Home > First Niagara Commercial Bank > Income and Expense
First Niagara Commercial Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,115,000 | 2,554 |
| Total interest expense | $1,396,000 | 1,686 |
| Net interest income | $1,719,000 | 3,183 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $33,000 | 6,632 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $32,000 | 5,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,000 | 7,328 |
| Total noninterest expense | $989,000 | 4,313 |
| Salaries and employee benefits | $188,000 | 6,739 |
| Premises and equipment expense | $8,000 | 7,797 |
| Additional noninterest expense | $793,000 | 2,138 |
| Pre-tax net operating income | $763,000 | 1,693 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $77,000 | 2,378 |
| Income before extraordinary items | $686,000 | 1,591 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $686,000 | 1,593 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $686,000 | 1,593 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $686,000 | 1,530 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,070,000 | 2,219 |
| Total interest expense | $6,072,000 | 1,907 |
| Net interest income | $8,998,000 | 2,414 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $48,000 | 7,418 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $48,000 | 6,496 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $0 | 7,392 |
| Total noninterest expense | $3,933,000 | 4,398 |
| Salaries and employee benefits | $640,000 | 7,109 |
| Premises and equipment expense | $29,000 | 7,912 |
| Additional noninterest expense | $3,264,000 | 2,182 |
| Pre-tax net operating income | $5,113,000 | 825 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $846,000 | 1,088 |
| Income before extraordinary items | $4,267,000 | 805 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,267,000 | 804 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $4,267,000 | 805 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $4,267,000 | 798 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,690,000 | 2,194 |
| Total interest expense | $4,586,000 | 1,970 |
| Net interest income | $7,104,000 | 2,304 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $10,000 | 7,759 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $10,000 | 7,028 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $0 | 7,575 |
| Total noninterest expense | $2,774,000 | 4,576 |
| Salaries and employee benefits | $456,000 | 7,228 |
| Premises and equipment expense | $22,000 | 7,988 |
| Additional noninterest expense | $2,296,000 | 2,270 |
| Pre-tax net operating income | $4,340,000 | 786 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $794,000 | 1,016 |
| Income before extraordinary items | $3,546,000 | 764 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $3,546,000 | 762 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $3,546,000 | 765 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,546,000 | 752 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,064,000 | 2,175 |
| Total interest expense | $3,191,000 | 1,987 |
| Net interest income | $4,873,000 | 2,239 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $0 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $0 | 7,241 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $0 | 7,720 |
| Total noninterest expense | $1,750,000 | 4,772 |
| Salaries and employee benefits | $294,000 | 7,354 |
| Premises and equipment expense | $7,000 | 8,133 |
| Additional noninterest expense | $1,449,000 | 2,411 |
| Pre-tax net operating income | $3,123,000 | 747 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $585,000 | 951 |
| Income before extraordinary items | $2,538,000 | 726 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,538,000 | 723 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,538,000 | 727 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,538,000 | 709 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,300,000 | 2,066 |
| Total interest expense | $1,675,000 | 1,977 |
| Net interest income | $2,625,000 | 2,084 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $0 | 8,039 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $0 | 7,262 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $0 | 7,833 |
| Total noninterest expense | $669,000 | 5,502 |
| Salaries and employee benefits | $139,000 | 7,478 |
| Premises and equipment expense | $7,000 | 8,115 |
| Additional noninterest expense | $523,000 | 2,887 |
| Pre-tax net operating income | $1,956,000 | 627 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $428,000 | 781 |
| Income before extraordinary items | $1,528,000 | 668 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,528,000 | 667 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,528,000 | 670 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,528,000 | 625 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,688,000 | 2,373 |
| Total interest expense | $13,688,000 | 1,185 |
| Net interest income | $2,000,000 | 6,411 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $2,000 | 8,079 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,298 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,000 | 7,912 |
| Total noninterest expense | $1,554,000 | 6,800 |
| Salaries and employee benefits | $589,000 | 7,435 |
| Premises and equipment expense | $27,000 | 8,189 |
| Additional noninterest expense | $938,000 | 5,020 |
| Pre-tax net operating income | $448,000 | 5,018 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,766,000 | 7,885 |
