Home > Warren Bank > Income and Expense
Warren Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,491,000 | 1,421 |
| Total interest expense | $13,418,000 | 682 |
| Net interest income | $5,073,000 | 3,153 |
| Provision for loan and lease losses | $20,100,000 | 384 |
| Total noninterest income | $2,913,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $275,000 | 3,494 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,638,000 | 948 |
| Total noninterest expense | $15,708,000 | 985 |
| Salaries and employee benefits | $5,335,000 | 1,437 |
| Premises and equipment expense | $921,000 | 2,191 |
| Additional noninterest expense | $9,452,000 | 611 |
| Pre-tax net operating income | $-27,822,000 | 7,919 |
| Securities gains (losses) | $1,472,000 | 265 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-26,350,000 | 7,926 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-26,350,000 | 7,926 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-26,350,000 | 7,926 |
| Net charge-offs | $22,848,000 | 269 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-27,822,000 | 7,938 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,709,000 | 1,404 |
| Total interest expense | $9,549,000 | 676 |
| Net interest income | $3,160,000 | 3,313 |
| Provision for loan and lease losses | $19,350,000 | 304 |
| Total noninterest income | $1,869,000 | 1,415 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $183,000 | 3,484 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,686,000 | 1,009 |
| Total noninterest expense | $10,087,000 | 1,041 |
| Salaries and employee benefits | $3,425,000 | 1,513 |
| Premises and equipment expense | $625,000 | 2,184 |
| Additional noninterest expense | $6,037,000 | 646 |
| Pre-tax net operating income | $-24,408,000 | 8,039 |
| Securities gains (losses) | $1,390,000 | 216 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-23,018,000 | 8,050 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-23,018,000 | 8,050 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-23,018,000 | 8,050 |
| Net charge-offs | $22,203,000 | 221 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-24,408,000 | 8,049 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,607,000 | 1,368 |
| Total interest expense | $4,834,000 | 692 |
| Net interest income | $1,773,000 | 3,005 |
| Provision for loan and lease losses | $18,600,000 | 166 |
| Total noninterest income | $839,000 | 1,499 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $98,000 | 3,301 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $741,000 | 1,073 |
| Total noninterest expense | $5,282,000 | 963 |
| Salaries and employee benefits | $1,754,000 | 1,495 |
| Premises and equipment expense | $333,000 | 2,091 |
| Additional noninterest expense | $3,195,000 | 556 |
| Pre-tax net operating income | $-21,270,000 | 8,152 |
| Securities gains (losses) | $459,000 | 362 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-20,811,000 | 8,158 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-20,811,000 | 8,158 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-20,811,000 | 8,158 |
| Net charge-offs | $21,916,000 | 119 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-21,270,000 | 8,158 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $31,396,000 | 1,221 |
| Total interest expense | $20,022,000 | 781 |
| Net interest income | $11,374,000 | 1,952 |
| Provision for loan and lease losses | $15,214,000 | 445 |
| Total noninterest income | $3,471,000 | 1,412 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $506,000 | 2,986 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,965,000 | 975 |
| Total noninterest expense | $21,647,000 | 918 |
| Salaries and employee benefits | $6,438,000 | 1,603 |
| Premises and equipment expense | $1,278,000 | 2,114 |
| Additional noninterest expense | $13,931,000 | 506 |
| Pre-tax net operating income | $-22,016,000 | 8,114 |
| Securities gains (losses) | $113,000 | 1,043 |
| Applicable income taxes | $-2,068,000 | 7,927 |
| Income before extraordinary items | $-19,835,000 | 8,094 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-19,835,000 | 8,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,269,000 | 235 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-19,937,830 | 8,116 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $24,167,000 | 1,215 |
| Total interest expense | $14,960,000 | 824 |
| Net interest income | $9,207,000 | 1,831 |
| Provision for loan and lease losses | $1,780,000 | 1,276 |
