Home > Bank of Floyd > Income and Expense
Bank of Floyd, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $4,663,000 | 2,556 |
| Total interest expense | $652,000 | 2,000 |
| Net interest income | $4,011,000 | 2,632 |
| Provision for loan and lease losses | $-50,000 | 5,807 |
| Total noninterest income | $521,000 | 2,964 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $170,000 | 2,723 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $351,000 | 2,833 |
| Total noninterest expense | $4,879,000 | 1,961 |
| Salaries and employee benefits | $2,451,000 | 2,121 |
| Premises and equipment expense | $684,000 | 1,652 |
| Additional noninterest expense | $1,744,000 | 1,735 |
| Pre-tax net operating income | $-297,000 | 5,947 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $-297,000 | 5,953 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-297,000 | 5,952 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-297,000 | 5,952 |
| Net charge-offs | $46,000 | 2,204 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $-297,000 | 5,945 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 2,545 |
| Total interest expense | $334,000 | 1,974 |
| Net interest income | $2,009,000 | 2,630 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $229,000 | 3,149 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $82,000 | 2,770 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $147,000 | 3,007 |
| Total noninterest expense | $2,181,000 | 2,157 |
| Salaries and employee benefits | $1,163,000 | 2,229 |
| Premises and equipment expense | $333,000 | 1,715 |
| Additional noninterest expense | $685,000 | 2,129 |
| Pre-tax net operating income | $57,000 | 5,415 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $57,000 | 5,388 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $57,000 | 5,389 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $57,000 | 5,389 |
| Net charge-offs | $-4,000 | 4,749 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $57,000 | 5,330 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $9,868,000 | 2,392 |
| Total interest expense | $1,628,000 | 1,662 |
| Net interest income | $8,240,000 | 2,532 |
| Provision for loan and lease losses | $-483,000 | 5,941 |
| Total noninterest income | $1,113,000 | 2,899 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $301,000 | 3,030 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $812,000 | 2,636 |
| Total noninterest expense | $9,033,000 | 2,087 |
| Salaries and employee benefits | $4,545,000 | 2,227 |
| Premises and equipment expense | $1,333,000 | 1,719 |
| Additional noninterest expense | $3,155,000 | 1,915 |
| Pre-tax net operating income | $803,000 | 4,406 |
| Securities gains (losses) | $33,000 | 1,928 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $836,000 | 4,193 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $836,000 | 4,191 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $836,000 | 4,193 |
| Net charge-offs | $395,000 | 1,368 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $803,000 | 4,199 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $7,457,000 | 2,398 |
| Total interest expense | $1,259,000 | 1,632 |
| Net interest income | $6,198,000 | 2,532 |
| Provision for loan and lease losses | $-525,000 | 6,092 |
| Total noninterest income | $697,000 | 3,211 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $221,000 | 3,077 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $476,000 | 2,978 |
| Total noninterest expense | $6,754,000 | 2,085 |
| Salaries and employee benefits | $3,425,000 | 2,221 |
| Premises and equipment expense | $991,000 | 1,742 |
| Additional noninterest expense | $2,338,000 | 1,918 |
| Pre-tax net operating income | $666,000 | 4,359 |
| Securities gains (losses) | $33,000 | 1,737 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $699,000 | 4,118 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $699,000 | 4,118 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $699,000 | 4,121 |
| Net charge-offs | $397,000 | 1,009 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $666,000 | 4,132 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,934,000 | 2,414 |
| Total interest expense | $857,000 | 1,609 |
| Net interest income | $4,077,000 | 2,567 |
| Provision for loan and lease losses | $-525,000 | 6,206 |
| Total noninterest income | $334,000 | 3,745 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $144,000 | 3,102 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $190,000 | 3,706 |
| Total noninterest expense | $4,447,000 | 2,120 |
| Salaries and employee benefits | $2,265,000 | 2,255 |
| Premises and equipment expense | $677,000 | 1,717 |
| Additional noninterest expense | $1,505,000 | 1,993 |
| Pre-tax net operating income | $489,000 | 4,198 |
| Securities gains (losses) | $33,000 | 1,449 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $522,000 | 3,896 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $522,000 | 3,897 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $522,000 | 3,899 |
| Net charge-offs | $413,000 | 746 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $489,000 | 3,946 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,457,000 | 2,415 |
| Total interest expense | $437,000 | 1,593 |
| Net interest income | $2,020,000 | 2,580 |
| Provision for loan and lease losses | $34,000 | 2,410 |
| Total noninterest income | $220,000 | 3,262 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $67,000 | 3,209 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $153,000 | 2,990 |
| Total noninterest expense | $2,140,000 | 2,199 |
| Salaries and employee benefits | $1,122,000 | 2,291 |
| Premises and equipment expense | $333,000 | 1,763 |
| Additional noninterest expense | $685,000 | 2,142 |
| Pre-tax net operating income | $66,000 | 5,495 |
| Securities gains (losses) | $3,000 | 1,758 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $69,000 | 5,428 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $69,000 | 5,430 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $69,000 | 5,430 |
| Net charge-offs | $564,000 | 314 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $66,000 | 5,391 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,487,000 | 2,525 |
| Total interest expense | $1,907,000 | 1,551 |
| Net interest income | $7,580,000 | 2,743 |
| Provision for loan and lease losses | $-746,000 | 6,310 |
| Total noninterest income | $272,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $222,000 | 3,752 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $50,000 | 5,734 |
| Total noninterest expense | $8,381,000 | 2,238 |
| Salaries and employee benefits | $4,543,000 | 2,231 |
| Premises and equipment expense | $1,013,000 | 2,218 |
| Additional noninterest expense | $2,825,000 | 2,150 |
| Pre-tax net operating income | $217,000 | 5,639 |
