Home > McIntosh Commercial Bank > Income and Expense
McIntosh Commercial Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,640,000 | 2,277 |
| Total interest expense | $11,290,000 | 1,043 |
| Net interest income | $3,350,000 | 5,077 |
| Provision for loan and lease losses | $223,000 | 5,653 |
| Total noninterest income | $-1,048,000 | 7,925 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $221,000 | 4,461 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,269,000 | 7,905 |
| Total noninterest expense | $11,721,000 | 1,747 |
| Salaries and employee benefits | $4,166,000 | 2,362 |
| Premises and equipment expense | $1,949,000 | 1,404 |
| Additional noninterest expense | $5,606,000 | 1,337 |
| Pre-tax net operating income | $-9,642,000 | 7,475 |
| Securities gains (losses) | $680,000 | 699 |
| Applicable income taxes | $-417,000 | 6,974 |
| Income before extraordinary items | $-8,545,000 | 7,500 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,545,000 | 7,499 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,545,000 | 7,499 |
| Net charge-offs | $4,682,000 | 1,204 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,191,000 | 7,530 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,992,000 | 2,157 |
| Total interest expense | $8,892,000 | 1,052 |
| Net interest income | $3,100,000 | 4,492 |
| Provision for loan and lease losses | $223,000 | 5,024 |
| Total noninterest income | $-601,000 | 8,020 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $179,000 | 4,331 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-780,000 | 7,990 |
| Total noninterest expense | $8,773,000 | 1,729 |
| Salaries and employee benefits | $3,269,000 | 2,279 |
| Premises and equipment expense | $1,462,000 | 1,407 |
| Additional noninterest expense | $4,042,000 | 1,343 |
| Pre-tax net operating income | $-6,497,000 | 7,591 |
| Securities gains (losses) | $680,000 | 543 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-5,817,000 | 7,637 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,817,000 | 7,637 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,817,000 | 7,637 |
| Net charge-offs | $2,668,000 | 1,270 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,497,000 | 7,677 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,124,000 | 2,162 |
| Total interest expense | $5,908,000 | 1,111 |
| Net interest income | $2,216,000 | 4,274 |
| Provision for loan and lease losses | $146,000 | 4,824 |
| Total noninterest income | $-838,000 | 8,129 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $115,000 | 4,375 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-953,000 | 8,122 |
| Total noninterest expense | $5,903,000 | 1,738 |
| Salaries and employee benefits | $2,258,000 | 2,231 |
| Premises and equipment expense | $975,000 | 1,437 |
| Additional noninterest expense | $2,670,000 | 1,392 |
| Pre-tax net operating income | $-4,671,000 | 7,723 |
| Securities gains (losses) | $497,000 | 507 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-4,174,000 | 7,747 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,174,000 | 7,746 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,174,000 | 7,746 |
| Net charge-offs | $2,293,000 | 1,037 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,671,000 | 7,794 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,127,000 | 2,150 |
| Total interest expense | $2,986,000 | 1,144 |
| Net interest income | $1,141,000 | 4,166 |
| Provision for loan and lease losses | $-139,000 | 8,219 |
| Total noninterest income | $-219,000 | 8,180 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $50,000 | 4,615 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-269,000 | 8,170 |
| Total noninterest expense | $2,608,000 | 1,903 |
| Salaries and employee benefits | $1,136,000 | 2,239 |
| Premises and equipment expense | $476,000 | 1,495 |
| Additional noninterest expense | $996,000 | 1,623 |
| Pre-tax net operating income | $-1,547,000 | 7,756 |
| Securities gains (losses) | $-28,000 | 7,898 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,575,000 | 7,843 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,575,000 | 7,844 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,575,000 | 7,844 |
| Net charge-offs | $1,565,000 | 713 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,547,000 | 7,828 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,733,000 | 1,944 |
| Total interest expense | $14,353,000 | 1,134 |
| Net interest income | $5,380,000 | 3,756 |
| Provision for loan and lease losses | $13,705,000 | 477 |
| Total noninterest income | $-1,004,000 | 8,251 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $246,000 | 4,390 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-1,250,000 | 8,257 |