| Total noninterest income | $2,836,000 | 1,361 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $399,000 | 2,892 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,437,000 | 954 |
| Total noninterest expense | $13,356,000 | 1,095 |
| Salaries and employee benefits | $4,877,000 | 1,611 |
| Premises and equipment expense | $946,000 | 2,151 |
| Additional noninterest expense | $7,533,000 | 639 |
| Pre-tax net operating income | $-3,093,000 | 8,029 |
| Securities gains (losses) | $32,000 | 1,715 |
| Applicable income taxes | $-35,000 | 7,412 |
| Income before extraordinary items | $-3,026,000 | 8,017 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,026,000 | 8,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,333,000 | 273 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,057,680 | 8,076 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,366,000 | 1,208 |
| Total interest expense | $10,028,000 | 855 |
| Net interest income | $6,338,000 | 1,761 |
| Provision for loan and lease losses | $790,000 | 1,432 |
| Total noninterest income | $1,236,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $292,000 | 2,698 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $944,000 | 1,458 |
| Total noninterest expense | $6,312,000 | 1,533 |
| Salaries and employee benefits | $3,185,000 | 1,650 |
| Premises and equipment expense | $634,000 | 2,134 |
| Additional noninterest expense | $2,493,000 | 1,190 |
| Pre-tax net operating income | $472,000 | 4,464 |
| Securities gains (losses) | $29,000 | 1,807 |
| Applicable income taxes | $15,000 | 4,827 |
| Income before extraordinary items | $486,000 | 4,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $486,000 | 4,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,083,000 | 354 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $457,870 | 4,144 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,869,000 | 1,142 |
| Total interest expense | $5,234,000 | 871 |
| Net interest income | $3,635,000 | 1,526 |
| Provision for loan and lease losses | $400,000 | 1,144 |
| Total noninterest income | $470,000 | 2,321 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $152,000 | 2,585 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $318,000 | 1,901 |
| Total noninterest expense | $3,424,000 | 1,396 |
| Salaries and employee benefits | $1,543,000 | 1,705 |
| Premises and equipment expense | $329,000 | 2,058 |
| Additional noninterest expense | $1,552,000 | 927 |
| Pre-tax net operating income | $281,000 | 4,294 |
| Securities gains (losses) | $30,000 | 1,366 |
| Applicable income taxes | $25,000 | 4,203 |
| Income before extraordinary items | $286,000 | 3,906 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $286,000 | 3,909 |
| 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 | $258,400 | 4,034 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $41,864,000 | 1,006 |
| Total interest expense | $26,286,000 | 744 |
| Net interest income | $15,578,000 | 1,435 |
| Provision for loan and lease losses | $25,205,000 | 133 |
| Total noninterest income | $1,375,000 | 2,858 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $610,000 | 2,639 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $765,000 | 2,620 |
| Total noninterest expense | $10,168,000 | 1,812 |
| Salaries and employee benefits | $6,478,000 | 1,563 |
| Premises and equipment expense | $1,321,000 | 1,982 |
| Additional noninterest expense | $2,369,000 | 2,284 |
| Pre-tax net operating income | $-18,420,000 | 8,501 |
| Securities gains (losses) | $46,000 | 828 |
| Applicable income taxes | $-7,316,000 | 8,504 |
| Income before extraordinary items | $-11,058,000 | 8,491 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-11,058,000 | 8,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,997,000 | 273 |
| Cash dividends | $2,808,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-11,087,440 | 8,487 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $32,143,000 | 985 |
| Total interest expense | $20,052,000 | 730 |
| Net interest income | $12,091,000 | 1,397 |
| Provision for loan and lease losses | $1,380,000 | 689 |
| Total noninterest income | $1,012,000 | 2,896 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $446,000 | 2,674 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $566,000 | 2,651 |
| Total noninterest expense | $7,550,000 | 1,809 |
| Salaries and employee benefits | $4,902,000 | 1,545 |
| Premises and equipment expense | $989,000 | 1,958 |
| Additional noninterest expense | $1,659,000 | 2,393 |
| Pre-tax net operating income | $4,173,000 | 1,616 |
| Securities gains (losses) | $20,000 | 826 |
| Applicable income taxes | $962,000 | 1,695 |
