Home > Waterfield Bank > Income and Expense
Waterfield Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,085,000 | 2,536 |
| Total interest expense | $4,938,000 | 2,288 |
| Net interest income | $8,147,000 | 2,679 |
| Provision for loan and lease losses | $2,976,000 | 2,000 |
| Total noninterest income | $2,309,000 | 1,925 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $27,000 | 178 |
| Additional Noninterest Income | $2,282,000 | 1,250 |
| Total noninterest expense | $18,937,000 | 1,098 |
| Salaries and employee benefits | $7,091,000 | 1,421 |
| Premises and equipment expense | $2,806,000 | 970 |
| Additional noninterest expense | $9,040,000 | 878 |
| Pre-tax net operating income | $-11,457,000 | 7,538 |
| Securities gains (losses) | $-7,048,000 | 7,920 |
| Applicable income taxes | $12,000 | 3,833 |
| Income before extraordinary items | $-18,517,000 | 7,720 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-18,517,000 | 7,718 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-18,517,000 | 7,718 |
| Net charge-offs | $2,973,000 | 1,616 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-11,469,000 | 7,607 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,829,000 | 2,570 |
| Total interest expense | $4,158,000 | 2,139 |
| Net interest income | $5,671,000 | 2,868 |
| Provision for loan and lease losses | $2,117,000 | 1,840 |
| Total noninterest income | $1,030,000 | 2,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $27,000 | 177 |
| Additional Noninterest Income | $1,003,000 | 1,824 |
| Total noninterest expense | $12,771,000 | 1,208 |
| Salaries and employee benefits | $6,075,000 | 1,232 |
| Premises and equipment expense | $1,767,000 | 1,171 |
| Additional noninterest expense | $4,929,000 | 1,141 |
| Pre-tax net operating income | $-8,187,000 | 7,680 |
| Securities gains (losses) | $894,000 | 424 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-7,293,000 | 7,703 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,293,000 | 7,702 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,293,000 | 7,702 |
| Net charge-offs | $1,964,000 | 1,510 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-8,187,000 | 7,736 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,924,000 | 2,485 |
| Total interest expense | $3,036,000 | 2,078 |
| Net interest income | $3,888,000 | 2,796 |
| Provision for loan and lease losses | $1,282,000 | 1,782 |
| Total noninterest income | $870,000 | 2,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $21,000 | 165 |
| Additional Noninterest Income | $849,000 | 1,574 |
| Total noninterest expense | $7,894,000 | 1,322 |
| Salaries and employee benefits | $4,058,000 | 1,252 |
| Premises and equipment expense | $1,174,000 | 1,206 |
| Additional noninterest expense | $2,662,000 | 1,397 |
| Pre-tax net operating income | $-4,418,000 | 7,705 |
| Securities gains (losses) | $894,000 | 317 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,524,000 | 7,681 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,524,000 | 7,679 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,524,000 | 7,680 |
| Net charge-offs | $1,317,000 | 1,432 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,418,000 | 7,773 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,605,000 | 2,410 |
| Total interest expense | $1,695,000 | 1,952 |
| Net interest income | $1,910,000 | 2,817 |
| Provision for loan and lease losses | $348,000 | 2,148 |
| Total noninterest income | $1,305,000 | 1,039 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $629,000 | 76 |
| Additional Noninterest Income | $676,000 | 1,143 |
| Total noninterest expense | $3,509,000 | 1,412 |
| Salaries and employee benefits | $2,060,000 | 1,246 |
| Premises and equipment expense | $527,000 | 1,350 |
| Additional noninterest expense | $922,000 | 1,757 |
| Pre-tax net operating income | $-642,000 | 7,449 |
| Securities gains (losses) | $894,000 | 206 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $252,000 | 3,431 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $252,000 | 3,432 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $252,000 | 3,432 |
| Net charge-offs | $388,000 | 1,571 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-642,000 | 7,537 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,095,000 | 3,252 |
| Total interest expense | $6,262,000 | 2,426 |
| Net interest income | $4,833,000 | 4,044 |
| Provision for loan and lease losses | $1,292,000 | 2,351 |
| Total noninterest income | $808,000 | 3,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $538,000 | 82 |
| Additional Noninterest Income | $270,000 | 4,294 |