| Securities gains (losses) | $-53,000 | 6,266 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $164,000 | 5,752 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $164,000 | 5,752 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $164,000 | 5,753 |
| Net charge-offs | $-1,089,000 | 6,457 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $217,000 | 5,580 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,052,000 | 2,562 |
| Total interest expense | $1,446,000 | 1,549 |
| Net interest income | $5,606,000 | 2,787 |
| Provision for loan and lease losses | $-1,616,000 | 6,509 |
| Total noninterest income | $80,000 | 6,011 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $146,000 | 3,994 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $-66,000 | 6,480 |
| Total noninterest expense | $6,177,000 | 2,281 |
| Salaries and employee benefits | $3,383,000 | 2,253 |
| Premises and equipment expense | $812,000 | 2,116 |
| Additional noninterest expense | $1,982,000 | 2,268 |
| Pre-tax net operating income | $1,125,000 | 3,568 |
| Securities gains (losses) | $-56,000 | 6,379 |
| Applicable income taxes | $-2,000 | 6,249 |
| Income before extraordinary items | $1,071,000 | 3,361 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,071,000 | 3,362 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,071,000 | 3,362 |
| Net charge-offs | $-1,074,000 | 6,541 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,127,000 | 3,230 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,668,000 | 2,575 |
| Total interest expense | $974,000 | 1,548 |
| Net interest income | $3,694,000 | 2,812 |
| Provision for loan and lease losses | $-1,458,000 | 6,586 |
| Total noninterest income | $-81,000 | 6,611 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $80,000 | 4,330 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $-161,000 | 6,609 |
| Total noninterest expense | $4,052,000 | 2,311 |
| Salaries and employee benefits | $2,235,000 | 2,277 |
| Premises and equipment expense | $548,000 | 2,102 |
| Additional noninterest expense | $1,269,000 | 2,365 |
| Pre-tax net operating income | $1,019,000 | 2,945 |
| Securities gains (losses) | $-56,000 | 6,495 |
| Applicable income taxes | $-2,000 | 6,329 |
| Income before extraordinary items | $965,000 | 2,712 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $965,000 | 2,716 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $965,000 | 2,716 |
| Net charge-offs | $-1,582,000 | 6,635 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,021,000 | 2,564 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,412,000 | 2,488 |
| Total interest expense | $493,000 | 1,550 |
| Net interest income | $1,919,000 | 2,720 |
| Provision for loan and lease losses | $105,000 | 1,539 |
| Total noninterest income | $199,000 | 3,470 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $36,000 | 4,495 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $163,000 | 2,851 |
| Total noninterest expense | $2,008,000 | 2,329 |
| Salaries and employee benefits | $1,116,000 | 2,281 |
| Premises and equipment expense | $278,000 | 2,130 |
| Additional noninterest expense | $614,000 | 2,435 |
| Pre-tax net operating income | $5,000 | 6,155 |
| Securities gains (losses) | $-1,000 | 6,239 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $4,000 | 6,193 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,000 | 6,192 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $4,000 | 6,194 |
| Net charge-offs | $-156,000 | 6,557 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $5,000 | 6,161 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,278,000 | 2,608 |
| Total interest expense | $2,279,000 | 1,493 |
| Net interest income | $6,999,000 | 2,906 |
| Provision for loan and lease losses | $2,976,000 | 441 |
| Total noninterest income | $387,000 | 4,789 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $168,000 | 4,395 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $219,000 | 4,496 |
| Total noninterest expense | $8,260,000 | 2,276 |
| Salaries and employee benefits | $4,521,000 | 2,247 |
| Premises and equipment expense | $820,000 | 2,656 |
| Additional noninterest expense | $2,919,000 | 2,135 |
| Pre-tax net operating income | $-3,850,000 | 6,738 |
| Securities gains (losses) | $812,000 | 292 |
| Applicable income taxes | $3,501,000 | 600 |
| Income before extraordinary items | $-6,539,000 | 6,767 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,539,000 | 6,768 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-6,539,000 | 6,768 |
| Net charge-offs | $1,753,000 | 834 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-7,351,000 | 6,774 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,929,000 | 2,632 |
| Total interest expense | $1,755,000 | 1,494 |
| Net interest income | $5,174,000 | 2,954 |
| Provision for loan and lease losses | $2,256,000 | 434 |
| Total noninterest income | $427,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $125,000 | 4,445 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $302,000 | 3,741 |
| Total noninterest expense | $5,750,000 | 2,427 |
| Salaries and employee benefits | $3,156,000 | 2,383 |
| Premises and equipment expense | $646,000 | 2,583 |
| Additional noninterest expense | $1,948,000 | 2,360 |
| Pre-tax net operating income | $-2,405,000 | 6,812 |
| Securities gains (losses) | $812,000 | 263 |
| Applicable income taxes | $-257,000 | 6,761 |
| Income before extraordinary items | $-1,336,000 | 6,749 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,336,000 | 6,750 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,336,000 | 6,750 |
| Net charge-offs | $1,668,000 | 684 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,018,080 | 6,793 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,641,000 | 2,621 |
| Total interest expense | $1,196,000 | 1,490 |
| Net interest income | $3,445,000 | 2,956 |
| Provision for loan and lease losses | $1,118,000 | 628 |
| Total noninterest income | $265,000 | 4,423 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $79,000 | 4,525 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $186,000 | 3,901 |
| Total noninterest expense | $3,688,000 | 2,515 |
| Salaries and employee benefits | $2,076,000 | 2,421 |
| Premises and equipment expense | $399,000 | 2,749 |
| Additional noninterest expense | $1,213,000 | 2,512 |
| Pre-tax net operating income | $-1,096,000 | 6,799 |
| Securities gains (losses) | $813,000 | 225 |
| Applicable income taxes | $-251,000 | 6,828 |
| Income before extraordinary items | $-32,000 | 6,431 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-32,000 | 6,433 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-32,000 | 6,433 |
| Net charge-offs | $743,000 | 951 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-552,320 | 6,718 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 2,649 |
| Total interest expense | $613,000 | 1,511 |
| Net interest income | $1,690,000 | 3,008 |
