Home > Waukegan Savings Bank > Income and Expense
Waukegan Savings Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,733,000 | 5,319 |
| Total interest expense | $346,000 | 4,667 |
| Net interest income | $1,387,000 | 5,374 |
| Provision for loan and lease losses | $695,000 | 1,431 |
| Total noninterest income | $420,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $27,000 | 6,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $393,000 | 2,672 |
| Total noninterest expense | $3,445,000 | 2,713 |
| Salaries and employee benefits | $1,390,000 | 3,342 |
| Premises and equipment expense | $266,000 | 3,714 |
| Additional noninterest expense | $1,789,000 | 1,863 |
| Pre-tax net operating income | $-2,333,000 | 7,110 |
| Securities gains (losses) | $4,000 | 2,922 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-2,329,000 | 7,128 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,329,000 | 7,128 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,329,000 | 7,128 |
| Net charge-offs | $182,000 | 2,860 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-2,333,000 | 7,115 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $896,000 | 5,292 |
| Total interest expense | $182,000 | 4,661 |
| Net interest income | $714,000 | 5,351 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $300,000 | 2,953 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $14,000 | 6,234 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $286,000 | 2,165 |
| Total noninterest expense | $1,565,000 | 2,943 |
| Salaries and employee benefits | $681,000 | 3,413 |
| Premises and equipment expense | $136,000 | 3,691 |
| Additional noninterest expense | $748,000 | 2,157 |
| Pre-tax net operating income | $-626,000 | 7,088 |
| Securities gains (losses) | $4,000 | 1,941 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-622,000 | 7,108 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-622,000 | 7,107 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-622,000 | 7,108 |
| Net charge-offs | $128,000 | 2,238 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-626,000 | 7,096 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,712,000 | 5,306 |
| Total interest expense | $1,003,000 | 4,387 |
| Net interest income | $2,709,000 | 5,477 |
| Provision for loan and lease losses | $1,272,000 | 2,085 |
| Total noninterest income | $781,000 | 3,570 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $61,000 | 6,146 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $720,000 | 2,601 |
| Total noninterest expense | $4,279,000 | 3,934 |
| Salaries and employee benefits | $1,511,000 | 4,938 |
| Premises and equipment expense | $612,000 | 3,530 |
| Additional noninterest expense | $2,156,000 | 2,926 |
| Pre-tax net operating income | $-2,061,000 | 6,794 |
| Securities gains (losses) | $149,000 | 1,717 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,912,000 | 6,822 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,912,000 | 6,822 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,912,000 | 6,822 |
| Net charge-offs | $890,000 | 2,503 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,061,000 | 6,821 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,807,000 | 5,346 |
| Total interest expense | $807,000 | 4,340 |
| Net interest income | $2,000,000 | 5,543 |
| Provision for loan and lease losses | $1,181,000 | 1,770 |
| Total noninterest income | $603,000 | 3,516 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $45,000 | 6,196 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $558,000 | 2,530 |
| Total noninterest expense | $3,260,000 | 3,898 |
| Salaries and employee benefits | $1,138,000 | 4,927 |
| Premises and equipment expense | $502,000 | 3,338 |
| Additional noninterest expense | $1,620,000 | 2,942 |
| Pre-tax net operating income | $-1,838,000 | 6,979 |
| Securities gains (losses) | $74,000 | 2,036 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,764,000 | 7,027 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,764,000 | 7,028 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,764,000 | 7,028 |
| Net charge-offs | $891,000 | 2,022 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,838,000 | 7,024 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 5,367 |
| Total interest expense | $563,000 | 4,340 |
| Net interest income | $1,337,000 | 5,581 |
| Provision for loan and lease losses | $1,076,000 | 1,431 |
| Total noninterest income | $303,000 | 4,086 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $29,000 | 6,234 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $274,000 | 3,012 |
| Total noninterest expense | $2,300,000 | 3,804 |
| Salaries and employee benefits | $760,000 | 4,959 |
| Premises and equipment expense | $338,000 | 3,346 |
| Additional noninterest expense | $1,202,000 | 2,745 |
| Pre-tax net operating income | $-1,736,000 | 7,138 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,736,000 | 7,183 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,736,000 | 7,184 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,736,000 | 7,184 |
| Net charge-offs | $881,000 | 1,585 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,736,000 | 7,169 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $961,000 | 5,370 |
| Total interest expense | $296,000 | 4,329 |
| Net interest income | $665,000 | 5,607 |
| Provision for loan and lease losses | $1,045,000 | 832 |
| Total noninterest income | $133,000 | 4,392 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $23,000 | 5,623 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $110,000 | 3,402 |
| Total noninterest expense | $1,326,000 | 3,414 |
| Salaries and employee benefits | $394,000 | 4,905 |
| Premises and equipment expense | $173,000 | 3,329 |
| Additional noninterest expense | $759,000 | 2,204 |
| Pre-tax net operating income | $-1,573,000 | 7,358 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,573,000 | 7,368 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,573,000 | 7,369 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,573,000 | 7,369 |
