Home > Western National Bank > Income and Expense
Western National Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,703,000 | 3,502 |
| Total interest expense | $920,000 | 4,040 |
| Net interest income | $4,783,000 | 3,325 |
| Provision for loan and lease losses | $4,843,000 | 632 |
| Total noninterest income | $175,000 | 5,645 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $86,000 | 5,354 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $89,000 | 5,217 |
| Total noninterest expense | $6,313,000 | 2,265 |
| Salaries and employee benefits | $1,774,000 | 3,727 |
| Premises and equipment expense | $802,000 | 2,300 |
| Additional noninterest expense | $3,737,000 | 1,385 |
| Pre-tax net operating income | $-6,198,000 | 7,271 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-6,198,000 | 7,286 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,198,000 | 7,284 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-6,198,000 | 7,285 |
| Net charge-offs | $3,005,000 | 952 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $261,000 | 416 |
| Net operating income | $-6,198,000 | 7,279 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 3,486 |
| Total interest expense | $684,000 | 3,873 |
| Net interest income | $3,190,000 | 3,328 |
| Provision for loan and lease losses | $1,448,000 | 1,172 |
| Total noninterest income | $108,000 | 5,754 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $55,000 | 5,408 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $53,000 | 5,391 |
| Total noninterest expense | $4,321,000 | 2,229 |
| Salaries and employee benefits | $1,300,000 | 3,479 |
| Premises and equipment expense | $544,000 | 2,275 |
| Additional noninterest expense | $2,477,000 | 1,417 |
| Pre-tax net operating income | $-2,471,000 | 7,231 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,471,000 | 7,251 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,471,000 | 7,251 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,471,000 | 7,252 |
| Net charge-offs | $1,743,000 | 1,011 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $261,000 | 282 |
| Net operating income | $-2,471,000 | 7,241 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,986,000 | 3,430 |
| Total interest expense | $420,000 | 3,486 |
| Net interest income | $1,566,000 | 3,355 |
| Provision for loan and lease losses | $143,000 | 2,946 |
| Total noninterest income | $59,000 | 5,740 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $25,000 | 5,503 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $34,000 | 5,221 |
| Total noninterest expense | $2,182,000 | 2,208 |
| Salaries and employee benefits | $766,000 | 3,108 |
| Premises and equipment expense | $276,000 | 2,286 |
| Additional noninterest expense | $1,140,000 | 1,523 |
| Pre-tax net operating income | $-700,000 | 7,181 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-700,000 | 7,215 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-700,000 | 7,215 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-700,000 | 7,216 |
| Net charge-offs | $913,000 | 911 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 201 |
| Net operating income | $-700,000 | 7,208 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,433,000 | 2,845 |
| Total interest expense | $2,616,000 | 2,883 |
| Net interest income | $7,817,000 | 2,784 |
| Provision for loan and lease losses | $10,396,000 | 636 |
| Total noninterest income | $128,000 | 6,453 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 5,159 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,000 | 7,001 |
| Total noninterest expense | $9,247,000 | 2,087 |
| Salaries and employee benefits | $2,635,000 | 3,453 |
| Premises and equipment expense | $1,244,000 | 2,037 |
| Additional noninterest expense | $5,368,000 | 1,350 |
| Pre-tax net operating income | $-11,698,000 | 7,396 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-11,698,000 | 7,415 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-11,698,000 | 7,415 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-11,698,000 | 7,415 |
| Net charge-offs | $9,247,000 | 646 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $264,000 | 578 |
| Net operating income | $-11,698,000 | 7,409 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,864,000 | 2,884 |
| Total interest expense | $2,079,000 | 2,869 |
| Net interest income | $5,785,000 | 2,848 |
| Provision for loan and lease losses | $8,205,000 | 588 |
| Total noninterest income | $173,000 | 5,892 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $104,000 | 5,117 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $69,000 | 5,663 |
| Total noninterest expense | $6,560,000 | 2,208 |
| Salaries and employee benefits | $2,039,000 | 3,390 |
| Premises and equipment expense | $964,000 | 2,003 |
| Additional noninterest expense | $3,557,000 | 1,491 |
| Pre-tax net operating income | $-8,807,000 | 7,524 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-8,807,000 | 7,557 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-8,807,000 | 7,557 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-8,807,000 | 7,557 |
| Net charge-offs | $7,011,000 | 624 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 499 |
| Net operating income | $-8,807,000 | 7,546 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,356,000 | 2,865 |
| Total interest expense | $1,463,000 | 2,852 |
| Net interest income | $3,893,000 | 2,816 |