| Total noninterest expense | $11,427,000 | 1,704 |
| Salaries and employee benefits | $6,292,000 | 1,626 |
| Premises and equipment expense | $2,140,000 | 1,279 |
| Additional noninterest expense | $2,995,000 | 2,012 |
| Pre-tax net operating income | $-20,756,000 | 8,103 |
| Securities gains (losses) | $748,000 | 272 |
| Applicable income taxes | $-581,000 | 7,547 |
| Income before extraordinary items | $-19,427,000 | 8,093 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-19,427,000 | 8,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,871,000 | 488 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,369 |
| Net operating income | $-20,152,560 | 8,117 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,552,000 | 1,789 |
| Total interest expense | $11,159,000 | 1,136 |
| Net interest income | $5,393,000 | 2,999 |
| Provision for loan and lease losses | $2,122,000 | 1,142 |
| Total noninterest income | $55,000 | 7,690 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $191,000 | 4,342 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-136,000 | 8,276 |
| Total noninterest expense | $8,823,000 | 1,650 |
| Salaries and employee benefits | $5,088,000 | 1,547 |
| Premises and equipment expense | $1,612,000 | 1,281 |
| Additional noninterest expense | $2,123,000 | 2,050 |
| Pre-tax net operating income | $-5,497,000 | 8,147 |
| Securities gains (losses) | $750,000 | 225 |
| Applicable income taxes | $-1,902,000 | 8,176 |
| Income before extraordinary items | $-2,845,000 | 7,994 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,845,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,256,000 | 1,133 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 994 |
| Net operating income | $-3,325,000 | 8,099 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,661,000 | 1,726 |
| Total interest expense | $7,997,000 | 1,092 |
| Net interest income | $3,664,000 | 2,944 |
| Provision for loan and lease losses | $1,521,000 | 941 |
| Total noninterest income | $102,000 | 6,621 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $129,000 | 4,338 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-27,000 | 8,351 |
| Total noninterest expense | $5,842,000 | 1,666 |
| Salaries and employee benefits | $3,509,000 | 1,502 |
| Premises and equipment expense | $1,043,000 | 1,319 |
| Additional noninterest expense | $1,290,000 | 2,197 |
| Pre-tax net operating income | $-3,597,000 | 8,253 |
| Securities gains (losses) | $472,000 | 334 |
| Applicable income taxes | $-1,239,000 | 8,288 |
| Income before extraordinary items | $-1,886,000 | 8,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,886,000 | 8,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $888,000 | 929 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 916 |
| Net operating income | $-2,188,080 | 8,223 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,646,000 | 1,564 |
| Total interest expense | $4,243,000 | 1,103 |
| Net interest income | $2,403,000 | 2,284 |
| Provision for loan and lease losses | $290,000 | 1,438 |
| Total noninterest income | $44,000 | 6,842 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $65,000 | 4,287 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-21,000 | 8,418 |
| Total noninterest expense | $2,859,000 | 1,695 |
| Salaries and employee benefits | $1,806,000 | 1,473 |
| Premises and equipment expense | $470,000 | 1,483 |
| Additional noninterest expense | $583,000 | 2,371 |
| Pre-tax net operating income | $-702,000 | 8,198 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-278,000 | 8,302 |
| Income before extraordinary items | $-424,000 | 8,098 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-424,000 | 8,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,247 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 800 |
| Net operating income | $-424,000 | 8,077 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,344,000 | 1,521 |
| Total interest expense | $16,085,000 | 1,236 |
| Net interest income | $12,259,000 | 1,850 |
| Provision for loan and lease losses | $1,756,000 | 939 |
| Total noninterest income | $229,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $205,000 | 4,868 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $24,000 | 7,697 |
| Total noninterest expense | $10,927,000 | 1,693 |
| Salaries and employee benefits | $6,825,000 | 1,480 |
| Premises and equipment expense | $1,711,000 | 1,551 |
| Additional noninterest expense | $2,391,000 | 2,258 |
| Pre-tax net operating income | $-195,000 | 7,640 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-77,000 | 7,985 |
| Income before extraordinary items | $-118,000 | 7,644 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-118,000 | 7,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,454,000 | 774 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 984 |