| Net charge-offs | $882,000 | 936 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,573,000 | 7,368 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,177,000 | 5,302 |
| Total interest expense | $1,478,000 | 4,299 |
| Net interest income | $2,699,000 | 5,597 |
| Provision for loan and lease losses | $1,039,000 | 2,989 |
| Total noninterest income | $616,000 | 4,186 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $60,000 | 6,079 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $556,000 | 3,030 |
| Total noninterest expense | $3,951,000 | 4,248 |
| Salaries and employee benefits | $1,654,000 | 4,771 |
| Premises and equipment expense | $673,000 | 3,403 |
| Additional noninterest expense | $1,624,000 | 3,788 |
| Pre-tax net operating income | $-1,675,000 | 6,689 |
| Securities gains (losses) | $194,000 | 1,612 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,481,000 | 6,739 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,481,000 | 6,739 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,481,000 | 6,740 |
| Net charge-offs | $964,000 | 2,741 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,675,000 | 6,755 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,167,000 | 5,363 |
| Total interest expense | $1,161,000 | 4,330 |
| Net interest income | $2,006,000 | 5,692 |
| Provision for loan and lease losses | $940,000 | 2,595 |
| Total noninterest income | $481,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $44,000 | 6,182 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $437,000 | 2,976 |
| Total noninterest expense | $2,911,000 | 4,316 |
| Salaries and employee benefits | $1,269,000 | 4,747 |
| Premises and equipment expense | $500,000 | 3,493 |
| Additional noninterest expense | $1,142,000 | 3,942 |
| Pre-tax net operating income | $-1,364,000 | 6,901 |
| Securities gains (losses) | $42,000 | 2,530 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,322,000 | 6,994 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,322,000 | 6,993 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,322,000 | 6,994 |
| Net charge-offs | $973,000 | 2,221 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,364,000 | 6,969 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,137,000 | 5,375 |
| Total interest expense | $826,000 | 4,259 |
| Net interest income | $1,311,000 | 5,761 |
| Provision for loan and lease losses | $909,000 | 2,038 |
| Total noninterest income | $320,000 | 4,123 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $28,000 | 6,254 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $292,000 | 2,880 |
| Total noninterest expense | $1,952,000 | 4,309 |
| Salaries and employee benefits | $882,000 | 4,646 |
| Premises and equipment expense | $329,000 | 3,560 |
| Additional noninterest expense | $741,000 | 3,990 |
| Pre-tax net operating income | $-1,230,000 | 7,096 |
| Securities gains (losses) | $27,000 | 2,218 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,203,000 | 7,158 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,203,000 | 7,157 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,203,000 | 7,158 |
| Net charge-offs | $693,000 | 2,101 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,230,000 | 7,146 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 5,421 |
| Total interest expense | $454,000 | 4,164 |
| Net interest income | $621,000 | 5,932 |
| Provision for loan and lease losses | $843,000 | 1,318 |
| Total noninterest income | $178,000 | 3,915 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $14,000 | 6,285 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $164,000 | 2,690 |
| Total noninterest expense | $1,045,000 | 4,151 |
| Salaries and employee benefits | $470,000 | 4,523 |
| Premises and equipment expense | $189,000 | 3,270 |
| Additional noninterest expense | $386,000 | 3,886 |
| Pre-tax net operating income | $-1,089,000 | 7,439 |
| Securities gains (losses) | $13,000 | 1,658 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,076,000 | 7,488 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,076,000 | 7,488 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,076,000 | 7,489 |
| Net charge-offs | $427,000 | 1,713 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,089,000 | 7,479 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,638,000 | 5,338 |
| Total interest expense | $2,101,000 | 4,308 |
| Net interest income | $2,537,000 | 5,799 |
| Provision for loan and lease losses | $465,000 | 4,649 |
| Total noninterest income | $660,000 | 4,185 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $66,000 | 6,233 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $594,000 | 2,917 |
| Total noninterest expense | $4,238,000 | 4,182 |
| Salaries and employee benefits | $1,809,000 | 4,656 |
| Premises and equipment expense | $693,000 | 3,485 |
| Additional noninterest expense | $1,736,000 | 3,701 |
| Pre-tax net operating income | $-1,506,000 | 6,443 |
| Securities gains (losses) | $-931,000 | 7,696 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-2,437,000 | 6,869 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,437,000 | 6,866 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,437,000 | 6,867 |
| Net charge-offs | $245,000 | 4,751 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,506,000 | 6,566 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,545,000 | 5,357 |
| Total interest expense | $1,630,000 | 4,363 |
| Net interest income | $1,915,000 | 5,804 |
| Provision for loan and lease losses | $365,000 | 4,308 |
| Total noninterest income | $515,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $49,000 | 6,293 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $466,000 | 2,931 |
| Total noninterest expense | $3,134,000 | 4,236 |
| Salaries and employee benefits | $1,386,000 | 4,627 |
| Premises and equipment expense | $512,000 | 3,559 |