| Provision for loan and lease losses | $6,756,000 | 492 |
| Total noninterest income | $191,000 | 5,099 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $76,000 | 4,972 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $115,000 | 4,402 |
| Total noninterest expense | $4,535,000 | 2,139 |
| Salaries and employee benefits | $1,390,000 | 3,362 |
| Premises and equipment expense | $673,000 | 1,933 |
| Additional noninterest expense | $2,472,000 | 1,443 |
| Pre-tax net operating income | $-7,207,000 | 7,630 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-7,207,000 | 7,650 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,207,000 | 7,650 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-7,207,000 | 7,650 |
| Net charge-offs | $6,488,000 | 473 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $143,000 | 427 |
| Net operating income | $-7,207,000 | 7,648 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,714,000 | 2,889 |
| Total interest expense | $803,000 | 2,754 |
| Net interest income | $1,911,000 | 2,909 |
| Provision for loan and lease losses | $3,620,000 | 486 |
| Total noninterest income | $72,000 | 5,598 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $42,000 | 4,797 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 5,438 |
| Total noninterest expense | $1,958,000 | 2,491 |
| Salaries and employee benefits | $714,000 | 3,343 |
| Premises and equipment expense | $344,000 | 1,957 |
| Additional noninterest expense | $900,000 | 1,898 |
| Pre-tax net operating income | $-3,595,000 | 7,717 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-3,595,000 | 7,736 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,595,000 | 7,737 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,595,000 | 7,737 |
| Net charge-offs | $3,107,000 | 479 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 327 |
| Net operating income | $-3,595,000 | 7,730 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,930,000 | 2,562 |
| Total interest expense | $4,479,000 | 2,489 |
| Net interest income | $8,451,000 | 2,574 |
| Provision for loan and lease losses | $7,546,000 | 1,070 |
| Total noninterest income | $373,000 | 5,236 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $163,000 | 5,014 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $210,000 | 4,551 |
| Total noninterest expense | $7,307,000 | 2,690 |
| Salaries and employee benefits | $3,214,000 | 3,004 |
| Premises and equipment expense | $1,438,000 | 1,873 |
| Additional noninterest expense | $2,655,000 | 2,611 |
| Pre-tax net operating income | $-6,029,000 | 7,274 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-282,000 | 6,848 |
| Income before extraordinary items | $-5,747,000 | 7,332 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,747,000 | 7,332 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,747,000 | 7,332 |
| Net charge-offs | $3,365,000 | 1,501 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $284,000 | 644 |
| Net operating income | $-5,747,000 | 7,347 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,824,000 | 2,573 |
| Total interest expense | $3,488,000 | 2,513 |
| Net interest income | $6,336,000 | 2,578 |
| Provision for loan and lease losses | $3,936,000 | 1,241 |
| Total noninterest income | $271,000 | 5,381 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $117,000 | 5,112 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $154,000 | 4,711 |
| Total noninterest expense | $5,627,000 | 2,631 |
| Salaries and employee benefits | $2,633,000 | 2,797 |
| Premises and equipment expense | $1,093,000 | 1,863 |
| Additional noninterest expense | $1,901,000 | 2,676 |
| Pre-tax net operating income | $-2,956,000 | 7,276 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,194,000 | 7,609 |
| Income before extraordinary items | $-1,762,000 | 7,094 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,762,000 | 7,092 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,762,000 | 7,093 |
| Net charge-offs | $2,201,000 | 1,421 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $294,000 | 515 |
| Net operating income | $-1,762,000 | 7,086 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,668,000 | 2,566 |
| Total interest expense | $2,383,000 | 2,552 |
| Net interest income | $4,285,000 | 2,524 |
| Provision for loan and lease losses | $1,689,000 | 1,557 |
| Total noninterest income | $204,000 | 5,190 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $74,000 | 5,211 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $130,000 | 4,354 |
| Total noninterest expense | $3,691,000 | 2,702 |
| Salaries and employee benefits | $1,820,000 | 2,739 |
| Premises and equipment expense | $739,000 | 1,873 |
| Additional noninterest expense | $1,132,000 | 2,975 |
| Pre-tax net operating income | $-891,000 | 6,954 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-362,000 | 7,482 |
| Income before extraordinary items | $-529,000 | 6,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-529,000 | 6,794 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-529,000 | 6,794 |
| Net charge-offs | $736,000 | 1,932 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $195,000 | 474 |
| Net operating income | $-529,000 | 6,771 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,419,000 | 2,542 |
| Total interest expense | $1,201,000 | 2,632 |
| Net interest income | $2,218,000 | 2,435 |