| Net operating income | $-118,000 | 7,622 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,108,000 | 1,534 |
| Total interest expense | $11,737,000 | 1,278 |
| Net interest income | $9,371,000 | 1,818 |
| Provision for loan and lease losses | $1,073,000 | 851 |
| Total noninterest income | $196,000 | 6,346 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $147,000 | 4,967 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $49,000 | 6,818 |
| Total noninterest expense | $8,174,000 | 1,685 |
| Salaries and employee benefits | $5,135,000 | 1,477 |
| Premises and equipment expense | $1,312,000 | 1,519 |
| Additional noninterest expense | $1,727,000 | 2,303 |
| Pre-tax net operating income | $320,000 | 6,489 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $127,000 | 4,212 |
| Income before extraordinary items | $193,000 | 6,838 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $193,000 | 6,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $855,000 | 727 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 853 |
| Net operating income | $193,000 | 6,828 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,596,000 | 1,600 |
| Total interest expense | $7,508,000 | 1,330 |
| Net interest income | $6,088,000 | 1,896 |
| Provision for loan and lease losses | $692,000 | 788 |
| Total noninterest income | $237,000 | 5,210 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $92,000 | 5,104 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $145,000 | 4,376 |
| Total noninterest expense | $5,378,000 | 1,716 |
| Salaries and employee benefits | $3,438,000 | 1,493 |
| Premises and equipment expense | $842,000 | 1,595 |
| Additional noninterest expense | $1,098,000 | 2,409 |
| Pre-tax net operating income | $255,000 | 6,320 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $101,000 | 4,118 |
| Income before extraordinary items | $154,000 | 6,718 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $154,000 | 6,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $681,000 | 584 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 748 |
| Net operating income | $154,000 | 6,706 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,562,000 | 1,652 |
| Total interest expense | $3,583,000 | 1,386 |
| Net interest income | $2,979,000 | 1,934 |
| Provision for loan and lease losses | $329,000 | 740 |
| Total noninterest income | $92,000 | 5,714 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $50,000 | 5,113 |
| Total noninterest expense | $2,621,000 | 1,769 |
| Salaries and employee benefits | $1,717,000 | 1,511 |
| Premises and equipment expense | $395,000 | 1,688 |
| Additional noninterest expense | $509,000 | 2,580 |
| Pre-tax net operating income | $121,000 | 6,409 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $48,000 | 4,172 |
| Income before extraordinary items | $73,000 | 6,816 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $73,000 | 6,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 581 |
| Net operating income | $73,000 | 6,793 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,093,000 | 1,904 |
| Total interest expense | $10,206,000 | 1,644 |
| Net interest income | $10,887,000 | 2,135 |
| Provision for loan and lease losses | $1,318,000 | 796 |
| Total noninterest income | $483,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $159,000 | 5,413 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $324,000 | 4,152 |
| Total noninterest expense | $8,433,000 | 2,089 |
| Salaries and employee benefits | $5,344,000 | 1,825 |
| Premises and equipment expense | $1,229,000 | 2,037 |
| Additional noninterest expense | $1,860,000 | 2,733 |
| Pre-tax net operating income | $1,619,000 | 4,134 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $538,000 | 3,047 |
| Income before extraordinary items | $1,081,000 | 4,532 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,081,000 | 4,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,038 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 981 |
| Net operating income | $1,081,000 | 4,520 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,872,000 | 1,986 |
| Total interest expense | $6,996,000 | 1,739 |
| Net interest income | $7,876,000 | 2,219 |
| Provision for loan and lease losses | $1,069,000 | 714 |
| Total noninterest income | $330,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $115,000 | 5,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $215,000 | 4,387 |
| Total noninterest expense | $5,752,000 | 2,299 |
| Salaries and employee benefits | $3,630,000 | 2,005 |
| Premises and equipment expense | $828,000 | 2,245 |
| Additional noninterest expense | $1,294,000 | 2,916 |