| Additional noninterest expense | $1,236,000 | 3,804 |
| Pre-tax net operating income | $-1,069,000 | 6,686 |
| Securities gains (losses) | $-945,000 | 7,850 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,014,000 | 7,177 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,014,000 | 7,177 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,014,000 | 7,176 |
| Net charge-offs | $87,000 | 5,187 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,069,000 | 6,777 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 5,336 |
| Total interest expense | $1,127,000 | 4,397 |
| Net interest income | $1,291,000 | 5,790 |
| Provision for loan and lease losses | $341,000 | 3,520 |
| Total noninterest income | $337,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $206,000 | 3,264 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $131,000 | 4,344 |
| Total noninterest expense | $2,137,000 | 4,197 |
| Salaries and employee benefits | $988,000 | 4,471 |
| Premises and equipment expense | $354,000 | 3,503 |
| Additional noninterest expense | $795,000 | 3,887 |
| Pre-tax net operating income | $-850,000 | 6,937 |
| Securities gains (losses) | $-905,000 | 7,995 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-1,755,000 | 7,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,755,000 | 7,398 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,755,000 | 7,397 |
| Net charge-offs | $2,000 | 6,442 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-850,000 | 7,047 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,240,000 | 5,295 |
| Total interest expense | $582,000 | 4,427 |
| Net interest income | $658,000 | 5,747 |
| Provision for loan and lease losses | $316,000 | 2,237 |
| Total noninterest income | $76,000 | 5,675 |
| 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 | $-22,000 | 8,040 |
| Total noninterest expense | $1,101,000 | 4,026 |
| Salaries and employee benefits | $502,000 | 4,448 |
| Premises and equipment expense | $189,000 | 3,383 |
| Additional noninterest expense | $410,000 | 3,502 |
| Pre-tax net operating income | $-683,000 | 7,472 |
| Securities gains (losses) | $-851,000 | 8,126 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,534,000 | 7,835 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,534,000 | 7,836 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,534,000 | 7,836 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-683,000 | 7,560 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,540,000 | 5,165 |
| Total interest expense | $2,644,000 | 4,591 |
| Net interest income | $2,896,000 | 5,506 |
| Provision for loan and lease losses | $63,000 | 6,409 |
| Total noninterest income | $1,041,000 | 3,323 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $468,000 | 3,160 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $573,000 | 2,963 |
| Total noninterest expense | $4,431,000 | 3,930 |
| Salaries and employee benefits | $2,184,000 | 4,162 |
| Premises and equipment expense | $862,000 | 2,987 |
| Additional noninterest expense | $1,385,000 | 3,838 |
| Pre-tax net operating income | $-557,000 | 6,805 |
| Securities gains (losses) | $-584,000 | 7,593 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,141,000 | 7,052 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,141,000 | 7,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 4,706 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-557,000 | 6,882 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,222,000 | 5,200 |
| Total interest expense | $2,044,000 | 4,635 |
| Net interest income | $2,178,000 | 5,544 |
| Provision for loan and lease losses | $42,000 | 6,061 |
| Total noninterest income | $847,000 | 3,221 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $341,000 | 3,237 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $506,000 | 2,791 |
| Total noninterest expense | $3,371,000 | 3,873 |
| Salaries and employee benefits | $1,683,000 | 4,121 |
| Premises and equipment expense | $683,000 | 2,869 |
| Additional noninterest expense | $1,005,000 | 3,854 |
| Pre-tax net operating income | $-388,000 | 7,180 |
| Securities gains (losses) | $-542,000 | 7,796 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-930,000 | 7,465 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-930,000 | 7,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,837 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-388,000 | 7,236 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 5,195 |
| Total interest expense | $1,430,000 | 4,646 |
| Net interest income | $1,452,000 | 5,554 |
| Provision for loan and lease losses | $24,000 | 5,853 |
| Total noninterest income | $637,000 | 3,021 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $218,000 | 3,313 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $419,000 | 2,520 |
| Total noninterest expense | $2,236,000 | 3,907 |
| Salaries and employee benefits | $1,090,000 | 4,234 |
| Premises and equipment expense | $493,000 | 2,673 |
| Additional noninterest expense | $653,000 | 3,909 |
| Pre-tax net operating income | $-171,000 | 7,292 |
| Securities gains (losses) | $-525,000 | 8,347 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-696,000 | 7,831 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-696,000 | 7,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,273 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-171,000 | 7,341 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,468,000 | 5,238 |
| Total interest expense | $767,000 | 4,623 |
| Net interest income | $701,000 | 5,691 |
| Provision for loan and lease losses | $6,000 | 5,669 |
| Total noninterest income | $430,000 | 2,473 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $108,000 | 3,299 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $322,000 | 1,885 |
| Total noninterest expense | $1,209,000 | 3,675 |
| Salaries and employee benefits | $534,000 | 4,321 |
| Premises and equipment expense | $329,000 | 2,058 |