| Provision for loan and lease losses | $531,000 | 1,722 |
| Total noninterest income | $84,000 | 5,504 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $37,000 | 5,156 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $47,000 | 4,942 |
| Total noninterest expense | $1,714,000 | 2,797 |
| Salaries and employee benefits | $882,000 | 2,860 |
| Premises and equipment expense | $373,000 | 1,895 |
| Additional noninterest expense | $459,000 | 3,225 |
| Pre-tax net operating income | $57,000 | 5,532 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $21,000 | 3,530 |
| Income before extraordinary items | $36,000 | 5,903 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $36,000 | 5,905 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $36,000 | 5,905 |
| Net charge-offs | $19,000 | 4,361 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 365 |
| Net operating income | $36,000 | 5,736 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,985,000 | 2,467 |
| Total interest expense | $5,719,000 | 2,629 |
| Net interest income | $9,266,000 | 2,363 |
| Provision for loan and lease losses | $1,267,000 | 2,384 |
| Total noninterest income | $709,000 | 4,109 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $112,000 | 5,734 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $597,000 | 2,897 |
| Total noninterest expense | $8,051,000 | 2,365 |
| Salaries and employee benefits | $4,479,000 | 2,269 |
| Premises and equipment expense | $1,453,000 | 1,889 |
| Additional noninterest expense | $2,119,000 | 2,714 |
| Pre-tax net operating income | $657,000 | 4,491 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $298,000 | 2,411 |
| Income before extraordinary items | $360,000 | 4,875 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $360,000 | 4,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 3,831 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $391,000 | 608 |
| Net operating income | $359,360 | 5,045 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,236,000 | 2,515 |
| Total interest expense | $4,349,000 | 2,688 |
| Net interest income | $6,887,000 | 2,396 |
| Provision for loan and lease losses | $917,000 | 1,931 |
| Total noninterest income | $627,000 | 3,875 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $78,000 | 5,876 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $549,000 | 2,664 |
| Total noninterest expense | $6,243,000 | 2,290 |
| Salaries and employee benefits | $3,620,000 | 2,121 |
| Premises and equipment expense | $1,090,000 | 1,874 |
| Additional noninterest expense | $1,533,000 | 2,730 |
| Pre-tax net operating income | $354,000 | 5,428 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $148,000 | 3,248 |
| Income before extraordinary items | $207,000 | 5,668 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $207,000 | 5,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 491 |
| Net operating income | $206,360 | 5,843 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,328,000 | 2,603 |
| Total interest expense | $2,850,000 | 2,842 |
| Net interest income | $4,478,000 | 2,441 |
| Provision for loan and lease losses | $592,000 | 1,722 |
| Total noninterest income | $437,000 | 3,824 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $51,000 | 5,920 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $386,000 | 2,644 |
| Total noninterest expense | $4,318,000 | 2,213 |
| Salaries and employee benefits | $2,472,000 | 2,103 |
| Premises and equipment expense | $717,000 | 1,894 |
| Additional noninterest expense | $1,129,000 | 2,465 |
| Pre-tax net operating income | $5,000 | 6,903 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $9,000 | 5,023 |
| Income before extraordinary items | $-3,000 | 7,027 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,000 | 7,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $195,000 | 420 |
| Net operating income | $-3,640 | 6,987 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,649,000 | 2,682 |
| Total interest expense | $1,418,000 | 3,036 |
| Net interest income | $2,231,000 | 2,457 |
| Provision for loan and lease losses | $314,000 | 1,331 |
| Total noninterest income | $249,000 | 3,523 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $26,000 | 5,880 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $223,000 | 2,412 |
| Total noninterest expense | $2,177,000 | 2,194 |
| Salaries and employee benefits | $1,256,000 | 2,083 |
| Premises and equipment expense | $346,000 | 1,970 |
| Additional noninterest expense | $575,000 | 2,405 |
| Pre-tax net operating income | $-11,000 | 7,244 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $-11,000 | 7,340 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-11,000 | 7,340 |
| 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 | $98,000 | 326 |
| Net operating income | $-12,000 | 7,270 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,457,000 | 2,956 |
| Total interest expense | $5,625,000 | 3,169 |
| Net interest income | $7,832,000 | 2,784 |
| Provision for loan and lease losses | $930,000 | 1,499 |
| Total noninterest income | $1,592,000 | 2,594 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $81,000 | 6,291 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,511,000 | 1,660 |
| Total noninterest expense | $7,187,000 | 2,523 |
| Salaries and employee benefits | $4,254,000 | 2,366 |
| Premises and equipment expense | $908,000 | 2,786 |