| Income before extraordinary items | $3,231,000 | 1,564 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,231,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $597,000 | 942 |
| Cash dividends | $1,308,000 | 1,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,215,600 | 1,562 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,421,000 | 995 |
| Total interest expense | $13,335,000 | 742 |
| Net interest income | $8,086,000 | 1,417 |
| Provision for loan and lease losses | $550,000 | 943 |
| Total noninterest income | $644,000 | 3,002 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $284,000 | 2,771 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $360,000 | 2,727 |
| Total noninterest expense | $4,934,000 | 1,868 |
| Salaries and employee benefits | $3,235,000 | 1,586 |
| Premises and equipment expense | $663,000 | 1,964 |
| Additional noninterest expense | $1,036,000 | 2,544 |
| Pre-tax net operating income | $3,246,000 | 1,441 |
| Securities gains (losses) | $14,000 | 780 |
| Applicable income taxes | $675,000 | 1,710 |
| Income before extraordinary items | $2,585,000 | 1,377 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,585,000 | 1,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 740 |
| Cash dividends | $1,008,000 | 1,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,573,940 | 1,360 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,837,000 | 977 |
| Total interest expense | $6,678,000 | 731 |
| Net interest income | $4,159,000 | 1,362 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $334,000 | 2,901 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $133,000 | 2,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $201,000 | 2,538 |
| Total noninterest expense | $2,514,000 | 1,833 |
| Salaries and employee benefits | $1,624,000 | 1,599 |
| Premises and equipment expense | $334,000 | 1,953 |
| Additional noninterest expense | $556,000 | 2,374 |
| Pre-tax net operating income | $1,904,000 | 1,231 |
| Securities gains (losses) | $14,000 | 632 |
| Applicable income taxes | $350,000 | 1,669 |
| Income before extraordinary items | $1,568,000 | 1,125 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,568,000 | 1,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,058 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,556,520 | 1,117 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $42,702,000 | 914 |
| Total interest expense | $25,037,000 | 678 |
| Net interest income | $17,665,000 | 1,285 |
| Provision for loan and lease losses | $125,000 | 4,315 |
| Total noninterest income | $1,215,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $544,000 | 2,886 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $671,000 | 2,818 |
| Total noninterest expense | $9,598,000 | 1,861 |
| Salaries and employee benefits | $6,438,000 | 1,535 |
| Premises and equipment expense | $1,290,000 | 1,951 |
| Additional noninterest expense | $1,870,000 | 2,724 |
| Pre-tax net operating income | $9,157,000 | 1,072 |
| Securities gains (losses) | $28,000 | 819 |
| Applicable income taxes | $2,390,000 | 1,152 |
| Income before extraordinary items | $6,795,000 | 1,098 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,795,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 1,123 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,774,280 | 1,088 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,662,000 | 925 |
| Total interest expense | $18,130,000 | 689 |
| Net interest income | $13,532,000 | 1,274 |
| Provision for loan and lease losses | $125,000 | 3,756 |
| Total noninterest income | $862,000 | 3,229 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $390,000 | 2,994 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $472,000 | 2,940 |
| Total noninterest expense | $7,086,000 | 1,876 |
| Salaries and employee benefits | $4,756,000 | 1,563 |
| Premises and equipment expense | $1,029,000 | 1,836 |
| Additional noninterest expense | $1,301,000 | 2,896 |
| Pre-tax net operating income | $7,183,000 | 1,067 |
| Securities gains (losses) | $9,000 | 918 |
| Applicable income taxes | $1,950,000 | 1,114 |
| Income before extraordinary items | $5,242,000 | 1,102 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,242,000 | 1,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 1,411 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,235,430 | 1,092 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,526,000 | 935 |
| Total interest expense | $11,523,000 | 682 |