| Additional noninterest expense | $346,000 | 3,710 |
| Pre-tax net operating income | $-84,000 | 7,512 |
| Securities gains (losses) | $-178,000 | 8,434 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-262,000 | 7,931 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-262,000 | 7,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,108 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-84,000 | 7,565 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,136,000 | 5,148 |
| Total interest expense | $3,347,000 | 4,471 |
| Net interest income | $2,789,000 | 5,679 |
| Provision for loan and lease losses | $251,000 | 3,494 |
| Total noninterest income | $847,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $493,000 | 3,086 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $354,000 | 3,962 |
| Total noninterest expense | $4,567,000 | 3,714 |
| Salaries and employee benefits | $2,142,000 | 4,164 |
| Premises and equipment expense | $861,000 | 2,904 |
| Additional noninterest expense | $1,564,000 | 3,300 |
| Pre-tax net operating income | $-1,182,000 | 8,106 |
| Securities gains (losses) | $-264,000 | 8,293 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,446,000 | 8,224 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,446,000 | 8,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,456 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,182,000 | 8,151 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 5,140 |
| Total interest expense | $2,540,000 | 4,432 |
| Net interest income | $2,100,000 | 5,710 |
| Provision for loan and lease losses | $146,000 | 3,527 |
| Total noninterest income | $608,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $348,000 | 3,198 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $260,000 | 4,017 |
| Total noninterest expense | $3,484,000 | 3,640 |
| Salaries and employee benefits | $1,570,000 | 4,231 |
| Premises and equipment expense | $664,000 | 2,825 |
| Additional noninterest expense | $1,250,000 | 3,075 |
| Pre-tax net operating income | $-922,000 | 8,267 |
| Securities gains (losses) | $-264,000 | 8,403 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,186,000 | 8,364 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,186,000 | 8,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,644 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-922,000 | 8,303 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,100,000 | 5,150 |
| Total interest expense | $1,711,000 | 4,405 |
| Net interest income | $1,389,000 | 5,763 |
| Provision for loan and lease losses | $72,000 | 3,798 |
| Total noninterest income | $377,000 | 4,162 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $211,000 | 3,413 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $166,000 | 4,131 |
| Total noninterest expense | $2,477,000 | 3,466 |
| Salaries and employee benefits | $1,075,000 | 4,182 |
| Premises and equipment expense | $464,000 | 2,741 |
| Additional noninterest expense | $938,000 | 2,762 |
| Pre-tax net operating income | $-783,000 | 8,403 |
| Securities gains (losses) | $-264,000 | 8,490 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-1,047,000 | 8,491 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,047,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,311 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-783,000 | 8,424 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 5,150 |
| Total interest expense | $853,000 | 4,412 |
| Net interest income | $692,000 | 5,784 |
| Provision for loan and lease losses | $57,000 | 2,953 |
| Total noninterest income | $174,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $98,000 | 3,492 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $76,000 | 4,308 |
| Total noninterest expense | $1,407,000 | 3,141 |
| Salaries and employee benefits | $521,000 | 4,306 |
| Premises and equipment expense | $261,000 | 2,482 |
| Additional noninterest expense | $625,000 | 2,099 |
| Pre-tax net operating income | $-598,000 | 8,537 |
| Securities gains (losses) | $-264,000 | 8,594 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-862,000 | 8,586 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-862,000 | 8,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-598,000 | 8,542 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,158,000 | 4,917 |
| Total interest expense | $3,453,000 | 3,950 |
| Net interest income | $2,705,000 | 5,805 |
| Provision for loan and lease losses | $122,000 | 4,359 |
| Total noninterest income | $707,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $359,000 | 3,764 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $348,000 | 4,006 |
| Total noninterest expense | $4,523,000 | 3,625 |
| Salaries and employee benefits | $2,167,000 | 4,028 |
| Premises and equipment expense | $1,019,000 | 2,431 |
| Additional noninterest expense | $1,337,000 | 3,617 |
| Pre-tax net operating income | $-1,233,000 | 8,481 |
| Securities gains (losses) | $-28,000 | 7,691 |
| Applicable income taxes | $-4,000 | 8,160 |
| Income before extraordinary items | $-1,257,000 | 8,516 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,257,000 | 8,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,443 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-1,229,000 | 8,506 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,595,000 | 4,925 |
| Total interest expense | $2,529,000 | 3,921 |
| Net interest income | $2,066,000 | 5,816 |
| Provision for loan and lease losses | $80,000 | 4,494 |
| Total noninterest income | $518,000 | 4,386 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $260,000 | 3,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 4,038 |
| Total noninterest expense | $3,431,000 | 3,592 |
| Salaries and employee benefits | $1,645,000 | 3,978 |
| Premises and equipment expense | $773,000 | 2,409 |
| Additional noninterest expense | $1,013,000 | 3,572 |
| Pre-tax net operating income | $-927,000 | 8,567 |
| Securities gains (losses) | $-16,000 | 7,758 |
