 |
| Salaries and employee benefits | $1,417,000 | 3,488 |
| Premises and equipment expense | $210,000 | 5,004 |
| Additional noninterest expense | $496,000 | 4,745 |
| Pre-tax net operating income | $-1,185,000 | 7,994 |
| Securities gains (losses) | $49,000 | 1,459 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,136,000 | 8,047 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,136,000 | 8,047 |
| 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 | $133,000 | 513 |
| Net operating income | $-1,185,000 | 8,051 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 5,281 |
| Total interest expense | $820,000 | 4,443 |
| Net interest income | $630,000 | 5,972 |
| Provision for loan and lease losses | $217,000 | 1,742 |
| Total noninterest income | $-9,000 | 8,429 |
| 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 | 8,402 |
| Total noninterest expense | $1,057,000 | 4,074 |
| Salaries and employee benefits | $724,000 | 3,459 |
| Premises and equipment expense | $105,000 | 5,030 |
| Additional noninterest expense | $228,000 | 4,974 |
| Pre-tax net operating income | $-653,000 | 8,167 |
| Securities gains (losses) | $49,000 | 1,096 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-604,000 | 8,196 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-604,000 | 8,195 |
| 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 | $84,000 | 357 |
| Net operating income | $-653,000 | 8,204 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,020,000 | 6,218 |
| Total interest expense | $1,736,000 | 6,142 |
| Net interest income | $2,284,000 | 6,185 |
| Provision for loan and lease losses | $580,000 | 2,107 |
| Total noninterest income | $-14,000 | 8,492 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,000 | 7,419 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-17,000 | 8,466 |
| Total noninterest expense | $3,430,000 | 4,593 |
| Salaries and employee benefits | $2,238,000 | 4,034 |
| Premises and equipment expense | $296,000 | 5,799 |
| Additional noninterest expense | $896,000 | 4,978 |
| Pre-tax net operating income | $-1,740,000 | 8,239 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,740,000 | 8,282 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,740,000 | 8,279 |
| 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 | $152,000 | 824 |
| Net operating income | $-1,740,000 | 8,270 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,753,000 | 6,452 |
| Total interest expense | $1,118,000 | 6,474 |
| Net interest income | $1,635,000 | 6,352 |
| Provision for loan and lease losses | $245,000 | 2,643 |
| Total noninterest income | $-11,000 | 8,523 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,000 | 7,448 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-13,000 | 8,505 |
| Total noninterest expense | $2,539,000 | 4,612 |
| Salaries and employee benefits | $1,785,000 | 3,854 |
| Premises and equipment expense | $204,000 | 6,025 |
| Additional noninterest expense | $550,000 | 5,562 |
| Pre-tax net operating income | $-1,160,000 | 8,326 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,160,000 | 8,361 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,160,000 | 8,359 |
| 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 | $101,000 | 751 |
| Net operating income | $-1,160,000 | 8,353 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 6,741 |
| Total interest expense | $651,000 | 6,760 |
| Net interest income | $978,000 | 6,644 |
| Provision for loan and lease losses | $192,000 | 2,225 |
| Total noninterest income | $29,000 | 8,060 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,000 | 7,510 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $28,000 | 7,057 |
| Total noninterest expense | $1,645,000 | 4,718 |
| Salaries and employee benefits | $1,147,000 | 3,979 |
| Premises and equipment expense | $135,000 | 6,081 |
| Additional noninterest expense | $363,000 | 5,579 |
| Pre-tax net operating income | $-830,000 | 8,414 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-830,000 | 8,447 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-830,000 | 8,445 |
| 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 | $60,000 | 701 |
| Net operating income | $-830,000 | 8,438 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $705,000 | 7,075 |
| Total interest expense | $274,000 | 7,088 |
| Net interest income | $431,000 | 6,950 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $12,000 | 8,183 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $824,000 | 4,721 |
| Salaries and employee benefits | $585,000 | 3,956 |
| Premises and equipment expense | $62,000 | 6,319 |
| Additional noninterest expense | $177,000 | 5,639 |
| Pre-tax net operating income | $-471,000 | 8,506 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-471,000 | 8,525 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-471,000 | 8,523 |
| 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 | $67,000 | 426 |
| Net operating income | $-471,000 | 8,518 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,393,000 | 8,011 |
| Total interest expense | $207,000 | 8,409 |
| Net interest income | $1,186,000 | 7,601 |
| Provision for loan and lease losses | $303,000 | 2,737 |
| Total noninterest income | $2,000 | 8,568 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,000 | 7,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,495 |
| Total noninterest expense | $3,318,000 | 4,556 |
| Salaries and employee benefits | $1,643,000 | 4,901 |
| Premises and equipment expense | $185,000 | 6,878 |
| Additional noninterest expense | $1,490,000 | 3,304 |
| Pre-tax net operating income | $-2,433,000 | 8,607 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-2,433,000 | 8,618 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-2,433,000 | 8,618 |
| 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 | $17,198,000 | 104 |
| Net operating income | $-2,433,000 | 8,612 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $871,000 | 8,225 |
| Total interest expense | $68,000 | 8,602 |
| Net interest income | $803,000 | 7,818 |
| Provision for loan and lease losses | $126,000 | 3,745 |
| Total noninterest income | $0 | 8,684 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $2,385,000 | 4,680 |
| Salaries and employee benefits | $1,202,000 | 4,966 |
| Premises and equipment expense | $122,000 | 7,130 |
| Additional noninterest expense | $1,061,000 | 3,444 |
| Pre-tax net operating income | $-1,708,000 | 8,676 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-1,708,000 | 8,692 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,708,000 | 8,692 |
| 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 | $16,791,000 | 83 |
| Net operating income | $-1,708,000 | 8,681 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $505,000 | 8,389 |
| Total interest expense | $17,000 | 8,694 |
| Net interest income | $488,000 | 7,988 |
| Provision for loan and lease losses | $47,000 | 4,552 |
| Total noninterest income | $0 | 8,702 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $1,692,000 | 4,502 |
| Salaries and employee benefits | $1,138,000 | 3,896 |
| Premises and equipment expense | $64,000 | 7,536 |
| Additional noninterest expense | $490,000 | 4,551 |
| Pre-tax net operating income | $-1,251,000 | 8,718 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-1,251,000 | 8,726 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,251,000 | 8,726 |
| 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 | $16,748,000 | 47 |
| Net operating income | $-1,251,000 | 8,718 |
* 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.