| Total noninterest expense | $14,509,000 | 1,346 |
| Salaries and employee benefits | $7,646,000 | 1,327 |
| Premises and equipment expense | $2,741,000 | 1,013 |
| Additional noninterest expense | $4,122,000 | 1,496 |
| Pre-tax net operating income | $-10,160,000 | 7,991 |
| Securities gains (losses) | $4,456,000 | 77 |
| Applicable income taxes | $1,000 | 4,863 |
| Income before extraordinary items | $-5,705,000 | 7,853 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,705,000 | 7,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,068,000 | 1,889 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-10,161,000 | 8,034 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,380,000 | 3,638 |
| Total interest expense | $4,317,000 | 2,713 |
| Net interest income | $3,063,000 | 4,559 |
| Provision for loan and lease losses | $1,272,000 | 1,583 |
| Total noninterest income | $133,000 | 6,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $133,000 | 5,155 |
| Total noninterest expense | $10,495,000 | 1,379 |
| Salaries and employee benefits | $5,776,000 | 1,337 |
| Premises and equipment expense | $2,192,000 | 948 |
| Additional noninterest expense | $2,527,000 | 1,758 |
| Pre-tax net operating income | $-8,571,000 | 8,209 |
| Securities gains (losses) | $4,187,000 | 77 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-4,384,000 | 8,099 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,384,000 | 8,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,149,000 | 1,185 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-8,571,000 | 8,229 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,388,000 | 3,987 |
| Total interest expense | $3,180,000 | 2,569 |
| Net interest income | $1,208,000 | 6,053 |
| Provision for loan and lease losses | $205,000 | 3,111 |
| Total noninterest income | $75,000 | 7,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $75,000 | 5,519 |
| Total noninterest expense | $6,883,000 | 1,395 |
| Salaries and employee benefits | $4,064,000 | 1,276 |
| Premises and equipment expense | $1,225,000 | 1,136 |
| Additional noninterest expense | $1,594,000 | 1,812 |
| Pre-tax net operating income | $-5,805,000 | 8,307 |
| Securities gains (losses) | $2,639,000 | 98 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-3,166,000 | 8,268 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,166,000 | 8,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,674 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-5,805,000 | 8,326 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,920,000 | 4,441 |
| Total interest expense | $1,475,000 | 2,920 |
| Net interest income | $445,000 | 6,779 |
| Provision for loan and lease losses | $205,000 | 1,794 |
| Total noninterest income | $33,000 | 7,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,761 |
| Total noninterest expense | $3,247,000 | 1,480 |
| Salaries and employee benefits | $1,930,000 | 1,352 |
| Premises and equipment expense | $528,000 | 1,309 |
| Additional noninterest expense | $789,000 | 1,793 |
| Pre-tax net operating income | $-2,974,000 | 8,398 |
| Securities gains (losses) | $1,132,000 | 135 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-1,842,000 | 8,378 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,842,000 | 8,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,974,000 | 8,412 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,731,000 | 4,125 |
| Total interest expense | $6,387,000 | 2,858 |
| Net interest income | $2,344,000 | 6,134 |
| Provision for loan and lease losses | $426,000 | 2,588 |
| Total noninterest income | $195,000 | 6,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $195,000 | 5,112 |
| Total noninterest expense | $12,220,000 | 1,514 |
| Salaries and employee benefits | $5,649,000 | 1,788 |
| Premises and equipment expense | $1,642,000 | 1,616 |
| Additional noninterest expense | $4,929,000 | 1,153 |
| Pre-tax net operating income | $-10,107,000 | 8,480 |
| Securities gains (losses) | $3,462,000 | 77 |
| Applicable income taxes | $2,000 | 5,906 |
| Income before extraordinary items | $-6,647,000 | 8,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,647,000 | 8,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,452 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-10,109,000 | 8,482 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,788,000 | 4,036 |
| Total interest expense | $4,958,000 | 2,757 |
| Net interest income | $1,830,000 | 6,072 |
| Provision for loan and lease losses | $96,000 | 4,170 |
| Total noninterest income | $138,000 | 6,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $138,000 | 5,251 |