| Applicable income taxes | $-4,000 | 8,388 |
| Income before extraordinary items | $-939,000 | 8,593 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-939,000 | 8,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,902 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-923,000 | 8,582 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,044,000 | 4,901 |
| Total interest expense | $1,637,000 | 3,898 |
| Net interest income | $1,407,000 | 5,788 |
| Provision for loan and lease losses | $42,000 | 4,660 |
| Total noninterest income | $260,000 | 5,056 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $165,000 | 3,947 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $95,000 | 5,241 |
| Total noninterest expense | $2,382,000 | 3,472 |
| Salaries and employee benefits | $1,120,000 | 3,944 |
| Premises and equipment expense | $533,000 | 2,325 |
| Additional noninterest expense | $729,000 | 3,358 |
| Pre-tax net operating income | $-757,000 | 8,641 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-4,000 | 8,452 |
| Income before extraordinary items | $-753,000 | 8,656 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-753,000 | 8,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,820 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-753,000 | 8,648 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,498,000 | 4,902 |
| Total interest expense | $799,000 | 3,823 |
| Net interest income | $699,000 | 5,807 |
| Provision for loan and lease losses | $42,000 | 3,489 |
| Total noninterest income | $83,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $70,000 | 4,229 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,271 |
| Total noninterest expense | $1,262,000 | 3,338 |
| Salaries and employee benefits | $576,000 | 3,875 |
| Premises and equipment expense | $299,000 | 2,110 |
| Additional noninterest expense | $387,000 | 3,215 |
| Pre-tax net operating income | $-522,000 | 8,703 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-5,000 | 8,490 |
| Income before extraordinary items | $-517,000 | 8,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-517,000 | 8,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-517,000 | 8,703 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,715,000 | 4,740 |
| Total interest expense | $2,908,000 | 3,425 |
| Net interest income | $2,807,000 | 5,711 |
| Provision for loan and lease losses | $84,000 | 5,073 |
| Total noninterest income | $630,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $325,000 | 4,002 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $305,000 | 4,299 |
| Total noninterest expense | $4,781,000 | 3,364 |
| Salaries and employee benefits | $2,316,000 | 3,698 |
| Premises and equipment expense | $1,099,000 | 2,181 |
| Additional noninterest expense | $1,366,000 | 3,485 |
| Pre-tax net operating income | $-1,428,000 | 8,712 |
| Securities gains (losses) | $-47,000 | 8,155 |
| Applicable income taxes | $-614,000 | 8,781 |
| Income before extraordinary items | $-861,000 | 8,640 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-861,000 | 8,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,900 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-830,920 | 8,616 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,238,000 | 4,741 |
| Total interest expense | $2,153,000 | 3,294 |
| Net interest income | $2,085,000 | 5,762 |
| Provision for loan and lease losses | $56,000 | 5,041 |
| Total noninterest income | $459,000 | 4,768 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $248,000 | 3,978 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $211,000 | 4,494 |
| Total noninterest expense | $3,564,000 | 3,353 |
| Salaries and employee benefits | $1,714,000 | 3,722 |
| Premises and equipment expense | $812,000 | 2,202 |
| Additional noninterest expense | $1,038,000 | 3,411 |
| Pre-tax net operating income | $-1,076,000 | 8,733 |
| Securities gains (losses) | $-33,000 | 8,363 |
| Applicable income taxes | $-450,000 | 8,817 |
| Income before extraordinary items | $-659,000 | 8,689 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-659,000 | 8,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,581 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-637,880 | 8,663 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,805,000 | 4,709 |
| Total interest expense | $1,436,000 | 3,158 |
| Net interest income | $1,369,000 | 5,796 |
| Provision for loan and lease losses | $43,000 | 4,790 |
| Total noninterest income | $339,000 | 4,452 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $160,000 | 3,998 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $179,000 | 3,951 |
| Total noninterest expense | $2,316,000 | 3,392 |
| Salaries and employee benefits | $1,135,000 | 3,723 |
| Premises and equipment expense | $536,000 | 2,216 |
| Additional noninterest expense | $645,000 | 3,588 |
| Pre-tax net operating income | $-651,000 | 8,719 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $-267,000 | 8,812 |
| Income before extraordinary items | $-388,000 | 8,680 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-388,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,872 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-385,440 | 8,652 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 4,707 |
| Total interest expense | $747,000 | 2,966 |
| Net interest income | $647,000 | 5,989 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $125,000 | 5,157 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $76,000 | 4,047 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $1,252,000 | 3,198 |
| Salaries and employee benefits | $583,000 | 3,651 |
| Premises and equipment expense | $272,000 | 2,187 |
| Additional noninterest expense | $397,000 | 3,034 |
| Pre-tax net operating income | $-480,000 | 8,847 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-194,000 | 8,878 |