| Pre-tax net operating income | $1,385,000 | 3,968 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $549,000 | 2,730 |
| Income before extraordinary items | $836,000 | 4,600 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $836,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 1,417 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 887 |
| Net operating income | $836,000 | 4,588 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,228,000 | 2,089 |
| Total interest expense | $4,198,000 | 1,827 |
| Net interest income | $5,030,000 | 2,320 |
| Provision for loan and lease losses | $672,000 | 742 |
| Total noninterest income | $187,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $74,000 | 5,610 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $113,000 | 4,871 |
| Total noninterest expense | $3,487,000 | 2,532 |
| Salaries and employee benefits | $2,167,000 | 2,266 |
| Premises and equipment expense | $494,000 | 2,495 |
| Additional noninterest expense | $826,000 | 3,052 |
| Pre-tax net operating income | $1,058,000 | 3,667 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $420,000 | 2,539 |
| Income before extraordinary items | $638,000 | 4,294 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $638,000 | 4,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 1,049 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $638,000 | 4,281 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,333,000 | 2,163 |
| Total interest expense | $1,934,000 | 1,888 |
| Net interest income | $2,399,000 | 2,404 |
| Provision for loan and lease losses | $154,000 | 1,398 |
| Total noninterest income | $68,000 | 6,391 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $1,592,000 | 2,748 |
| Salaries and employee benefits | $980,000 | 2,488 |
| Premises and equipment expense | $229,000 | 2,675 |
| Additional noninterest expense | $383,000 | 3,240 |
| Pre-tax net operating income | $721,000 | 2,916 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $286,000 | 2,078 |
| Income before extraordinary items | $435,000 | 3,485 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $435,000 | 3,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,503 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $435,000 | 3,463 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,702,000 | 2,582 |
| Total interest expense | $5,236,000 | 2,107 |
| Net interest income | $7,466,000 | 2,874 |
| Provision for loan and lease losses | $1,207,000 | 866 |
| Total noninterest income | $377,000 | 5,851 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $101,000 | 6,278 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $276,000 | 4,527 |
| Total noninterest expense | $4,815,000 | 3,336 |
| Salaries and employee benefits | $2,746,000 | 3,208 |
| Premises and equipment expense | $806,000 | 2,878 |
| Additional noninterest expense | $1,263,000 | 3,709 |
| Pre-tax net operating income | $1,821,000 | 3,925 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $714,000 | 2,781 |
| Income before extraordinary items | $1,107,000 | 4,544 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,107,000 | 4,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $607,000 | 985 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,107,000 | 4,501 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,859,000 | 2,694 |
| Total interest expense | $3,584,000 | 2,174 |
| Net interest income | $5,275,000 | 3,013 |
| Provision for loan and lease losses | $919,000 | 813 |
| Total noninterest income | $277,000 | 5,946 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 6,430 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $207,000 | 4,538 |
| Total noninterest expense | $3,439,000 | 3,452 |
| Salaries and employee benefits | $1,920,000 | 3,401 |
| Premises and equipment expense | $587,000 | 2,936 |
| Additional noninterest expense | $932,000 | 3,704 |
| Pre-tax net operating income | $1,194,000 | 4,310 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $450,000 | 3,121 |
| Income before extraordinary items | $744,000 | 4,936 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $744,000 | 4,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 813 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $744,000 | 4,898 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 2,832 |
| Total interest expense | $2,127,000 | 2,299 |
| Net interest income | $3,300,000 | 3,150 |
| Provision for loan and lease losses | $565,000 | 877 |
| Total noninterest income | $156,000 | 6,260 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $40,000 | 6,599 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $116,000 | 4,882 |
| Total noninterest expense | $2,198,000 | 3,547 |