| Total noninterest expense | $7,287,000 | 1,880 |
| Salaries and employee benefits | $4,281,000 | 1,758 |
| Premises and equipment expense | $1,120,000 | 1,757 |
| Additional noninterest expense | $1,886,000 | 2,116 |
| Pre-tax net operating income | $-5,415,000 | 8,524 |
| Securities gains (losses) | $3,877,000 | 64 |
| Applicable income taxes | $2,000 | 6,041 |
| Income before extraordinary items | $-1,540,000 | 8,420 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,540,000 | 8,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,063 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-5,417,000 | 8,527 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,692,000 | 3,960 |
| Total interest expense | $3,424,000 | 2,671 |
| Net interest income | $1,268,000 | 6,009 |
| Provision for loan and lease losses | $76,000 | 3,715 |
| Total noninterest income | $119,000 | 6,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $119,000 | 4,768 |
| Total noninterest expense | $4,835,000 | 1,908 |
| Salaries and employee benefits | $2,938,000 | 1,748 |
| Premises and equipment expense | $721,000 | 1,823 |
| Additional noninterest expense | $1,176,000 | 2,256 |
| Pre-tax net operating income | $-3,524,000 | 8,585 |
| Securities gains (losses) | $2,843,000 | 65 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-681,000 | 8,404 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-681,000 | 8,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,152 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-3,524,000 | 8,581 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 3,939 |
| Total interest expense | $1,752,000 | 2,606 |
| Net interest income | $605,000 | 6,142 |
| Provision for loan and lease losses | $38,000 | 3,501 |
| Total noninterest income | $98,000 | 5,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $98,000 | 3,797 |
| Total noninterest expense | $2,459,000 | 1,878 |
| Salaries and employee benefits | $1,567,000 | 1,663 |
| Premises and equipment expense | $338,000 | 1,928 |
| Additional noninterest expense | $554,000 | 2,379 |
| Pre-tax net operating income | $-1,794,000 | 8,620 |
| Securities gains (losses) | $1,480,000 | 58 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-314,000 | 8,451 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-314,000 | 8,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,191 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-1,794,000 | 8,612 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,061,000 | 4,540 |
| Total interest expense | $4,820,000 | 3,125 |
| Net interest income | $2,241,000 | 6,290 |
| Provision for loan and lease losses | $246,000 | 3,129 |
| Total noninterest income | $137,000 | 7,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $137,000 | 5,790 |
| Total noninterest expense | $8,867,000 | 1,984 |
| Salaries and employee benefits | $5,960,000 | 1,647 |
| Premises and equipment expense | $1,435,000 | 1,767 |
| Additional noninterest expense | $1,472,000 | 3,336 |
| Pre-tax net operating income | $-6,735,000 | 8,669 |
| Securities gains (losses) | $2,447,000 | 93 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-4,288,000 | 8,661 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-4,288,000 | 8,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,668 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-6,735,000 | 8,662 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 4,845 |
| Total interest expense | $3,125,000 | 3,399 |
| Net interest income | $1,583,000 | 6,501 |
| Provision for loan and lease losses | $208,000 | 2,811 |
| Total noninterest income | $99,000 | 7,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,863 |
| Total noninterest expense | $6,366,000 | 2,071 |
| Salaries and employee benefits | $4,399,000 | 1,675 |
| Premises and equipment expense | $1,021,000 | 1,852 |
| Additional noninterest expense | $946,000 | 3,777 |
| Pre-tax net operating income | $-4,892,000 | 8,733 |
| Securities gains (losses) | $1,165,000 | 131 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-3,727,000 | 8,727 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-3,727,000 | 8,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,744 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-4,892,000 | 8,722 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 5,177 |
| Total interest expense | $1,787,000 | 3,673 |
| Net interest income | $1,022,000 | 6,609 |
| Provision for loan and lease losses | $170,000 | 2,399 |
| Total noninterest income | $44,000 | 7,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $44,000 | 6,558 |
| Total noninterest expense | $4,363,000 | 2,014 |