| Income before extraordinary items | $-286,000 | 8,800 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-286,000 | 8,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-286,000 | 8,783 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 4,383 |
| Total interest expense | $2,906,000 | 2,696 |
| Net interest income | $2,870,000 | 5,540 |
| Provision for loan and lease losses | $48,000 | 5,981 |
| Total noninterest income | $666,000 | 4,536 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $410,000 | 3,588 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $256,000 | 4,585 |
| Total noninterest expense | $4,477,000 | 3,429 |
| Salaries and employee benefits | $1,955,000 | 4,073 |
| Premises and equipment expense | $1,075,000 | 2,130 |
| Additional noninterest expense | $1,447,000 | 3,211 |
| Pre-tax net operating income | $-989,000 | 8,802 |
| Securities gains (losses) | $40,000 | 1,907 |
| Applicable income taxes | $-387,000 | 8,884 |
| Income before extraordinary items | $-562,000 | 8,738 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-562,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,748 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-587,600 | 8,723 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 4,328 |
| Total interest expense | $2,162,000 | 2,676 |
| Net interest income | $2,205,000 | 5,462 |
| Provision for loan and lease losses | $51,000 | 5,354 |
| Total noninterest income | $511,000 | 4,478 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $316,000 | 3,536 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $195,000 | 4,551 |
| Total noninterest expense | $3,339,000 | 3,416 |
| Salaries and employee benefits | $1,439,000 | 4,089 |
| Premises and equipment expense | $804,000 | 2,134 |
| Additional noninterest expense | $1,096,000 | 3,162 |
| Pre-tax net operating income | $-674,000 | 8,822 |
| Securities gains (losses) | $40,000 | 1,826 |
| Applicable income taxes | $-263,000 | 8,931 |
| Income before extraordinary items | $-371,000 | 8,767 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-371,000 | 8,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,900 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-396,600 | 8,749 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 4,282 |
| Total interest expense | $1,439,000 | 2,660 |
| Net interest income | $1,534,000 | 5,331 |
| Provision for loan and lease losses | $21,000 | 5,806 |
| Total noninterest income | $246,000 | 5,335 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $220,000 | 3,425 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $2,193,000 | 3,487 |
| Salaries and employee benefits | $898,000 | 4,327 |
| Premises and equipment expense | $547,000 | 2,089 |
| Additional noninterest expense | $748,000 | 3,124 |
| Pre-tax net operating income | $-434,000 | 8,875 |
| Securities gains (losses) | $40,000 | 1,595 |
| Applicable income taxes | $-167,000 | 8,979 |
| Income before extraordinary items | $-227,000 | 8,817 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-227,000 | 8,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-252,600 | 8,804 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,474,000 | 4,322 |
| Total interest expense | $731,000 | 2,656 |
| Net interest income | $743,000 | 5,441 |
| Provision for loan and lease losses | $7,000 | 5,890 |
| Total noninterest income | $174,000 | 4,410 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $72,000 | 4,358 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $102,000 | 3,674 |
| Total noninterest expense | $1,122,000 | 3,437 |
| Salaries and employee benefits | $406,000 | 4,686 |
| Premises and equipment expense | $311,000 | 1,864 |
| Additional noninterest expense | $405,000 | 2,877 |
| Pre-tax net operating income | $-212,000 | 8,918 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-86,000 | 9,025 |
| Income before extraordinary items | $-126,000 | 8,880 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-126,000 | 8,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-126,000 | 8,843 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,752,000 | 3,936 |
| Total interest expense | $3,193,000 | 2,705 |
| Net interest income | $3,559,000 | 4,742 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $1,048,000 | 3,621 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $218,000 | 5,074 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $830,000 | 2,677 |
| Total noninterest expense | $3,930,000 | 3,765 |
| Salaries and employee benefits | $1,926,000 | 4,056 |
| Premises and equipment expense | $619,000 | 3,434 |
| Additional noninterest expense | $1,385,000 | 3,310 |
| Pre-tax net operating income | $617,000 | 6,280 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $228,000 | 4,721 |
| Income before extraordinary items | $389,000 | 6,867 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $389,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,652 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $389,000 | 6,710 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 3,879 |
| Total interest expense | $2,424,000 | 2,766 |
| Net interest income | $2,804,000 | 4,599 |
| Provision for loan and lease losses | $57,000 | 5,593 |
| Total noninterest income | $849,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $157,000 | 5,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $692,000 | 2,579 |
| Total noninterest expense | $2,934,000 | 3,758 |
| Salaries and employee benefits | $1,433,000 | 4,071 |
| Premises and equipment expense | $447,000 | 3,538 |
| Additional noninterest expense | $1,054,000 | 3,238 |
| Pre-tax net operating income | $662,000 | 5,652 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $249,000 | 4,285 |
| Income before extraordinary items | $413,000 | 6,282 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $413,000 | 6,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,923 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $413,000 | 6,106 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,584,000 | 3,819 |