| Provision for loan and lease losses | $300,000 | 980 |
| Total noninterest income | $156,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $40,000 | 4,477 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $116,000 | 3,555 |
| Total noninterest expense | $1,772,000 | 2,641 |
| Salaries and employee benefits | $1,042,000 | 2,435 |
| Premises and equipment expense | $196,000 | 2,803 |
| Additional noninterest expense | $534,000 | 2,829 |
| Pre-tax net operating income | $-226,000 | 6,748 |
| Securities gains (losses) | $295,000 | 329 |
| Applicable income taxes | $-64,000 | 6,891 |
| Income before extraordinary items | $133,000 | 4,899 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $133,000 | 4,900 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $133,000 | 4,901 |
| Net charge-offs | $-11,000 | 6,232 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-162,000 | 6,697 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,793,000 | 2,875 |
| Total interest expense | $3,040,000 | 1,461 |
| Net interest income | $5,753,000 | 3,469 |
| Provision for loan and lease losses | $5,771,000 | 453 |
| Total noninterest income | $410,000 | 4,782 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $174,000 | 4,512 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $236,000 | 4,380 |
| Total noninterest expense | $6,879,000 | 2,698 |
| Salaries and employee benefits | $3,914,000 | 2,508 |
| Premises and equipment expense | $664,000 | 3,140 |
| Additional noninterest expense | $2,301,000 | 2,756 |
| Pre-tax net operating income | $-6,487,000 | 6,985 |
| Securities gains (losses) | $567,000 | 841 |
| Applicable income taxes | $-2,270,000 | 7,015 |
| Income before extraordinary items | $-3,650,000 | 6,926 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,650,000 | 6,925 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-3,650,000 | 6,925 |
| Net charge-offs | $6,993,000 | 436 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-4,012,880 | 6,929 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,574,000 | 2,945 |
| Total interest expense | $2,361,000 | 1,480 |
| Net interest income | $4,213,000 | 3,585 |
| Provision for loan and lease losses | $4,885,000 | 412 |
| Total noninterest income | $406,000 | 4,394 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $128,000 | 4,606 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $278,000 | 3,788 |
| Total noninterest expense | $5,175,000 | 2,693 |
| Salaries and employee benefits | $2,867,000 | 2,570 |
| Premises and equipment expense | $545,000 | 2,975 |
| Additional noninterest expense | $1,763,000 | 2,720 |
| Pre-tax net operating income | $-5,441,000 | 7,097 |
| Securities gains (losses) | $16,000 | 2,965 |
| Applicable income taxes | $-2,094,000 | 7,123 |
| Income before extraordinary items | $-3,331,000 | 7,058 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-3,331,000 | 7,058 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-3,331,000 | 7,058 |
| Net charge-offs | $6,236,000 | 386 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-3,341,240 | 7,048 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,404,000 | 2,958 |
| Total interest expense | $1,584,000 | 1,528 |
| Net interest income | $2,820,000 | 3,594 |
| Provision for loan and lease losses | $3,988,000 | 366 |
| Total noninterest income | $279,000 | 4,351 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $84,000 | 4,638 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 3,721 |
| Total noninterest expense | $3,482,000 | 2,689 |
| Salaries and employee benefits | $2,055,000 | 2,397 |
| Premises and equipment expense | $247,000 | 3,900 |
| Additional noninterest expense | $1,180,000 | 2,720 |
| Pre-tax net operating income | $-4,371,000 | 7,174 |
| Securities gains (losses) | $16,000 | 2,581 |
| Applicable income taxes | $-1,647,000 | 7,193 |
| Income before extraordinary items | $-2,708,000 | 7,143 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,708,000 | 7,142 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,708,000 | 7,143 |
| Net charge-offs | $3,838,000 | 417 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-2,718,240 | 7,138 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,243,000 | 2,945 |
| Total interest expense | $789,000 | 1,589 |
| Net interest income | $1,454,000 | 3,541 |
| Provision for loan and lease losses | $-7,000 | 7,106 |
| Total noninterest income | $136,000 | 4,429 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $41,000 | 4,661 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $95,000 | 3,783 |
| Total noninterest expense | $1,229,000 | 3,568 |
| Salaries and employee benefits | $766,000 | 3,123 |
| Premises and equipment expense | $124,000 | 3,907 |
| Additional noninterest expense | $339,000 | 4,058 |
| Pre-tax net operating income | $368,000 | 3,462 |
| Securities gains (losses) | $16,000 | 1,662 |
| Applicable income taxes | $50,000 | 3,068 |
| Income before extraordinary items | $334,000 | 3,435 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $334,000 | 3,438 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $334,000 | 3,438 |
| Net charge-offs | $-13,000 | 6,740 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $320,080 | 3,343 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,724,000 | 2,818 |
| Total interest expense | $3,066,000 | 1,924 |
| Net interest income | $6,658,000 | 3,198 |
| Provision for loan and lease losses | $547,000 | 3,333 |
| Total noninterest income | $460,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $198,000 | 4,399 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $262,000 | 4,067 |
| Total noninterest expense | $5,092,000 | 3,485 |
| Salaries and employee benefits | $3,206,000 | 2,955 |
| Premises and equipment expense | $497,000 | 4,062 |
| Additional noninterest expense | $1,389,000 | 4,057 |
| Pre-tax net operating income | $1,479,000 | 3,051 |
| Securities gains (losses) | $106,000 | 2,018 |
| Applicable income taxes | $220,000 | 2,810 |
| Income before extraordinary items | $1,365,000 | 2,971 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,365,000 | 2,973 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,365,000 | 2,973 |
| Net charge-offs | $698,000 | 2,784 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,273,840 | 3,000 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,352,000 | 2,832 |
| Total interest expense | $2,291,000 | 2,011 |
| Net interest income | $5,061,000 | 3,184 |
| Provision for loan and lease losses | $485,000 | 2,918 |
| Total noninterest income | $323,000 | 4,687 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $152,000 | 4,377 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $171,000 | 4,328 |
| Total noninterest expense | $3,820,000 | 3,494 |
| Salaries and employee benefits | $2,284,000 | 3,089 |
| Premises and equipment expense | $441,000 | 3,675 |
| Additional noninterest expense | $1,095,000 | 3,920 |