| Salaries and employee benefits | $3,025,000 | 1,635 |
| Premises and equipment expense | $696,000 | 1,815 |
| Additional noninterest expense | $642,000 | 3,714 |
| Pre-tax net operating income | $-3,467,000 | 8,766 |
| Securities gains (losses) | $755,000 | 131 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-2,712,000 | 8,761 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,712,000 | 8,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,811 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-3,467,000 | 8,755 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,221,000 | 5,562 |
| Total interest expense | $777,000 | 3,894 |
| Net interest income | $444,000 | 6,972 |
| Provision for loan and lease losses | $110,000 | 1,864 |
| Total noninterest income | $21,000 | 8,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,631 |
| Total noninterest expense | $1,993,000 | 2,226 |
| Salaries and employee benefits | $1,368,000 | 1,809 |
| Premises and equipment expense | $323,000 | 1,959 |
| Additional noninterest expense | $302,000 | 3,867 |
| Pre-tax net operating income | $-1,638,000 | 8,769 |
| Securities gains (losses) | $312,000 | 138 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-1,326,000 | 8,771 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,326,000 | 8,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-1,638,000 | 8,761 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,797,000 | 6,758 |
| Total interest expense | $1,427,000 | 5,361 |
| Net interest income | $1,370,000 | 7,461 |
| Provision for loan and lease losses | $127,000 | 4,372 |
| Total noninterest income | $96,000 | 7,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $96,000 | 6,467 |
| Total noninterest expense | $4,229,000 | 3,705 |
| Salaries and employee benefits | $2,244,000 | 3,791 |
| Premises and equipment expense | $585,000 | 3,735 |
| Additional noninterest expense | $1,400,000 | 3,410 |
| Pre-tax net operating income | $-2,890,000 | 8,795 |
| Securities gains (losses) | $182,000 | 527 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-2,708,000 | 8,792 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-2,708,000 | 8,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,497 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-2,890,000 | 8,788 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,791,000 | 7,126 |
| Total interest expense | $873,000 | 5,795 |
| Net interest income | $918,000 | 7,702 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $75,000 | 7,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $75,000 | 6,410 |
| Total noninterest expense | $2,497,000 | 4,425 |
| Salaries and employee benefits | $1,355,000 | 4,434 |
| Premises and equipment expense | $333,000 | 4,509 |
| Additional noninterest expense | $809,000 | 4,147 |
| Pre-tax net operating income | $-1,554,000 | 8,786 |
| Securities gains (losses) | $83,000 | 714 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-1,471,000 | 8,797 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,471,000 | 8,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,912 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,554,000 | 8,785 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 7,241 |
| Total interest expense | $543,000 | 5,830 |
| Net interest income | $564,000 | 7,831 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $45,000 | 8,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $45,000 | 6,573 |
| Total noninterest expense | $1,295,000 | 5,224 |
| Salaries and employee benefits | $620,000 | 5,646 |
| Premises and equipment expense | $156,000 | 5,596 |
| Additional noninterest expense | $519,000 | 4,249 |
| Pre-tax net operating income | $-686,000 | 8,726 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-683,000 | 8,752 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-683,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-686,000 | 8,729 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,511 |
| Total interest expense | $250,000 | 5,965 |
| Net interest income | $245,000 | 8,099 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $24,000 | 8,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $545,000 | 5,805 |
| Salaries and employee benefits | $253,000 | 6,347 |
| Premises and equipment expense | $49,000 | 6,814 |
| Additional noninterest expense | $243,000 | 4,445 |
| Pre-tax net operating income | $-276,000 | 8,773 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-276,000 | 8,793 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-276,000 | 8,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-276,000 | 8,776 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 7,627 |