| Total interest expense | $1,634,000 | 2,821 |
| Net interest income | $1,950,000 | 4,467 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $821,000 | 2,707 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $103,000 | 5,211 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $718,000 | 1,931 |
| Total noninterest expense | $1,982,000 | 3,719 |
| Salaries and employee benefits | $956,000 | 4,054 |
| Premises and equipment expense | $298,000 | 3,511 |
| Additional noninterest expense | $728,000 | 3,127 |
| Pre-tax net operating income | $739,000 | 4,280 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $280,000 | 3,356 |
| Income before extraordinary items | $459,000 | 5,024 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $459,000 | 5,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,270 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $459,000 | 4,823 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 3,773 |
| Total interest expense | $819,000 | 2,874 |
| Net interest income | $1,011,000 | 4,362 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $252,000 | 3,623 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 5,348 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $205,000 | 2,685 |
| Total noninterest expense | $989,000 | 3,699 |
| Salaries and employee benefits | $460,000 | 4,168 |
| Premises and equipment expense | $162,000 | 3,275 |
| Additional noninterest expense | $367,000 | 3,068 |
| Pre-tax net operating income | $251,000 | 5,270 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $83,000 | 4,283 |
| Income before extraordinary items | $168,000 | 5,743 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $168,000 | 5,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $168,000 | 5,545 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,807,000 | 3,718 |
| Total interest expense | $3,791,000 | 2,882 |
| Net interest income | $4,016,000 | 4,336 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $774,000 | 4,078 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $197,000 | 5,230 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $577,000 | 3,036 |
| Total noninterest expense | $3,501,000 | 3,973 |
| Salaries and employee benefits | $1,743,000 | 4,192 |
| Premises and equipment expense | $526,000 | 3,789 |
| Additional noninterest expense | $1,232,000 | 3,532 |
| Pre-tax net operating income | $1,253,000 | 4,598 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $456,000 | 3,639 |
| Income before extraordinary items | $806,000 | 5,188 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $806,000 | 5,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,979 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $800,240 | 5,067 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,135,000 | 3,969 |
| Total interest expense | $5,018,000 | 3,146 |
| Net interest income | $3,117,000 | 4,922 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $600,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $161,000 | 5,656 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $439,000 | 3,359 |
| Total noninterest expense | $3,277,000 | 4,045 |
| Salaries and employee benefits | $1,654,000 | 4,198 |
| Premises and equipment expense | $529,000 | 3,705 |
| Additional noninterest expense | $1,094,000 | 3,778 |
| Pre-tax net operating income | $428,000 | 6,846 |
| Securities gains (losses) | $43,000 | 2,496 |
| Applicable income taxes | $129,000 | 5,671 |
| Income before extraordinary items | $342,000 | 6,872 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $342,000 | 6,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $310,610 | 6,954 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,447,000 | 3,956 |
| Total interest expense | $5,439,000 | 3,076 |
| Net interest income | $3,008,000 | 5,153 |
| Provision for loan and lease losses | $8,000 | 8,049 |
| Total noninterest income | $348,000 | 5,900 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $145,000 | 5,838 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $203,000 | 4,761 |
| Total noninterest expense | $2,868,000 | 4,385 |
| Salaries and employee benefits | $1,434,000 | 4,523 |
| Premises and equipment expense | $345,000 | 4,979 |
| Additional noninterest expense | $1,089,000 | 3,724 |
| Pre-tax net operating income | $480,000 | 7,092 |
| Securities gains (losses) | $-48,000 | 9,187 |
| Applicable income taxes | $150,000 | 5,914 |
| Income before extraordinary items | $282,000 | 7,582 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $282,000 | 7,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $313,200 | 7,394 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,024,000 | 3,889 |
| Total interest expense | $4,672,000 | 3,115 |
| Net interest income | $3,352,000 | 4,782 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $349,000 | 6,015 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $135,000 | 6,084 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $214,000 | 4,785 |
| Total noninterest expense | $2,858,000 | 4,388 |
| Salaries and employee benefits | $1,573,000 | 4,170 |
| Premises and equipment expense | $287,000 | 5,600 |
| Additional noninterest expense | $998,000 | 4,031 |
| Pre-tax net operating income | $837,000 | 5,799 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $314,000 | 4,713 |
| Income before extraordinary items | $523,000 | 6,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $523,000 | 6,279 |
| 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 | $0 | 1,035 |
| Net operating income | $523,000 | 6,265 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,575,000 | 4,127 |
| Total interest expense | $4,319,000 | 3,428 |
| Net interest income | $3,256,000 | 4,850 |
| Provision for loan and lease losses | $17,000 | 7,887 |
| Total noninterest income | $203,000 | 7,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,506 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,031 |
| Total noninterest expense | $2,414,000 | 4,889 |