| Net interest income | $9,003,000 | 1,271 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $513,000 | 3,466 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $233,000 | 3,206 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $280,000 | 3,139 |
| Total noninterest expense | $4,646,000 | 1,906 |
| Salaries and employee benefits | $3,143,000 | 1,576 |
| Premises and equipment expense | $683,000 | 1,846 |
| Additional noninterest expense | $820,000 | 3,072 |
| Pre-tax net operating income | $4,745,000 | 1,073 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,275,000 | 1,140 |
| Income before extraordinary items | $3,470,000 | 1,108 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,470,000 | 1,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 895 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,470,000 | 1,089 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,910,000 | 937 |
| Total interest expense | $5,411,000 | 680 |
| Net interest income | $4,499,000 | 1,264 |
| Provision for loan and lease losses | $125,000 | 1,687 |
| Total noninterest income | $248,000 | 3,492 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $111,000 | 3,255 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $137,000 | 3,134 |
| Total noninterest expense | $2,282,000 | 1,951 |
| Salaries and employee benefits | $1,530,000 | 1,622 |
| Premises and equipment expense | $335,000 | 1,884 |
| Additional noninterest expense | $417,000 | 3,000 |
| Pre-tax net operating income | $2,340,000 | 1,062 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $650,000 | 1,112 |
| Income before extraordinary items | $1,690,000 | 1,106 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,690,000 | 1,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,487 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,690,000 | 1,091 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,348,000 | 955 |
| Total interest expense | $17,186,000 | 669 |
| Net interest income | $17,162,000 | 1,269 |
| Provision for loan and lease losses | $770,000 | 1,311 |
| Total noninterest income | $1,222,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $478,000 | 3,146 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $744,000 | 2,658 |
| Total noninterest expense | $8,478,000 | 1,974 |
| Salaries and employee benefits | $5,779,000 | 1,615 |
| Premises and equipment expense | $1,240,000 | 1,939 |
| Additional noninterest expense | $1,459,000 | 3,302 |
| Pre-tax net operating income | $9,136,000 | 1,058 |
| Securities gains (losses) | $111,000 | 666 |
| Applicable income taxes | $2,665,000 | 1,068 |
| Income before extraordinary items | $6,582,000 | 1,105 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,582,000 | 1,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $614,000 | 981 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,503,190 | 1,094 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $24,947,000 | 958 |
| Total interest expense | $12,287,000 | 663 |
| Net interest income | $12,660,000 | 1,272 |
| Provision for loan and lease losses | $520,000 | 1,361 |
| Total noninterest income | $842,000 | 3,297 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $350,000 | 3,209 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $492,000 | 2,921 |
| Total noninterest expense | $6,658,000 | 1,886 |
| Salaries and employee benefits | $4,394,000 | 1,584 |
| Premises and equipment expense | $989,000 | 1,821 |
| Additional noninterest expense | $1,275,000 | 2,877 |
| Pre-tax net operating income | $6,324,000 | 1,128 |
| Securities gains (losses) | $111,000 | 628 |
| Applicable income taxes | $1,940,000 | 1,100 |
| Income before extraordinary items | $4,495,000 | 1,203 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,495,000 | 1,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 1,534 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,417,300 | 1,200 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $16,058,000 | 970 |
| Total interest expense | $7,812,000 | 648 |
| Net interest income | $8,246,000 | 1,303 |
| Provision for loan and lease losses | $500,000 | 966 |
| Total noninterest income | $612,000 | 3,049 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $237,000 | 3,131 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $375,000 | 2,649 |
| Total noninterest expense | $4,298,000 | 1,928 |
| Salaries and employee benefits | $2,854,000 | 1,618 |
| Premises and equipment expense | $660,000 | 1,808 |
| Additional noninterest expense | $784,000 | 3,070 |
| Pre-tax net operating income | $4,060,000 | 1,147 |
| Securities gains (losses) | $94,000 | 592 |
| Applicable income taxes | $1,250,000 | 1,111 |