| Total interest expense | $928,000 | 5,872 |
| Net interest income | $827,000 | 8,269 |
| Provision for loan and lease losses | $45,000 | 6,047 |
| Total noninterest income | $127,000 | 7,825 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $127,000 | 6,008 |
| Total noninterest expense | $1,581,000 | 6,750 |
| Salaries and employee benefits | $903,000 | 6,597 |
| Premises and equipment expense | $240,000 | 6,303 |
| Additional noninterest expense | $438,000 | 6,908 |
| Pre-tax net operating income | $-672,000 | 8,718 |
| Securities gains (losses) | $30,000 | 2,118 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-642,000 | 8,764 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-642,000 | 8,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,343 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-672,000 | 8,745 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,279,000 | 7,718 |
| Total interest expense | $676,000 | 5,922 |
| Net interest income | $603,000 | 8,340 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $77,000 | 8,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 6,376 |
| Total noninterest expense | $1,268,000 | 6,518 |
| Salaries and employee benefits | $685,000 | 6,519 |
| Premises and equipment expense | $180,000 | 6,281 |
| Additional noninterest expense | $403,000 | 6,291 |
| Pre-tax net operating income | $-633,000 | 8,814 |
| Securities gains (losses) | $27,000 | 2,115 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-606,000 | 8,843 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-606,000 | 8,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,395 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-633,000 | 8,831 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $832,000 | 7,811 |
| Total interest expense | $433,000 | 6,060 |
| Net interest income | $399,000 | 8,388 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $45,000 | 8,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 6,633 |
| Total noninterest expense | $817,000 | 6,655 |
| Salaries and employee benefits | $429,000 | 6,766 |
| Premises and equipment expense | $122,000 | 6,279 |
| Additional noninterest expense | $266,000 | 6,335 |
| Pre-tax net operating income | $-418,000 | 8,868 |
| Securities gains (losses) | $27,000 | 1,860 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-391,000 | 8,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-391,000 | 8,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,493 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-418,000 | 8,878 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $403,000 | 7,890 |
| Total interest expense | $208,000 | 6,240 |
| Net interest income | $195,000 | 8,465 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $424,000 | 6,591 |
| Salaries and employee benefits | $228,000 | 6,623 |
| Premises and equipment expense | $60,000 | 6,320 |
| Additional noninterest expense | $136,000 | 6,288 |
| Pre-tax net operating income | $-207,000 | 8,915 |
| Securities gains (losses) | $17,000 | 1,792 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-190,000 | 8,935 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-190,000 | 8,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,777 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-207,000 | 8,920 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,456,000 | 8,124 |
| Total interest expense | $803,000 | 6,702 |
| Net interest income | $653,000 | 8,632 |
| Provision for loan and lease losses | $82,000 | 5,609 |
| Total noninterest income | $97,000 | 8,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $97,000 | 6,585 |
| Total noninterest expense | $1,714,000 | 6,503 |
| Salaries and employee benefits | $1,004,000 | 6,250 |
| Premises and equipment expense | $228,000 | 6,454 |
| Additional noninterest expense | $482,000 | 6,659 |
| Pre-tax net operating income | $-1,046,000 | 8,986 |
| Securities gains (losses) | $128,000 | 1,679 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-918,000 | 9,021 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-918,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,046,000 | 9,000 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,082,000 | 8,218 |
| Total interest expense | $609,000 | 6,813 |
| Net interest income | $473,000 | 8,725 |
| Provision for loan and lease losses | $82,000 | 5,091 |
| Total noninterest income | $74,000 | 8,378 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 6,610 |
| Total noninterest expense | $1,263,000 | 6,538 |
| Salaries and employee benefits | $728,000 | 6,346 |