| Pre-tax net operating income | $1,079,000 | 3,175 |
| Securities gains (losses) | $36,000 | 2,537 |
| Applicable income taxes | $142,000 | 2,953 |
| Income before extraordinary items | $973,000 | 3,121 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $973,000 | 3,121 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $973,000 | 3,121 |
| Net charge-offs | $419,000 | 2,856 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $941,680 | 3,086 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,988,000 | 2,808 |
| Total interest expense | $1,537,000 | 2,066 |
| Net interest income | $3,451,000 | 3,131 |
| Provision for loan and lease losses | $361,000 | 2,721 |
| Total noninterest income | $199,000 | 4,885 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $98,000 | 4,419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 4,526 |
| Total noninterest expense | $2,558,000 | 3,520 |
| Salaries and employee benefits | $1,482,000 | 3,169 |
| Premises and equipment expense | $294,000 | 3,698 |
| Additional noninterest expense | $782,000 | 3,801 |
| Pre-tax net operating income | $731,000 | 3,103 |
| Securities gains (losses) | $35,000 | 1,800 |
| Applicable income taxes | $100,000 | 2,861 |
| Income before extraordinary items | $666,000 | 3,004 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $666,000 | 3,005 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $666,000 | 3,006 |
| Net charge-offs | $459,000 | 2,234 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $635,550 | 2,995 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,559,000 | 2,777 |
| Total interest expense | $789,000 | 2,089 |
| Net interest income | $1,770,000 | 3,041 |
| Provision for loan and lease losses | $167,000 | 2,649 |
| Total noninterest income | $65,000 | 5,583 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $45,000 | 4,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 5,800 |
| Total noninterest expense | $1,284,000 | 3,504 |
| Salaries and employee benefits | $720,000 | 3,256 |
| Premises and equipment expense | $168,000 | 3,421 |
| Additional noninterest expense | $396,000 | 3,756 |
| Pre-tax net operating income | $384,000 | 3,049 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $68,000 | 2,582 |
| Income before extraordinary items | $316,000 | 3,121 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $316,000 | 3,118 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $316,000 | 3,121 |
| Net charge-offs | $462,000 | 1,395 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $316,000 | 3,058 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,402,000 | 2,851 |
| Total interest expense | $4,395,000 | 1,833 |
| Net interest income | $6,007,000 | 3,464 |
| Provision for loan and lease losses | $661,000 | 3,691 |
| Total noninterest income | $517,000 | 4,497 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $185,000 | 4,561 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $332,000 | 3,809 |
| Total noninterest expense | $5,075,000 | 3,572 |
| Salaries and employee benefits | $2,947,000 | 3,168 |
| Premises and equipment expense | $626,000 | 3,612 |
| Additional noninterest expense | $1,502,000 | 4,003 |
| Pre-tax net operating income | $788,000 | 3,756 |
| Securities gains (losses) | $98,000 | 2,181 |
| Applicable income taxes | $-35,000 | 6,679 |
| Income before extraordinary items | $921,000 | 3,363 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $921,000 | 3,360 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $921,000 | 3,363 |
| Net charge-offs | $258,000 | 4,492 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $823,000 | 3,448 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,781,000 | 2,922 |
| Total interest expense | $3,351,000 | 1,877 |
| Net interest income | $4,430,000 | 3,556 |
| Provision for loan and lease losses | $361,000 | 4,059 |
| Total noninterest income | $384,000 | 4,592 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $138,000 | 4,644 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $246,000 | 3,864 |
| Total noninterest expense | $3,794,000 | 3,575 |
| Salaries and employee benefits | $2,161,000 | 3,240 |
| Premises and equipment expense | $478,000 | 3,607 |
| Additional noninterest expense | $1,155,000 | 3,911 |
| Pre-tax net operating income | $659,000 | 3,823 |
| Securities gains (losses) | $97,000 | 1,968 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $755,000 | 3,375 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $755,000 | 3,374 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $755,000 | 3,375 |
| Net charge-offs | $259,000 | 3,917 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $658,000 | 3,479 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,175,000 | 2,965 |
| Total interest expense | $2,242,000 | 1,933 |
| Net interest income | $2,933,000 | 3,575 |
| Provision for loan and lease losses | $271,000 | 3,778 |
| Total noninterest income | $253,000 | 4,596 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $91,000 | 4,654 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $162,000 | 3,858 |
| Total noninterest expense | $2,448,000 | 3,683 |
| Salaries and employee benefits | $1,408,000 | 3,323 |
| Premises and equipment expense | $306,000 | 3,743 |
| Additional noninterest expense | $734,000 | 4,010 |
| Pre-tax net operating income | $467,000 | 3,745 |
| Securities gains (losses) | $97,000 | 1,440 |
| Applicable income taxes | $15,000 | 3,923 |
| Income before extraordinary items | $549,000 | 3,240 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $549,000 | 3,235 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $549,000 | 3,238 |
| Net charge-offs | $18,000 | 5,558 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $454,910 | 3,458 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,598,000 | 2,999 |
| Total interest expense | $1,133,000 | 2,019 |
| Net interest income | $1,465,000 | 3,622 |
| Provision for loan and lease losses | $380,000 | 2,120 |
| Total noninterest income | $124,000 | 4,646 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $46,000 | 4,630 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $78,000 | 3,960 |
| Total noninterest expense | $1,180,000 | 3,809 |
| Salaries and employee benefits | $664,000 | 3,522 |
| Premises and equipment expense | $158,000 | 3,747 |
| Additional noninterest expense | $358,000 | 4,080 |
| Pre-tax net operating income | $29,000 | 5,925 |
| Securities gains (losses) | $4,000 | 1,944 |
| Applicable income taxes | $-77,000 | 7,408 |
| Income before extraordinary items | $110,000 | 4,848 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $110,000 | 4,848 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $110,000 | 4,847 |
| Net charge-offs | $20,000 | 4,422 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $106,000 | 4,785 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,400,000 | 3,139 |