| Income before extraordinary items | $2,904,000 | 1,214 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,904,000 | 1,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,316 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,838,200 | 1,213 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,862,000 | 971 |
| Total interest expense | $3,699,000 | 646 |
| Net interest income | $4,163,000 | 1,279 |
| Provision for loan and lease losses | $375,000 | 622 |
| Total noninterest income | $293,000 | 3,109 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $112,000 | 3,197 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $181,000 | 2,647 |
| Total noninterest expense | $2,119,000 | 1,951 |
| Salaries and employee benefits | $1,387,000 | 1,660 |
| Premises and equipment expense | $333,000 | 1,804 |
| Additional noninterest expense | $399,000 | 3,017 |
| Pre-tax net operating income | $1,962,000 | 1,169 |
| Securities gains (losses) | $87,000 | 401 |
| Applicable income taxes | $625,000 | 1,104 |
| Income before extraordinary items | $1,424,000 | 1,215 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,424,000 | 1,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,363,970 | 1,246 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,460,000 | 1,072 |
| Total interest expense | $11,924,000 | 690 |
| Net interest income | $14,536,000 | 1,391 |
| Provision for loan and lease losses | $1,630,000 | 661 |
| Total noninterest income | $1,237,000 | 3,057 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $444,000 | 3,410 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $793,000 | 2,512 |
| Total noninterest expense | $6,118,000 | 2,582 |
| Salaries and employee benefits | $3,830,000 | 2,273 |
| Premises and equipment expense | $1,010,000 | 2,270 |
| Additional noninterest expense | $1,278,000 | 3,572 |
| Pre-tax net operating income | $8,025,000 | 1,092 |
| Securities gains (losses) | $206,000 | 818 |
| Applicable income taxes | $2,377,000 | 1,097 |
| Income before extraordinary items | $5,854,000 | 1,109 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,854,000 | 1,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 910 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,707,740 | 1,115 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,087,000 | 1,096 |
| Total interest expense | $8,435,000 | 722 |
| Net interest income | $10,652,000 | 1,410 |
| Provision for loan and lease losses | $580,000 | 1,270 |
| Total noninterest income | $987,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $324,000 | 3,480 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $663,000 | 2,344 |
| Total noninterest expense | $4,825,000 | 2,462 |
| Salaries and employee benefits | $2,894,000 | 2,234 |
| Premises and equipment expense | $797,000 | 2,147 |
| Additional noninterest expense | $1,134,000 | 3,093 |
| Pre-tax net operating income | $6,234,000 | 1,062 |
| Securities gains (losses) | $66,000 | 1,451 |
| Applicable income taxes | $2,127,000 | 967 |
| Income before extraordinary items | $4,173,000 | 1,183 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,173,000 | 1,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 839 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,129,440 | 1,159 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,982,000 | 1,147 |
| Total interest expense | $5,412,000 | 736 |
| Net interest income | $6,570,000 | 1,513 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $787,000 | 2,624 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $202,000 | 3,621 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $585,000 | 1,961 |
| Total noninterest expense | $3,240,000 | 2,452 |
| Salaries and employee benefits | $1,919,000 | 2,249 |
| Premises and equipment expense | $525,000 | 2,175 |
| Additional noninterest expense | $796,000 | 2,952 |
| Pre-tax net operating income | $4,097,000 | 1,059 |
| Securities gains (losses) | $66,000 | 1,282 |
| Applicable income taxes | $1,417,000 | 962 |
| Income before extraordinary items | $2,746,000 | 1,196 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,746,000 | 1,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,992 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,702,440 | 1,168 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,897,000 | 1,180 |
| Total interest expense | $2,679,000 | 753 |
| Net interest income | $3,218,000 | 1,549 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $207,000 | 3,986 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 3,485 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $103,000 | 3,651 |