| Additional noninterest expense | $2,025,000 | 2,647 |
| Pre-tax net operating income | $1,307,000 | 4,172 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $544,000 | 2,631 |
| Income before extraordinary items | $763,000 | 4,885 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $763,000 | 4,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,091 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $390,000 | 588 |
| Net operating income | $763,000 | 4,860 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,706,000 | 3,069 |
| Total interest expense | $3,991,000 | 3,292 |
| Net interest income | $5,715,000 | 2,861 |
| Provision for loan and lease losses | $520,000 | 1,519 |
| Total noninterest income | $1,088,000 | 2,753 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $56,000 | 6,413 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,032,000 | 1,791 |
| Total noninterest expense | $5,126,000 | 2,629 |
| Salaries and employee benefits | $3,066,000 | 2,443 |
| Premises and equipment expense | $587,000 | 3,119 |
| Additional noninterest expense | $1,473,000 | 2,657 |
| Pre-tax net operating income | $1,157,000 | 4,029 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $474,000 | 2,598 |
| Income before extraordinary items | $683,000 | 4,721 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $683,000 | 4,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 509 |
| Net operating income | $683,000 | 4,711 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,159,000 | 3,220 |
| Total interest expense | $2,476,000 | 3,481 |
| Net interest income | $3,683,000 | 2,984 |
| Provision for loan and lease losses | $204,000 | 2,137 |
| Total noninterest income | $733,000 | 2,738 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $35,000 | 6,515 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $698,000 | 1,783 |
| Total noninterest expense | $3,152,000 | 2,837 |
| Salaries and employee benefits | $1,908,000 | 2,621 |
| Premises and equipment expense | $286,000 | 3,972 |
| Additional noninterest expense | $958,000 | 2,729 |
| Pre-tax net operating income | $1,060,000 | 3,399 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $426,000 | 2,298 |
| Income before extraordinary items | $634,000 | 4,053 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $634,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $196,000 | 452 |
| Net operating income | $634,000 | 4,041 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,825,000 | 3,453 |
| Total interest expense | $1,104,000 | 3,751 |
| Net interest income | $1,721,000 | 3,159 |
| Provision for loan and lease losses | $317,000 | 760 |
| Total noninterest income | $362,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $18,000 | 6,477 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $344,000 | 1,771 |
| Total noninterest expense | $1,336,000 | 3,277 |
| Salaries and employee benefits | $872,000 | 2,865 |
| Premises and equipment expense | $132,000 | 4,228 |
| Additional noninterest expense | $332,000 | 3,665 |
| Pre-tax net operating income | $430,000 | 3,837 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $174,000 | 2,587 |
| Income before extraordinary items | $256,000 | 4,501 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $256,000 | 4,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 355 |
| Net operating income | $256,000 | 4,488 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,004,000 | 4,199 |
| Total interest expense | $3,225,000 | 4,128 |
| Net interest income | $4,779,000 | 4,147 |
| Provision for loan and lease losses | $694,000 | 1,430 |
| Total noninterest income | $738,000 | 4,239 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $37,000 | 7,075 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $701,000 | 2,766 |
| Total noninterest expense | $3,988,000 | 4,009 |
| Salaries and employee benefits | $2,427,000 | 3,689 |
| Premises and equipment expense | $499,000 | 4,275 |
| Additional noninterest expense | $1,062,000 | 4,324 |
| Pre-tax net operating income | $835,000 | 5,559 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $344,000 | 3,616 |
| Income before extraordinary items | $491,000 | 6,191 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $491,000 | 6,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $10,961,000 | 195 |
| Net operating income | $491,000 | 6,188 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,403,000 | 4,469 |
| Total interest expense | $2,146,000 | 4,351 |
| Net interest income | $3,257,000 | 4,471 |
| Provision for loan and lease losses | $592,000 | 1,228 |
| Total noninterest income | $350,000 | 5,290 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $24,000 | 7,217 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $326,000 | 3,591 |
| Total noninterest expense | $2,918,000 | 4,058 |
| Salaries and employee benefits | $1,772,000 | 3,767 |
| Premises and equipment expense | $372,000 | 4,303 |
| Additional noninterest expense | $774,000 | 4,379 |
| Pre-tax net operating income | $97,000 | 7,823 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $44,000 | 5,517 |
| Income before extraordinary items | $53,000 | 7,948 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $53,000 | 7,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $337,000 | 507 |
| Net operating income | $53,000 | 7,942 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,052,000 | 4,889 |