| Income before extraordinary items | $2,214,000 | 1,806 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,214,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,214,000 | 1,925 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,442,000 | 2,173 |
| Total interest expense | $11,144,000 | 1,139 |
| Net interest income | $2,298,000 | 5,402 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $2,000 | 8,200 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,000 | 7,351 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,000 | 8,065 |
| Total noninterest expense | $1,150,000 | 6,826 |
| Salaries and employee benefits | $436,000 | 7,489 |
| Premises and equipment expense | $20,000 | 8,271 |
| Additional noninterest expense | $694,000 | 4,977 |
| Pre-tax net operating income | $1,150,000 | 3,395 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,114,000 | 8,076 |
| Income before extraordinary items | $2,264,000 | 1,601 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,264,000 | 1,601 |
| 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 | $0 | 1,238 |
| Net operating income | $2,264,000 | 1,687 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,661,000 | 2,050 |
| Total interest expense | $8,141,000 | 1,077 |
| Net interest income | $1,520,000 | 5,432 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $1,000 | 8,287 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,000 | 8,142 |
| Total noninterest expense | $765,000 | 6,888 |
| Salaries and employee benefits | $294,000 | 7,542 |
| Premises and equipment expense | $12,000 | 8,352 |
| Additional noninterest expense | $459,000 | 4,998 |
| Pre-tax net operating income | $756,000 | 3,558 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-892,000 | 8,258 |
| Income before extraordinary items | $1,648,000 | 1,642 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,648,000 | 1,642 |
| 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 | $0 | 1,136 |
| Net operating income | $1,648,000 | 1,616 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,412,000 | 1,896 |
| Total interest expense | $4,717,000 | 979 |
| Net interest income | $695,000 | 5,713 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $1,000 | 8,296 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $366,000 | 7,005 |
| Salaries and employee benefits | $140,000 | 7,642 |
| Premises and equipment expense | $5,000 | 8,402 |
| Additional noninterest expense | $221,000 | 5,061 |
| Pre-tax net operating income | $330,000 | 3,939 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-495,000 | 8,354 |
| Income before extraordinary items | $825,000 | 1,769 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $825,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $825,000 | 1,704 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,834,000 | 1,848 |
| Total interest expense | $22,425,000 | 882 |
| Net interest income | $409,000 | 8,345 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $4,000 | 8,364 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $4,000 | 7,400 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $0 | 8,329 |
| Total noninterest expense | $1,431,000 | 7,017 |
| Salaries and employee benefits | $511,000 | 7,780 |
| Premises and equipment expense | $19,000 | 8,448 |
| Additional noninterest expense | $901,000 | 4,959 |
| Pre-tax net operating income | $-1,018,000 | 8,052 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,621,000 | 8,469 |
| Income before extraordinary items | $1,603,000 | 3,293 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,603,000 | 3,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,603,000 | 3,278 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,514,000 | 1,924 |
| Total interest expense | $16,267,000 | 907 |
| Net interest income | $247,000 | 8,448 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $3,000 | 8,402 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $0 | 8,377 |
| Total noninterest expense | $1,016,000 | 7,114 |
| Salaries and employee benefits | $352,000 | 7,862 |
| Premises and equipment expense | $14,000 | 8,471 |
| Additional noninterest expense | $650,000 | 5,032 |
| Pre-tax net operating income | $-766,000 | 8,215 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,825,000 | 8,517 |
| Income before extraordinary items | $1,059,000 | 3,752 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,059,000 | 3,751 |
| 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 | $0 | 1,144 |
| Net operating income | $1,059,000 | 3,737 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,431,000 | 1,878 |
| Total interest expense | $11,049,000 | 896 |
| Net interest income | $382,000 | 8,149 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $3,000 | 8,449 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,000 | 7,446 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $0 | 8,426 |
| Total noninterest expense | $661,000 | 7,201 |
| Salaries and employee benefits | $229,000 | 7,946 |
| Premises and equipment expense | $10,000 | 8,506 |
| Additional noninterest expense | $422,000 | 5,108 |
| Pre-tax net operating income | $-276,000 | 8,134 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-959,000 | 8,577 |
| Income before extraordinary items | $683,000 | 3,874 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $683,000 | 3,874 |
| 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 | $0 | 1,051 |