| Salaries and employee benefits | $1,309,000 | 4,734 |
| Premises and equipment expense | $264,000 | 5,779 |
| Additional noninterest expense | $841,000 | 4,509 |
| Pre-tax net operating income | $1,028,000 | 5,328 |
| Securities gains (losses) | $40,000 | 1,906 |
| Applicable income taxes | $404,000 | 4,388 |
| Income before extraordinary items | $664,000 | 5,751 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $664,000 | 5,750 |
| 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 | $0 | 1,027 |
| Net operating income | $638,400 | 5,762 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,965,000 | 4,517 |
| Total interest expense | $4,002,000 | 3,674 |
| Net interest income | $2,963,000 | 5,349 |
| Provision for loan and lease losses | $5,000 | 8,640 |
| Total noninterest income | $177,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,985 |
| Total noninterest expense | $2,235,000 | 5,233 |
| Salaries and employee benefits | $1,274,000 | 4,852 |
| Premises and equipment expense | $253,000 | 6,016 |
| Additional noninterest expense | $708,000 | 5,173 |
| Pre-tax net operating income | $900,000 | 6,152 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $345,000 | 5,359 |
| Income before extraordinary items | $559,000 | 6,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $559,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $556,440 | 6,571 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,380,000 | 4,943 |
| Total interest expense | $3,441,000 | 4,258 |
| Net interest income | $2,939,000 | 5,519 |
| Provision for loan and lease losses | $7,000 | 8,718 |
| Total noninterest income | $156,000 | 8,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 7,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,626 |
| Total noninterest expense | $2,465,000 | 5,066 |
| Salaries and employee benefits | $1,005,000 | 5,964 |
| Premises and equipment expense | $229,000 | 6,546 |
| Additional noninterest expense | $1,231,000 | 3,704 |
| Pre-tax net operating income | $623,000 | 7,297 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $223,000 | 6,802 |
| Income before extraordinary items | $400,000 | 7,617 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $400,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $400,000 | 7,552 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,461,000 | 4,876 |
| Total interest expense | $3,488,000 | 4,172 |
| Net interest income | $2,973,000 | 5,534 |
| Provision for loan and lease losses | $-5,000 | 11,373 |
| Total noninterest income | $404,000 | 5,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $301,000 | 3,990 |
| Total noninterest expense | $2,021,000 | 5,936 |
| Salaries and employee benefits | $962,000 | 6,237 |
| Premises and equipment expense | $228,000 | 6,692 |
| Additional noninterest expense | $831,000 | 5,103 |
| Pre-tax net operating income | $1,361,000 | 4,800 |
| Securities gains (losses) | $105,000 | 938 |
| Applicable income taxes | $509,000 | 4,145 |
| Income before extraordinary items | $957,000 | 4,766 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $957,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $888,750 | 5,028 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,292,000 | 4,657 |
| Total interest expense | $2,935,000 | 4,044 |
| Net interest income | $3,357,000 | 5,131 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $243,000 | 8,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-13,000 | 4,820 |
| Additional Noninterest Income | $256,000 | 4,515 |
| Total noninterest expense | $1,984,000 | 6,248 |
| Salaries and employee benefits | $1,028,000 | 5,956 |
| Premises and equipment expense | $342,000 | 5,158 |
| Additional noninterest expense | $614,000 | 6,931 |
| Pre-tax net operating income | $1,613,000 | 4,143 |
| Securities gains (losses) | $-94,000 | 11,489 |
| Applicable income taxes | $656,000 | 3,250 |
| Income before extraordinary items | $863,000 | 5,060 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $863,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $923,160 | 4,853 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,374,000 | 4,698 |
| Total interest expense | $3,233,000 | 3,861 |
| Net interest income | $3,141,000 | 5,458 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $389,000 | 6,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $22,000 | 375 |
| Additional Noninterest Income | $367,000 | 3,975 |
| Total noninterest expense | $1,961,000 | 6,448 |
| Salaries and employee benefits | $974,000 | 6,281 |
| Premises and equipment expense | $352,000 | 5,209 |
| Additional noninterest expense | $635,000 | 7,040 |
| Pre-tax net operating income | $1,551,000 | 4,194 |
| Securities gains (losses) | $229,000 | 1,535 |
| Applicable income taxes | $670,000 | 3,246 |
| Income before extraordinary items | $1,110,000 | 4,293 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,110,000 | 4,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $963,440 | 4,584 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,934,000 | 4,861 |
| Total interest expense | $4,067,000 | 4,013 |
| Net interest income | $2,867,000 | 5,936 |
| Provision for loan and lease losses | $51,000 | 8,987 |
| Total noninterest income | $482,000 | 5,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $14,000 | 394 |
| Additional Noninterest Income | $468,000 | 3,324 |
| Total noninterest expense | $1,827,000 | 6,863 |
| Salaries and employee benefits | $882,000 | 6,721 |
| Premises and equipment expense | $357,000 | 5,287 |
| Additional noninterest expense | $588,000 | 7,619 |
| Pre-tax net operating income | $1,471,000 | 4,107 |
| Securities gains (losses) | $397,000 | 1,290 |
| Applicable income taxes | $717,000 | 2,892 |
| Income before extraordinary items | $1,151,000 | 3,957 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,151,000 | 3,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $896,920 | 4,633 |
* 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.