| Salaries and employee benefits | $1,241,000 | 3,460 |
| Premises and equipment expense | $377,000 | 3,002 |
| Additional noninterest expense | $580,000 | 3,905 |
| Pre-tax net operating income | $693,000 | 4,651 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $261,000 | 3,338 |
| Income before extraordinary items | $432,000 | 5,258 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $432,000 | 5,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,310 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $432,000 | 5,211 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,425,000 | 3,067 |
| Total interest expense | $943,000 | 2,453 |
| Net interest income | $1,482,000 | 3,438 |
| Provision for loan and lease losses | $191,000 | 1,168 |
| Total noninterest income | $65,000 | 6,590 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,411 |
| Total noninterest expense | $1,064,000 | 3,666 |
| Salaries and employee benefits | $614,000 | 3,498 |
| Premises and equipment expense | $184,000 | 3,086 |
| Additional noninterest expense | $266,000 | 4,163 |
| Pre-tax net operating income | $292,000 | 5,061 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $110,000 | 3,619 |
| Income before extraordinary items | $182,000 | 5,644 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $182,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $182,000 | 5,607 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,781,000 | 3,900 |
| Total interest expense | $2,361,000 | 3,192 |
| Net interest income | $4,420,000 | 4,172 |
| Provision for loan and lease losses | $452,000 | 2,136 |
| Total noninterest income | $201,000 | 7,140 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $76,000 | 6,838 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $125,000 | 6,030 |
| Total noninterest expense | $3,088,000 | 4,571 |
| Salaries and employee benefits | $1,969,000 | 4,043 |
| Premises and equipment expense | $399,000 | 4,771 |
| Additional noninterest expense | $720,000 | 5,425 |
| Pre-tax net operating income | $1,081,000 | 5,037 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $377,000 | 3,808 |
| Income before extraordinary items | $704,000 | 5,567 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $704,000 | 5,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $704,000 | 5,499 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,766,000 | 4,076 |
| Total interest expense | $1,632,000 | 3,358 |
| Net interest income | $3,134,000 | 4,342 |
| Provision for loan and lease losses | $246,000 | 2,603 |
| Total noninterest income | $144,000 | 7,260 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $58,000 | 6,852 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $86,000 | 6,193 |
| Total noninterest expense | $2,011,000 | 5,012 |
| Salaries and employee benefits | $1,240,000 | 4,583 |
| Premises and equipment expense | $269,000 | 5,098 |
| Additional noninterest expense | $502,000 | 5,622 |
| Pre-tax net operating income | $1,021,000 | 4,553 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $385,000 | 3,374 |
| Income before extraordinary items | $636,000 | 5,208 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $636,000 | 5,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $636,000 | 5,120 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,990,000 | 4,264 |
| Total interest expense | $1,015,000 | 3,553 |
| Net interest income | $1,975,000 | 4,512 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $79,000 | 7,621 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $39,000 | 6,883 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 6,793 |
| Total noninterest expense | $1,303,000 | 5,133 |
| Salaries and employee benefits | $807,000 | 4,689 |
| Premises and equipment expense | $181,000 | 5,097 |
| Additional noninterest expense | $315,000 | 5,831 |
| Pre-tax net operating income | $541,000 | 5,115 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $204,000 | 3,735 |
| Income before extraordinary items | $337,000 | 5,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $337,000 | 5,767 |
| 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 | $337,000 | 5,683 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 4,398 |
| Total interest expense | $478,000 | 3,783 |
| Net interest income | $963,000 | 4,594 |
| Provision for loan and lease losses | $88,000 | 2,379 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $602,000 | 5,440 |
| Salaries and employee benefits | $382,000 | 4,895 |
| Premises and equipment expense | $85,000 | 5,341 |
| Additional noninterest expense | $135,000 | 6,311 |
| Pre-tax net operating income | $293,000 | 4,862 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $110,000 | 3,630 |