| Net operating income | $683,000 | 3,865 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,514,000 | 1,929 |
| Total interest expense | $5,233,000 | 938 |
| Net interest income | $281,000 | 7,738 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $0 | 8,538 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $0 | 8,433 |
| Total noninterest expense | $271,000 | 7,613 |
| Salaries and employee benefits | $105,000 | 8,079 |
| Premises and equipment expense | $7,000 | 8,489 |
| Additional noninterest expense | $159,000 | 5,944 |
| Pre-tax net operating income | $10,000 | 7,744 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-404,000 | 8,603 |
| Income before extraordinary items | $414,000 | 3,411 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $414,000 | 3,411 |
| 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 | $0 | 885 |
| Net operating income | $414,000 | 3,390 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,938,000 | 2,555 |
| Total interest expense | $15,896,000 | 1,049 |
| Net interest income | $-958,000 | 8,680 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,000 | 8,568 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,000 | 7,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,495 |
| Total noninterest expense | $1,107,000 | 7,537 |
| Salaries and employee benefits | $372,000 | 8,216 |
| Premises and equipment expense | $30,000 | 8,524 |
| Additional noninterest expense | $705,000 | 5,619 |
| Pre-tax net operating income | $-2,063,000 | 8,585 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-2,657,000 | 8,660 |
| Income before extraordinary items | $594,000 | 5,841 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $594,000 | 5,842 |
| 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 | $0 | 1,251 |
| Net operating income | $594,000 | 5,834 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,810,000 | 2,852 |
| Total interest expense | $10,740,000 | 1,140 |
| Net interest income | $-930,000 | 8,742 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,000 | 8,655 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,569 |
| Total noninterest expense | $813,000 | 7,581 |
| Salaries and employee benefits | $261,000 | 8,288 |
| Premises and equipment expense | $22,000 | 8,581 |
| Additional noninterest expense | $530,000 | 5,595 |
| Pre-tax net operating income | $-1,742,000 | 8,679 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-2,202,000 | 8,729 |
| Income before extraordinary items | $460,000 | 5,950 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $460,000 | 5,951 |
| 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 | $0 | 1,045 |
| Net operating income | $460,000 | 5,944 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,316,000 | 2,897 |
| Total interest expense | $6,916,000 | 1,122 |
| Net interest income | $-600,000 | 8,776 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,000 | 8,682 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $564,000 | 7,550 |
| Salaries and employee benefits | $191,000 | 8,251 |
| Premises and equipment expense | $15,000 | 8,615 |
| Additional noninterest expense | $358,000 | 5,543 |
| Pre-tax net operating income | $-1,163,000 | 8,712 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-1,505,000 | 8,764 |
| Income before extraordinary items | $342,000 | 5,737 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $342,000 | 5,738 |
| 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 | $0 | 887 |
| Net operating income | $342,000 | 5,735 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 3,179 |
| Total interest expense | $3,046,000 | 1,213 |
| Net interest income | $-276,000 | 8,789 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $266,000 | 7,656 |
| Salaries and employee benefits | $88,000 | 8,336 |
| Premises and equipment expense | $5,000 | 8,677 |
| Additional noninterest expense | $173,000 | 5,628 |
| Pre-tax net operating income | $-541,000 | 8,705 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-821,000 | 8,772 |
| Income before extraordinary items | $280,000 | 4,594 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $280,000 | 4,594 |
| 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 | $280,000 | 4,580 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,251,000 | 4,497 |
| Total interest expense | $6,643,000 | 1,711 |
| Net interest income | $-392,000 | 8,831 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,000 | 8,747 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,000 | 8,658 |
| Total noninterest expense | $999,000 | 7,754 |
| Salaries and employee benefits | $210,000 | 8,676 |
| Premises and equipment expense | $8,000 | 8,784 |
| Additional noninterest expense | $781,000 | 5,250 |
| Pre-tax net operating income | $-1,390,000 | 8,706 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $-1,801,000 | 8,817 |
| Income before extraordinary items | $408,000 | 6,749 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $408,000 | 6,751 |
| 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 | $0 | 934 |
| Net operating income | $409,920 | 6,718 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,932,000 | 4,971 |
| Total interest expense | $4,007,000 | 1,992 |
| Net interest income | $-75,000 | 8,856 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,000 | 8,787 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,692 |
| Total noninterest expense | $701,000 | 7,838 |
| Salaries and employee benefits | $115,000 | 8,762 |
| Premises and equipment expense | $6,000 | 8,806 |