| Total interest expense | $1,063,000 | 5,066 |
| Net interest income | $1,989,000 | 4,733 |
| Provision for loan and lease losses | $424,000 | 1,125 |
| Total noninterest income | $206,000 | 5,565 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $16,000 | 7,270 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $190,000 | 3,856 |
| Total noninterest expense | $1,864,000 | 4,199 |
| Salaries and employee benefits | $1,131,000 | 3,915 |
| Premises and equipment expense | $255,000 | 4,223 |
| Additional noninterest expense | $478,000 | 4,623 |
| Pre-tax net operating income | $-93,000 | 8,333 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-35,000 | 8,555 |
| Income before extraordinary items | $-58,000 | 8,293 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-58,000 | 8,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 467 |
| Net operating income | $-58,000 | 8,290 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 5,427 |
| Total interest expense | $371,000 | 5,891 |
| Net interest income | $894,000 | 5,058 |
| Provision for loan and lease losses | $204,000 | 1,117 |
| Total noninterest income | $152,000 | 4,644 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $144,000 | 3,050 |
| Total noninterest expense | $766,000 | 4,830 |
| Salaries and employee benefits | $442,000 | 4,700 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $223,000 | 4,845 |
| Pre-tax net operating income | $76,000 | 7,364 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $31,000 | 4,987 |
| Income before extraordinary items | $45,000 | 7,616 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,616 |
| 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 | $45,000 | 7,618 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,901,000 | 7,544 |
| Total interest expense | $432,000 | 7,808 |
| Net interest income | $1,469,000 | 7,341 |
| Provision for loan and lease losses | $849,000 | 1,198 |
| Total noninterest income | $158,000 | 7,423 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $10,000 | 7,594 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $148,000 | 5,756 |
| Total noninterest expense | $2,126,000 | 5,898 |
| Salaries and employee benefits | $1,009,000 | 6,331 |
| Premises and equipment expense | $288,000 | 5,844 |
| Additional noninterest expense | $829,000 | 5,048 |
| Pre-tax net operating income | $-1,348,000 | 8,699 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-542,000 | 8,773 |
| Income before extraordinary items | $-806,000 | 8,627 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-806,000 | 8,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $12,007,000 | 153 |
| Net operating income | $-806,000 | 8,609 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $962,000 | 8,132 |
| Total interest expense | $189,000 | 8,317 |
| Net interest income | $773,000 | 7,943 |
| Provision for loan and lease losses | $589,000 | 1,220 |
| Total noninterest income | $115,000 | 7,488 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $111,000 | 5,769 |
| Total noninterest expense | $1,416,000 | 6,258 |
| Salaries and employee benefits | $763,000 | 6,297 |
| Premises and equipment expense | $189,000 | 6,172 |
| Additional noninterest expense | $464,000 | 5,927 |
| Pre-tax net operating income | $-1,117,000 | 8,741 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-450,000 | 8,817 |
| Income before extraordinary items | $-667,000 | 8,690 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-667,000 | 8,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $11,805,000 | 110 |
| Net operating income | $-667,000 | 8,668 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $339,000 | 8,598 |
| Total interest expense | $66,000 | 8,605 |
| Net interest income | $273,000 | 8,556 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $67,000 | 7,654 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $67,000 | 5,953 |
| Total noninterest expense | $839,000 | 6,617 |
| Salaries and employee benefits | $433,000 | 6,735 |
| Premises and equipment expense | $104,000 | 6,616 |
| Additional noninterest expense | $302,000 | 5,980 |
| Pre-tax net operating income | $-739,000 | 8,738 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-298,000 | 8,815 |
| Income before extraordinary items | $-441,000 | 8,702 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-441,000 | 8,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $11,805,000 | 71 |
| Net operating income | $-441,000 | 8,674 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $66,000 | 8,867 |
| Total interest expense | $8,000 | 8,846 |
| Net interest income | $58,000 | 8,859 |
| Provision for loan and lease losses | $52,000 | 3,132 |
| Total noninterest income | $28,000 | 7,863 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,283 |
| Total noninterest expense | $313,000 | 7,355 |
| Salaries and employee benefits | $168,000 | 7,407 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $109,000 | 6,925 |
| Pre-tax net operating income | $-279,000 | 8,776 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-112,000 | 8,852 |
| Income before extraordinary items | $-167,000 | 8,724 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-167,000 | 8,724 |
| 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 | $11,805,000 | 35 |
| Net operating income | $-167,000 | 8,703 |
* 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.