| Income before extraordinary items | $183,000 | 5,549 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $183,000 | 5,549 |
| 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 | $183,000 | 5,434 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,931,000 | 5,707 |
| Total interest expense | $1,167,000 | 5,655 |
| Net interest income | $2,764,000 | 5,573 |
| Provision for loan and lease losses | $674,000 | 1,675 |
| Total noninterest income | $68,000 | 8,617 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $35,000 | 7,652 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $33,000 | 8,018 |
| Total noninterest expense | $2,048,000 | 5,919 |
| Salaries and employee benefits | $1,245,000 | 5,504 |
| Premises and equipment expense | $283,000 | 5,834 |
| Additional noninterest expense | $520,000 | 6,424 |
| Pre-tax net operating income | $110,000 | 8,165 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $35,000 | 6,511 |
| Income before extraordinary items | $75,000 | 8,350 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $75,000 | 8,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $75,000 | 8,240 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,628,000 | 6,110 |
| Total interest expense | $764,000 | 6,200 |
| Net interest income | $1,864,000 | 5,953 |
| Provision for loan and lease losses | $520,000 | 1,604 |
| Total noninterest income | $40,000 | 8,838 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $10,000 | 7,963 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $30,000 | 7,851 |
| Total noninterest expense | $1,496,000 | 5,988 |
| Salaries and employee benefits | $890,000 | 5,632 |
| Premises and equipment expense | $218,000 | 5,734 |
| Additional noninterest expense | $388,000 | 6,431 |
| Pre-tax net operating income | $-112,000 | 8,763 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-43,000 | 9,005 |
| Income before extraordinary items | $-69,000 | 8,811 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-69,000 | 8,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-69,000 | 8,740 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,534,000 | 6,571 |
| Total interest expense | $431,000 | 6,787 |
| Net interest income | $1,103,000 | 6,350 |
| Provision for loan and lease losses | $317,000 | 1,724 |
| Total noninterest income | $23,000 | 8,927 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $6,000 | 8,002 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $995,000 | 6,002 |
| Salaries and employee benefits | $603,000 | 5,599 |
| Premises and equipment expense | $141,000 | 5,847 |
| Additional noninterest expense | $251,000 | 6,516 |
| Pre-tax net operating income | $-186,000 | 8,912 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-71,000 | 9,103 |
| Income before extraordinary items | $-115,000 | 8,930 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-115,000 | 8,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-115,000 | 8,846 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $647,000 | 7,122 |
| Total interest expense | $174,000 | 7,437 |
| Net interest income | $473,000 | 6,803 |
| Provision for loan and lease losses | $145,000 | 1,841 |
| Total noninterest income | $9,000 | 9,027 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,000 | 8,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $479,000 | 6,142 |
| Salaries and employee benefits | $298,000 | 5,644 |
| Premises and equipment expense | $69,000 | 5,897 |
| Additional noninterest expense | $112,000 | 6,838 |
| Pre-tax net operating income | $-142,000 | 9,024 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-51,000 | 9,181 |
| Income before extraordinary items | $-91,000 | 9,025 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-91,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-91,000 | 8,952 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $215,000 | 9,269 |
| Total interest expense | $25,000 | 9,271 |
| Net interest income | $190,000 | 9,249 |
| Provision for loan and lease losses | $500,000 | 2,369 |
| Total noninterest income | $2,000 | 9,274 |
| 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 | $2,000 | 9,151 |
| Total noninterest expense | $833,000 | 8,277 |
| Salaries and employee benefits | $168,000 | 9,206 |
| Premises and equipment expense | $71,000 | 8,586 |
| Additional noninterest expense | $594,000 | 5,970 |
| Pre-tax net operating income | $-1,141,000 | 9,150 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-430,000 | 9,230 |
| Income before extraordinary items | $-711,000 | 9,116 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-711,000 | 9,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $10,500,000 | 53 |
| Net operating income | $-711,000 | 9,073 |
* 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.