| Additional noninterest expense | $580,000 | 5,225 |
| Pre-tax net operating income | $-775,000 | 8,675 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $-1,148,000 | 8,844 |
| Income before extraordinary items | $371,000 | 6,535 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $371,000 | 6,536 |
| 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 | $0 | 769 |
| Net operating income | $372,280 | 6,488 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,438,000 | 5,139 |
| Total interest expense | $2,407,000 | 2,058 |
| Net interest income | $31,000 | 8,848 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,000 | 8,790 |
| 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 | $1,000 | 8,662 |
| Total noninterest expense | $456,000 | 7,889 |
| Salaries and employee benefits | $56,000 | 8,816 |
| Premises and equipment expense | $4,000 | 8,801 |
| Additional noninterest expense | $396,000 | 5,123 |
| Pre-tax net operating income | $-424,000 | 8,649 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-689,000 | 8,846 |
| Income before extraordinary items | $265,000 | 6,387 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $265,000 | 6,388 |
| 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 | $0 | 643 |
| Net operating income | $265,000 | 6,335 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,091,000 | 5,469 |
| Total interest expense | $1,005,000 | 2,327 |
| Net interest income | $86,000 | 8,798 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $0 | 8,858 |
| 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 | $0 | 8,766 |
| Total noninterest expense | $214,000 | 8,059 |
| Salaries and employee benefits | $19,000 | 8,902 |
| Premises and equipment expense | $2,000 | 8,862 |
| Additional noninterest expense | $193,000 | 5,211 |
| Pre-tax net operating income | $-128,000 | 8,676 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-278,000 | 8,892 |
| Income before extraordinary items | $150,000 | 6,094 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $150,000 | 6,095 |
| 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 | $150,000 | 6,054 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,467,000 | 6,920 |
| Total interest expense | $2,029,000 | 3,605 |
| Net interest income | $438,000 | 8,704 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $0 | 8,923 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $827,000 | 8,110 |
| Salaries and employee benefits | $73,000 | 8,937 |
| Premises and equipment expense | $12,000 | 8,908 |
| Additional noninterest expense | $742,000 | 5,337 |
| Pre-tax net operating income | $-389,000 | 8,608 |
| Securities gains (losses) | $-5,000 | 8,058 |
| Applicable income taxes | $-948,000 | 8,933 |
| Income before extraordinary items | $554,000 | 6,135 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $554,000 | 6,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $557,200 | 6,056 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 6,967 |
| Total interest expense | $1,352,000 | 3,919 |
| Net interest income | $473,000 | 8,557 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $0 | 8,980 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 8,890 |
| Total noninterest expense | $610,000 | 8,128 |
| Salaries and employee benefits | $52,000 | 8,988 |
| Premises and equipment expense | $9,000 | 8,948 |
| Additional noninterest expense | $549,000 | 5,341 |
| Pre-tax net operating income | $-137,000 | 8,618 |
| Securities gains (losses) | $-5,000 | 8,357 |
| Applicable income taxes | $-674,000 | 8,986 |
| Income before extraordinary items | $532,000 | 5,663 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $532,000 | 5,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $535,200 | 5,581 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,165,000 | 7,115 |
| Total interest expense | $858,000 | 4,063 |
| Net interest income | $307,000 | 8,628 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $0 | 9,031 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $394,000 | 8,231 |
| Salaries and employee benefits | $31,000 | 9,049 |
| Premises and equipment expense | $3,000 | 9,035 |
| Additional noninterest expense | $360,000 | 5,426 |
| Pre-tax net operating income | $-87,000 | 8,677 |
| Securities gains (losses) | $-5,000 | 8,574 |
| Applicable income taxes | $-439,000 | 9,031 |
| Income before extraordinary items | $347,000 | 5,701 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $347,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $350,200 | 5,587 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $478,000 | 7,586 |
| Total interest expense | $389,000 | 4,414 |
| Net interest income | $89,000 | 8,925 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $0 | 9,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $179,000 | 8,387 |
| Salaries and employee benefits | $13,000 | 9,089 |
| Premises and equipment expense | $2,000 | 9,056 |
| Additional noninterest expense | $164,000 | 5,716 |
| Pre-tax net operating income | $-90,000 | 8,785 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-203,000 | 9,069 |
| Income before extraordinary items | $113,000 | 6,645 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $113,000 | 6,644 |
| 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 | $113,000 | 6,525 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,803,000 | 6,737 |
| Total interest expense | $1,747,000 | 4,448 |
| Net interest income | $1,056,000 | 8,025 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $0 | 9,134 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $277,000 | 9,087 |