| Premises and equipment expense | $167,000 | 6,504 |
| Additional noninterest expense | $368,000 | 6,592 |
| Pre-tax net operating income | $-798,000 | 9,038 |
| Securities gains (losses) | $119,000 | 1,591 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-679,000 | 9,073 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-679,000 | 9,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-798,000 | 9,052 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $710,000 | 8,301 |
| Total interest expense | $404,000 | 6,953 |
| Net interest income | $306,000 | 8,784 |
| Provision for loan and lease losses | $82,000 | 4,272 |
| Total noninterest income | $45,000 | 8,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $853,000 | 6,514 |
| Salaries and employee benefits | $530,000 | 6,043 |
| Premises and equipment expense | $110,000 | 6,521 |
| Additional noninterest expense | $213,000 | 6,977 |
| Pre-tax net operating income | $-584,000 | 9,094 |
| Securities gains (losses) | $87,000 | 1,615 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-497,000 | 9,129 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-497,000 | 9,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-584,000 | 9,098 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 8,437 |
| Total interest expense | $196,000 | 7,129 |
| Net interest income | $142,000 | 8,896 |
| Provision for loan and lease losses | $49,000 | 3,737 |
| Total noninterest income | $21,000 | 8,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $442,000 | 6,404 |
| Salaries and employee benefits | $305,000 | 5,564 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $82,000 | 7,612 |
| Pre-tax net operating income | $-328,000 | 9,149 |
| Securities gains (losses) | $41,000 | 1,496 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-287,000 | 9,178 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-287,000 | 9,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-328,000 | 9,143 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,204,000 | 8,679 |
| Total interest expense | $534,000 | 8,288 |
| Net interest income | $670,000 | 8,783 |
| Provision for loan and lease losses | $237,000 | 4,013 |
| Total noninterest income | $78,000 | 8,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,931 |
| Total noninterest expense | $1,720,000 | 6,418 |
| Salaries and employee benefits | $1,152,000 | 5,628 |
| Premises and equipment expense | $256,000 | 6,059 |
| Additional noninterest expense | $312,000 | 7,726 |
| Pre-tax net operating income | $-1,209,000 | 9,168 |
| Securities gains (losses) | $80,000 | 1,959 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,129,000 | 9,202 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,129,000 | 9,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,209,000 | 9,186 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $759,000 | 9,300 |
| Total interest expense | $190,000 | 9,401 |
| Net interest income | $569,000 | 9,086 |
| Provision for loan and lease losses | $110,000 | 5,436 |
| Total noninterest income | $24,000 | 9,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $24,000 | 8,562 |
| Total noninterest expense | $1,750,000 | 6,238 |
| Salaries and employee benefits | $1,122,000 | 5,576 |
| Premises and equipment expense | $226,000 | 6,403 |
| Additional noninterest expense | $402,000 | 7,127 |
| Pre-tax net operating income | $-1,267,000 | 9,422 |
| Securities gains (losses) | $57,000 | 2,222 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,210,000 | 9,458 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,210,000 | 9,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,267,000 | 9,435 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $411,000 | 9,742 |
| Total interest expense | $26,000 | 9,812 |
| Net interest income | $385,000 | 9,602 |
| Provision for loan and lease losses | $15,000 | 7,764 |
| Total noninterest income | $4,000 | 9,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,000 | 9,680 |
| Total noninterest expense | $834,000 | 8,465 |
| Salaries and employee benefits | $554,000 | 7,948 |
| Premises and equipment expense | $117,000 | 8,155 |
| Additional noninterest expense | $163,000 | 9,133 |
| Pre-tax net operating income | $-460,000 | 9,513 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $95,000 | 6,574 |
| Income before extraordinary items | $-553,000 | 9,596 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-553,000 | 9,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $11,066,000 | 53 |
| Net operating income | $-555,000 | 9,596 |
* 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.