| Total interest expense | $5,038,000 | 2,247 |
| Net interest income | $5,362,000 | 3,772 |
| Provision for loan and lease losses | $1,036,000 | 3,448 |
| Total noninterest income | $527,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $177,000 | 4,856 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $350,000 | 3,737 |
| Total noninterest expense | $4,558,000 | 3,962 |
| Salaries and employee benefits | $2,492,000 | 3,694 |
| Premises and equipment expense | $595,000 | 3,895 |
| Additional noninterest expense | $1,471,000 | 4,127 |
| Pre-tax net operating income | $295,000 | 4,517 |
| Securities gains (losses) | $50,000 | 2,617 |
| Applicable income taxes | $-248,000 | 6,818 |
| Income before extraordinary items | $593,000 | 3,607 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $593,000 | 3,606 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $593,000 | 3,606 |
| Net charge-offs | $216,000 | 4,899 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $543,000 | 3,674 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,709,000 | 3,223 |
| Total interest expense | $3,828,000 | 2,316 |
| Net interest income | $3,881,000 | 3,865 |
| Provision for loan and lease losses | $386,000 | 4,229 |
| Total noninterest income | $390,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $127,000 | 4,965 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $263,000 | 3,820 |
| Total noninterest expense | $3,856,000 | 3,592 |
| Salaries and employee benefits | $2,390,000 | 3,047 |
| Premises and equipment expense | $460,000 | 3,849 |
| Additional noninterest expense | $1,006,000 | 4,362 |
| Pre-tax net operating income | $29,000 | 5,564 |
| Securities gains (losses) | $50,000 | 2,298 |
| Applicable income taxes | $-254,000 | 7,161 |
| Income before extraordinary items | $333,000 | 4,284 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $333,000 | 4,279 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $333,000 | 4,282 |
| Net charge-offs | $76,000 | 5,315 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $283,000 | 4,418 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,087,000 | 3,268 |
| Total interest expense | $2,576,000 | 2,378 |
| Net interest income | $2,511,000 | 3,930 |
| Provision for loan and lease losses | $130,000 | 4,951 |
| Total noninterest income | $252,000 | 4,793 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $83,000 | 5,005 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $169,000 | 3,909 |
| Total noninterest expense | $2,593,000 | 3,618 |
| Salaries and employee benefits | $1,583,000 | 3,090 |
| Premises and equipment expense | $300,000 | 3,930 |
| Additional noninterest expense | $710,000 | 4,228 |
| Pre-tax net operating income | $40,000 | 5,569 |
| Securities gains (losses) | $23,000 | 2,272 |
| Applicable income taxes | $-167,000 | 7,271 |
| Income before extraordinary items | $230,000 | 4,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $230,000 | 4,362 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $230,000 | 4,362 |
| Net charge-offs | $77,000 | 4,509 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $207,000 | 4,395 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,543,000 | 3,302 |
| Total interest expense | $1,298,000 | 2,448 |
| Net interest income | $1,245,000 | 3,948 |
| Provision for loan and lease losses | $40,000 | 5,160 |
| Total noninterest income | $117,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $41,000 | 4,966 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $76,000 | 4,106 |
| Total noninterest expense | $1,263,000 | 3,623 |
| Salaries and employee benefits | $772,000 | 3,196 |
| Premises and equipment expense | $134,000 | 4,307 |
| Additional noninterest expense | $357,000 | 3,895 |
| Pre-tax net operating income | $59,000 | 5,506 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-73,000 | 7,496 |
| Income before extraordinary items | $132,000 | 4,556 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $132,000 | 4,560 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $132,000 | 4,560 |
| Net charge-offs | $81,000 | 3,089 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $132,000 | 4,388 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,456,000 | 3,161 |
| Total interest expense | $5,687,000 | 2,640 |
| Net interest income | $5,769,000 | 3,578 |
| Provision for loan and lease losses | $48,000 | 6,618 |
| Total noninterest income | $608,000 | 4,443 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $193,000 | 4,865 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $415,000 | 3,518 |
| Total noninterest expense | $4,636,000 | 3,789 |
| Salaries and employee benefits | $2,982,000 | 3,265 |
| Premises and equipment expense | $665,000 | 3,635 |
| Additional noninterest expense | $989,000 | 4,856 |
| Pre-tax net operating income | $1,693,000 | 2,810 |
| Securities gains (losses) | $39,000 | 1,771 |
| Applicable income taxes | $212,000 | 2,758 |
| Income before extraordinary items | $1,520,000 | 2,493 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,520,000 | 2,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,906 |
| Cash dividends | $445,000 | 3,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,485,680 | 2,679 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,592,000 | 3,225 |
| Total interest expense | $4,353,000 | 2,685 |
| Net interest income | $4,239,000 | 3,655 |
| Provision for loan and lease losses | $-23,000 | 8,288 |
| Total noninterest income | $489,000 | 4,376 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $147,000 | 4,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $342,000 | 3,457 |
| Total noninterest expense | $3,427,000 | 3,823 |
| Salaries and employee benefits | $2,198,000 | 3,362 |
| Premises and equipment expense | $499,000 | 3,638 |
| Additional noninterest expense | $730,000 | 4,826 |
| Pre-tax net operating income | $1,324,000 | 3,107 |
| Securities gains (losses) | $32,000 | 1,715 |
| Applicable income taxes | $170,000 | 3,083 |
| Income before extraordinary items | $1,186,000 | 2,776 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,186,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,860 |
| Cash dividends | $445,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,158,160 | 2,959 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 3,284 |
| Total interest expense | $2,918,000 | 2,773 |
| Net interest income | $2,778,000 | 3,695 |
| Provision for loan and lease losses | $-101,000 | 8,399 |
| Total noninterest income | $399,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $98,000 | 4,866 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $301,000 | 3,010 |
| Total noninterest expense | $2,359,000 | 3,751 |
| Salaries and employee benefits | $1,494,000 | 3,342 |
| Premises and equipment expense | $342,000 | 3,611 |
| Additional noninterest expense | $523,000 | 4,600 |