| Salaries and employee benefits | $77,000 | 9,136 |
| Premises and equipment expense | $7,000 | 9,132 |
| Additional noninterest expense | $193,000 | 8,480 |
| Pre-tax net operating income | $779,000 | 5,764 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-510,000 | 9,094 |
| Income before extraordinary items | $1,289,000 | 3,948 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,289,000 | 3,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $1,617,000 | 1,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,289,000 | 3,783 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 6,868 |
| Total interest expense | $1,320,000 | 4,535 |
| Net interest income | $742,000 | 8,182 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $0 | 9,186 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,106 |
| Total noninterest expense | $207,000 | 9,147 |
| Salaries and employee benefits | $56,000 | 9,200 |
| Premises and equipment expense | $5,000 | 9,183 |
| Additional noninterest expense | $146,000 | 8,491 |
| Pre-tax net operating income | $535,000 | 6,139 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-393,000 | 9,160 |
| Income before extraordinary items | $928,000 | 4,198 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $928,000 | 4,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $1,292,000 | 1,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $928,000 | 4,019 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,343,000 | 6,977 |
| Total interest expense | $867,000 | 4,683 |
| Net interest income | $476,000 | 8,278 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $0 | 9,217 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $139,000 | 9,174 |
| Salaries and employee benefits | $37,000 | 9,232 |
| Premises and equipment expense | $4,000 | 9,206 |
| Additional noninterest expense | $98,000 | 8,486 |
| Pre-tax net operating income | $337,000 | 6,265 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-259,000 | 9,194 |
| Income before extraordinary items | $596,000 | 4,322 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $596,000 | 4,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $292,000 | 2,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $596,000 | 4,109 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $669,000 | 7,031 |
| Total interest expense | $434,000 | 4,780 |
| Net interest income | $235,000 | 8,337 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $0 | 9,248 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $67,000 | 9,228 |
| Salaries and employee benefits | $19,000 | 9,275 |
| Premises and equipment expense | $2,000 | 9,243 |
| Additional noninterest expense | $46,000 | 8,601 |
| Pre-tax net operating income | $168,000 | 6,239 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-127,000 | 9,235 |
| Income before extraordinary items | $295,000 | 4,295 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $295,000 | 4,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $292,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $295,000 | 4,103 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 8,089 |
| Total interest expense | $1,160,000 | 6,522 |
| Net interest income | $626,000 | 8,854 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $0 | 9,294 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,201 |
| Total noninterest expense | $254,000 | 9,277 |
| Salaries and employee benefits | $71,000 | 9,309 |
| Premises and equipment expense | $8,000 | 9,300 |
| Additional noninterest expense | $175,000 | 8,718 |
| Pre-tax net operating income | $372,000 | 7,280 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $-345,000 | 9,201 |
| Income before extraordinary items | $720,000 | 5,484 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $720,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $586,000 | 3,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $717,000 | 5,354 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $958,000 | 9,185 |
| Total interest expense | $374,000 | 9,194 |
| Net interest income | $584,000 | 9,065 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $0 | 9,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $226,000 | 9,543 |
| Salaries and employee benefits | $27,000 | 9,589 |
| Premises and equipment expense | $9,000 | 9,560 |
| Additional noninterest expense | $190,000 | 8,739 |
| Pre-tax net operating income | $358,000 | 7,157 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $-126,000 | 9,305 |
| Income before extraordinary items | $487,000 | 6,141 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $487,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $484,000 | 6,029 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $279,000 | 9,791 |
| Total interest expense | $58,000 | 9,778 |
| Net interest income | $221,000 | 9,757 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $147,000 | 9,868 |
| Salaries and employee benefits | $0 | 9,881 |
| Premises and equipment expense | $4,000 | 9,855 |
| Additional noninterest expense | $143,000 | 9,293 |
| Pre-tax net operating income | $74,000 | 8,893 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $-24,000 | 9,393 |
| Income before extraordinary items | $99,000 | 8,715 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $99,000 | 8,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 298 |
| Net operating income | $98,000 | 8,710 |
* 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.