| Total noninterest expense | $1,510,000 | 2,605 |
| Salaries and employee benefits | $868,000 | 2,498 |
| Premises and equipment expense | $266,000 | 2,168 |
| Additional noninterest expense | $376,000 | 3,078 |
| Pre-tax net operating income | $1,915,000 | 1,111 |
| Securities gains (losses) | $66,000 | 1,037 |
| Applicable income taxes | $617,000 | 1,101 |
| Income before extraordinary items | $1,364,000 | 1,193 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,364,000 | 1,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,206 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,318,460 | 1,167 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,238,000 | 1,275 |
| Total interest expense | $11,151,000 | 796 |
| Net interest income | $11,087,000 | 1,761 |
| Provision for loan and lease losses | $1,263,000 | 938 |
| Total noninterest income | $758,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $375,000 | 3,788 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $383,000 | 4,061 |
| Total noninterest expense | $5,675,000 | 2,739 |
| Salaries and employee benefits | $3,357,000 | 2,503 |
| Premises and equipment expense | $1,014,000 | 2,236 |
| Additional noninterest expense | $1,304,000 | 3,482 |
| Pre-tax net operating income | $4,907,000 | 1,660 |
| Securities gains (losses) | $442,000 | 820 |
| Applicable income taxes | $1,705,000 | 1,449 |
| Income before extraordinary items | $3,644,000 | 1,707 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,644,000 | 1,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,600 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,343,440 | 1,768 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,528,000 | 1,311 |
| Total interest expense | $8,478,000 | 824 |
| Net interest income | $8,050,000 | 1,837 |
| Provision for loan and lease losses | $963,000 | 929 |
| Total noninterest income | $528,000 | 4,592 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $273,000 | 3,870 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $255,000 | 4,344 |
| Total noninterest expense | $4,331,000 | 2,688 |
| Salaries and employee benefits | $2,569,000 | 2,461 |
| Premises and equipment expense | $762,000 | 2,239 |
| Additional noninterest expense | $1,000,000 | 3,400 |
| Pre-tax net operating income | $3,284,000 | 1,898 |
| Securities gains (losses) | $415,000 | 775 |
| Applicable income taxes | $1,194,000 | 1,622 |
| Income before extraordinary items | $2,505,000 | 1,917 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,505,000 | 1,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,669 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,222,800 | 2,012 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,947,000 | 1,332 |
| Total interest expense | $5,617,000 | 851 |
| Net interest income | $5,330,000 | 1,831 |
| Provision for loan and lease losses | $800,000 | 760 |
| Total noninterest income | $331,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $167,000 | 4,050 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $164,000 | 4,400 |
| Total noninterest expense | $2,886,000 | 2,691 |
| Salaries and employee benefits | $1,741,000 | 2,418 |
| Premises and equipment expense | $508,000 | 2,224 |
| Additional noninterest expense | $637,000 | 3,530 |
| Pre-tax net operating income | $1,975,000 | 2,061 |
| Securities gains (losses) | $384,000 | 686 |
| Applicable income taxes | $784,000 | 1,651 |
| Income before extraordinary items | $1,575,000 | 2,015 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,575,000 | 2,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,317,720 | 2,229 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,450,000 | 1,346 |
| Total interest expense | $2,729,000 | 901 |
| Net interest income | $2,721,000 | 1,786 |
| Provision for loan and lease losses | $450,000 | 656 |
| Total noninterest income | $147,000 | 4,940 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $69,000 | 4,419 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 4,393 |
| Total noninterest expense | $1,446,000 | 2,671 |
| Salaries and employee benefits | $867,000 | 2,435 |
| Premises and equipment expense | $246,000 | 2,277 |
| Additional noninterest expense | $333,000 | 3,335 |
| Pre-tax net operating income | $972,000 | 2,093 |
| Securities gains (losses) | $154,000 | 782 |
| Applicable income taxes | $369,000 | 1,742 |
| Income before extraordinary items | $757,000 | 2,067 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $757,000 | 2,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $653,820 | 2,213 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,537,000 | 1,428 |