| Pre-tax net operating income | $919,000 | 3,122 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $121,000 | 3,250 |
| Income before extraordinary items | $805,000 | 3,032 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $805,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,518 |
| Cash dividends | $445,000 | 2,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $798,910 | 3,003 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 3,337 |
| Total interest expense | $1,461,000 | 2,954 |
| Net interest income | $1,421,000 | 3,626 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $137,000 | 4,813 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $50,000 | 4,810 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $87,000 | 4,033 |
| Total noninterest expense | $1,189,000 | 3,726 |
| Salaries and employee benefits | $747,000 | 3,367 |
| Premises and equipment expense | $178,000 | 3,523 |
| Additional noninterest expense | $264,000 | 4,521 |
| Pre-tax net operating income | $359,000 | 3,775 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $26,000 | 4,162 |
| Income before extraordinary items | $333,000 | 3,581 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $333,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $333,000 | 3,486 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,341,000 | 3,206 |
| Total interest expense | $5,891,000 | 3,046 |
| Net interest income | $6,450,000 | 3,322 |
| Provision for loan and lease losses | $-19,000 | 8,254 |
| Total noninterest income | $803,000 | 4,001 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $202,000 | 4,893 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $601,000 | 2,995 |
| Total noninterest expense | $4,629,000 | 3,677 |
| Salaries and employee benefits | $2,917,000 | 3,303 |
| Premises and equipment expense | $617,000 | 3,760 |
| Additional noninterest expense | $1,095,000 | 4,345 |
| Pre-tax net operating income | $2,643,000 | 2,703 |
| Securities gains (losses) | $56,000 | 759 |
| Applicable income taxes | $477,000 | 2,799 |
| Income before extraordinary items | $2,222,000 | 2,610 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,222,000 | 2,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,267 |
| Cash dividends | $1,921,000 | 1,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,176,080 | 2,647 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,304,000 | 3,193 |
| Total interest expense | $4,458,000 | 3,022 |
| Net interest income | $4,846,000 | 3,315 |
| Provision for loan and lease losses | $20,000 | 5,830 |
| Total noninterest income | $629,000 | 3,919 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $152,000 | 4,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $477,000 | 2,925 |
| Total noninterest expense | $3,374,000 | 3,738 |
| Salaries and employee benefits | $2,080,000 | 3,418 |
| Premises and equipment expense | $461,000 | 3,776 |
| Additional noninterest expense | $833,000 | 4,258 |
| Pre-tax net operating income | $2,081,000 | 2,760 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $372,000 | 2,901 |
| Income before extraordinary items | $1,709,000 | 2,707 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,709,000 | 2,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,240 |
| Cash dividends | $429,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,709,000 | 2,684 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,136,000 | 3,232 |
| Total interest expense | $2,941,000 | 3,054 |
| Net interest income | $3,195,000 | 3,368 |
| Provision for loan and lease losses | $20,000 | 5,312 |
| Total noninterest income | $477,000 | 3,654 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $102,000 | 4,904 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $375,000 | 2,662 |
| Total noninterest expense | $2,192,000 | 3,845 |
| Salaries and employee benefits | $1,347,000 | 3,530 |
| Premises and equipment expense | $310,000 | 3,769 |
| Additional noninterest expense | $535,000 | 4,373 |
| Pre-tax net operating income | $1,460,000 | 2,731 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $252,000 | 2,955 |
| Income before extraordinary items | $1,208,000 | 2,626 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,208,000 | 2,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,723 |
| Cash dividends | $430,000 | 2,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,208,000 | 2,604 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,026,000 | 3,261 |
| Total interest expense | $1,433,000 | 3,105 |
| Net interest income | $1,593,000 | 3,368 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $329,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $47,000 | 5,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $282,000 | 2,046 |
| Total noninterest expense | $1,062,000 | 3,950 |
| Salaries and employee benefits | $643,000 | 3,698 |
| Premises and equipment expense | $148,000 | 3,888 |
| Additional noninterest expense | $271,000 | 4,272 |
| Pre-tax net operating income | $840,000 | 2,487 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $131,000 | 2,930 |
| Income before extraordinary items | $709,000 | 2,293 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $709,000 | 2,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,847 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $709,000 | 2,272 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,352,000 | 3,236 |
| Total interest expense | $4,317,000 | 3,406 |
| Net interest income | $7,035,000 | 3,094 |
| Provision for loan and lease losses | $128,000 | 4,290 |
| Total noninterest income | $846,000 | 3,924 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $220,000 | 4,791 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $626,000 | 2,937 |
| Total noninterest expense | $4,358,000 | 3,720 |
| Salaries and employee benefits | $2,714,000 | 3,401 |
| Premises and equipment expense | $586,000 | 3,840 |
| Additional noninterest expense | $1,058,000 | 4,337 |
| Pre-tax net operating income | $3,395,000 | 2,545 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $795,000 | 2,485 |
| Income before extraordinary items | $2,603,000 | 2,528 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,603,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,784 |
| Cash dividends | $1,590,000 | 1,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,600,690 | 2,509 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,353,000 | 3,265 |
| Total interest expense | $3,003,000 | 3,512 |
| Net interest income | $5,350,000 | 3,083 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $537,000 | 4,315 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $164,000 | 4,842 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $373,000 | 3,324 |
| Total noninterest expense | $3,219,000 | 3,765 |
| Salaries and employee benefits | $2,018,000 | 3,426 |
| Premises and equipment expense | $434,000 | 3,885 |
| Additional noninterest expense | $767,000 | 4,411 |
| Pre-tax net operating income | $2,568,000 | 2,598 |
| Securities gains (losses) | $3,000 | 1,123 |
| Applicable income taxes | $609,000 | 2,574 |
| Income before extraordinary items | $1,962,000 | 2,604 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,962,000 | 2,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $414,000 | 3,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,959,720 | 2,599 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,419,000 | 3,289 |
| Total interest expense | $1,956,000 | 3,447 |
| Net interest income | $3,463,000 | 3,163 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $377,000 | 4,191 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $108,000 | 4,845 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $269,000 | 3,205 |
| Total noninterest expense | $2,173,000 | 3,735 |
| Salaries and employee benefits | $1,354,000 | 3,416 |
| Premises and equipment expense | $293,000 | 3,837 |
| Additional noninterest expense | $526,000 | 4,313 |
| Pre-tax net operating income | $1,667,000 | 2,660 |
| Securities gains (losses) | $3,000 | 925 |
| Applicable income taxes | $391,000 | 2,654 |
| Income before extraordinary items | $1,279,000 | 2,646 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,279,000 | 2,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,784 |
| Cash dividends | $415,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,276,690 | 2,638 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 3,198 |
| Total interest expense | $969,000 | 3,336 |
| Net interest income | $1,782,000 | 3,088 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $199,000 | 3,996 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $54,000 | 4,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $145,000 | 3,030 |
| Total noninterest expense | $1,088,000 | 3,759 |
| Salaries and employee benefits | $681,000 | 3,403 |
| Premises and equipment expense | $150,000 | 3,796 |
| Additional noninterest expense | $257,000 | 4,386 |
| Pre-tax net operating income | $893,000 | 2,481 |
| Securities gains (losses) | $2,000 | 793 |
| Applicable income taxes | $215,000 | 2,504 |
| Income before extraordinary items | $680,000 | 2,496 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $680,000 | 2,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $678,480 | 2,489 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,330,000 | 3,070 |
| Total interest expense | $3,525,000 | 2,925 |
| Net interest income | $6,805,000 | 3,113 |
| Provision for loan and lease losses | $48,000 | 5,807 |
| Total noninterest income | $674,000 | 4,489 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $240,000 | 4,650 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $434,000 | 3,639 |
| Total noninterest expense | $4,432,000 | 3,580 |
| Salaries and employee benefits | $2,729,000 | 3,232 |
| Premises and equipment expense | $622,000 | 3,549 |
| Additional noninterest expense | $1,081,000 | 4,158 |
| Pre-tax net operating income | $2,999,000 | 2,754 |
| Securities gains (losses) | $9,000 | 1,510 |
| Applicable income taxes | $657,000 | 2,927 |
| Income before extraordinary items | $2,351,000 | 2,716 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,351,000 | 2,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,966 |
| Cash dividends | $3,314,000 | 948 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,343,980 | 2,691 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,614,000 | 3,065 |
| Total interest expense | $2,569,000 | 2,864 |
| Net interest income | $5,045,000 | 3,126 |
| Provision for loan and lease losses | $48,000 | 5,260 |
| Total noninterest income | $465,000 | 4,737 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $181,000 | 4,678 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $284,000 | 3,903 |
| Total noninterest expense | $3,261,000 | 3,608 |
| Salaries and employee benefits | $1,971,000 | 3,315 |
| Premises and equipment expense | $470,000 | 3,519 |
| Additional noninterest expense | $820,000 | 4,109 |
| Pre-tax net operating income | $2,201,000 | 2,841 |
| Securities gains (losses) | $9,000 | 1,516 |
| Applicable income taxes | $482,000 | 3,010 |
| Income before extraordinary items | $1,728,000 | 2,782 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,728,000 | 2,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,475 |
| Cash dividends | $1,384,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,720,980 | 2,759 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,986,000 | 3,042 |
| Total interest expense | $1,641,000 | 2,831 |
| Net interest income | $3,345,000 | 3,108 |
| Provision for loan and lease losses | $36,000 | 4,958 |
| Total noninterest income | $293,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $116,000 | 4,726 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $177,000 | 3,973 |
| Total noninterest expense | $2,086,000 | 3,687 |
| Salaries and employee benefits | $1,254,000 | 3,427 |
| Premises and equipment expense | $321,000 | 3,429 |
| Additional noninterest expense | $511,000 | 4,300 |
| Pre-tax net operating income | $1,516,000 | 2,727 |
| Securities gains (losses) | $9,000 | 1,390 |
| Applicable income taxes | $340,000 | 2,876 |
| Income before extraordinary items | $1,185,000 | 2,672 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,185,000 | 2,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,091 |
| Cash dividends | $1,384,000 | 1,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,177,980 | 2,650 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 3,076 |
| Total interest expense | $787,000 | 2,836 |
| Net interest income | $1,631,000 | 3,167 |
| Provision for loan and lease losses | $24,000 | 4,451 |
| Total noninterest income | $143,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $87,000 | 4,019 |
| Total noninterest expense | $1,050,000 | 3,712 |
| Salaries and employee benefits | $617,000 | 3,484 |
| Premises and equipment expense | $169,000 | 3,324 |
| Additional noninterest expense | $264,000 | 4,190 |
| Pre-tax net operating income | $700,000 | 2,864 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $150,000 | 3,095 |
| Income before extraordinary items | $553,000 | 2,796 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $553,000 | 2,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $550,630 | 2,754 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,646,000 | 2,926 |
| Total interest expense | $3,157,000 | 2,512 |
| Net interest income | $6,489,000 | 3,088 |
| Provision for loan and lease losses | $55,000 | 5,837 |
| Total noninterest income | $654,000 | 4,592 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $255,000 | 4,706 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $399,000 | 3,724 |
| Total noninterest expense | $3,952,000 | 3,788 |
| Salaries and employee benefits | $2,464,000 | 3,390 |
| Premises and equipment expense | $544,000 | 3,824 |