| Total interest expense | $10,902,000 | 1,024 |
| Net interest income | $10,635,000 | 1,824 |
| Provision for loan and lease losses | $1,780,000 | 824 |
| Total noninterest income | $500,000 | 5,217 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $265,000 | 4,553 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $235,000 | 4,710 |
| Total noninterest expense | $4,984,000 | 2,936 |
| Salaries and employee benefits | $3,066,000 | 2,575 |
| Premises and equipment expense | $661,000 | 3,148 |
| Additional noninterest expense | $1,257,000 | 3,479 |
| Pre-tax net operating income | $4,371,000 | 1,850 |
| Securities gains (losses) | $133,000 | 1,485 |
| Applicable income taxes | $1,568,000 | 1,593 |
| Income before extraordinary items | $2,936,000 | 2,041 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,936,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $571,000 | 1,489 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,849,550 | 2,028 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,488,000 | 1,659 |
| Total interest expense | $12,256,000 | 1,328 |
| Net interest income | $8,232,000 | 2,179 |
| Provision for loan and lease losses | $1,509,000 | 895 |
| Total noninterest income | $439,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $287,000 | 4,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $152,000 | 5,527 |
| Total noninterest expense | $3,951,000 | 3,468 |
| Salaries and employee benefits | $2,397,000 | 3,064 |
| Premises and equipment expense | $585,000 | 3,435 |
| Additional noninterest expense | $969,000 | 4,170 |
| Pre-tax net operating income | $3,211,000 | 2,138 |
| Securities gains (losses) | $109,000 | 1,681 |
| Applicable income taxes | $1,317,000 | 1,679 |
| Income before extraordinary items | $2,003,000 | 2,531 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,003,000 | 2,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,933,240 | 2,534 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,998,000 | 2,332 |
| Total interest expense | $8,887,000 | 1,945 |
| Net interest income | $6,111,000 | 2,887 |
| Provision for loan and lease losses | $1,360,000 | 830 |
| Total noninterest income | $342,000 | 5,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,494 |
| Total noninterest expense | $3,250,000 | 3,955 |
| Salaries and employee benefits | $1,931,000 | 3,574 |
| Premises and equipment expense | $525,000 | 3,644 |
| Additional noninterest expense | $794,000 | 4,771 |
| Pre-tax net operating income | $1,843,000 | 3,514 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $104,000 | 6,463 |
| Income before extraordinary items | $1,739,000 | 2,874 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,739,000 | 2,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,601 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,739,000 | 2,871 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,606,000 | 4,609 |
| Total interest expense | $3,313,000 | 4,238 |
| Net interest income | $3,293,000 | 4,837 |
| Provision for loan and lease losses | $1,500,000 | 695 |
| Total noninterest income | $184,000 | 7,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,224 |
| Total noninterest expense | $2,470,000 | 4,925 |
| Salaries and employee benefits | $1,485,000 | 4,380 |
| Premises and equipment expense | $347,000 | 4,990 |
| Additional noninterest expense | $638,000 | 5,590 |
| Pre-tax net operating income | $-493,000 | 9,845 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-493,000 | 9,891 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-493,000 | 9,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,480,000 | 225 |
| Net operating income | $-493,000 | 9,872 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $340,000 | 10,295 |
| Total interest expense | $118,000 | 10,284 |
| Net interest income | $222,000 | 10,276 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $19,000 | 10,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $547,000 | 9,621 |
| Salaries and employee benefits | $307,000 | 9,590 |
| Premises and equipment expense | $64,000 | 9,489 |
| Additional noninterest expense | $176,000 | 9,392 |
| Pre-tax net operating income | $-506,000 | 10,189 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-506,000 | 10,232 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-506,000 | 10,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $10,500,000 | 88 |
| Net operating income | $-506,000 | 10,202 |
* 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.