| Additional noninterest expense | $944,000 | 4,561 |
| Pre-tax net operating income | $3,136,000 | 2,494 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $709,000 | 2,742 |
| Income before extraordinary items | $2,431,000 | 2,487 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,431,000 | 2,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,364 |
| Cash dividends | $769,000 | 2,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,427,920 | 2,442 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,230,000 | 2,896 |
| Total interest expense | $2,363,000 | 2,478 |
| Net interest income | $4,867,000 | 3,072 |
| Provision for loan and lease losses | $55,000 | 5,258 |
| Total noninterest income | $452,000 | 4,819 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $193,000 | 4,720 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $259,000 | 4,002 |
| Total noninterest expense | $2,789,000 | 3,940 |
| Salaries and employee benefits | $1,753,000 | 3,506 |
| Premises and equipment expense | $372,000 | 4,095 |
| Additional noninterest expense | $664,000 | 4,715 |
| Pre-tax net operating income | $2,475,000 | 2,411 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $587,000 | 2,601 |
| Income before extraordinary items | $1,892,000 | 2,437 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,892,000 | 2,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-146,000 | 8,872 |
| Cash dividends | $355,000 | 3,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,888,960 | 2,381 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,816,000 | 2,882 |
| Total interest expense | $1,584,000 | 2,449 |
| Net interest income | $3,232,000 | 3,077 |
| Provision for loan and lease losses | $25,000 | 5,618 |
| Total noninterest income | $284,000 | 4,955 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $128,000 | 4,721 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $156,000 | 4,232 |
| Total noninterest expense | $1,791,000 | 4,091 |
| Salaries and employee benefits | $1,110,000 | 3,673 |
| Premises and equipment expense | $239,000 | 4,211 |
| Additional noninterest expense | $442,000 | 4,742 |
| Pre-tax net operating income | $1,700,000 | 2,331 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $414,000 | 2,503 |
| Income before extraordinary items | $1,290,000 | 2,362 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,290,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 8,952 |
| Cash dividends | $355,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,286,960 | 2,307 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,237,000 | 3,082 |
| Total interest expense | $802,000 | 2,441 |
| Net interest income | $1,435,000 | 3,379 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $133,000 | 5,079 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $61,000 | 4,756 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $72,000 | 4,381 |
| Total noninterest expense | $867,000 | 4,214 |
| Salaries and employee benefits | $549,000 | 3,723 |
| Premises and equipment expense | $125,000 | 4,106 |
| Additional noninterest expense | $193,000 | 5,204 |
| Pre-tax net operating income | $701,000 | 2,707 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $158,000 | 2,998 |
| Income before extraordinary items | $547,000 | 2,724 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $547,000 | 2,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 9,010 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $543,880 | 2,650 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,637,000 | 2,938 |
| Total interest expense | $3,810,000 | 2,325 |
| Net interest income | $5,827,000 | 3,264 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $774,000 | 4,319 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $299,000 | 4,306 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $475,000 | 3,668 |
| Total noninterest expense | $3,494,000 | 4,122 |
| Salaries and employee benefits | $2,195,000 | 3,626 |
| Premises and equipment expense | $508,000 | 4,011 |
| Additional noninterest expense | $791,000 | 5,088 |
| Pre-tax net operating income | $3,077,000 | 2,447 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $720,000 | 2,737 |
| Income before extraordinary items | $2,357,000 | 2,508 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,357,000 | 2,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,003 |
| Cash dividends | $722,000 | 2,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,357,000 | 2,390 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,330,000 | 2,933 |
| Total interest expense | $2,961,000 | 2,325 |
| Net interest income | $4,369,000 | 3,284 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $535,000 | 4,547 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $226,000 | 4,303 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $309,000 | 3,989 |
| Total noninterest expense | $2,502,000 | 4,268 |
| Salaries and employee benefits | $1,543,000 | 3,824 |
| Premises and equipment expense | $392,000 | 3,919 |
| Additional noninterest expense | $567,000 | 5,212 |
| Pre-tax net operating income | $2,372,000 | 2,490 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $549,000 | 2,855 |
| Income before extraordinary items | $1,823,000 | 2,530 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,823,000 | 2,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,387 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,823,000 | 2,399 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,991,000 | 2,900 |
| Total interest expense | $2,041,000 | 2,328 |
| Net interest income | $2,950,000 | 3,236 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $328,000 | 4,762 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $151,000 | 4,272 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $177,000 | 4,260 |
| Total noninterest expense | $1,685,000 | 4,226 |
| Salaries and employee benefits | $1,042,000 | 3,787 |
| Premises and equipment expense | $262,000 | 3,895 |
| Additional noninterest expense | $381,000 | 5,183 |
| Pre-tax net operating income | $1,563,000 | 2,501 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $365,000 | 2,879 |
| Income before extraordinary items | $1,198,000 | 2,588 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,198,000 | 2,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,995 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,198,000 | 2,435 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,515,000 | 2,898 |
| Total interest expense | $1,043,000 | 2,341 |
| Net interest income | $1,472,000 | 3,227 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $155,000 | 4,810 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $80,000 | 4,337 |
| Total noninterest expense | $803,000 | 4,356 |
| Salaries and employee benefits | $466,000 | 4,113 |
| Premises and equipment expense | $133,000 | 3,855 |
| Additional noninterest expense | $204,000 | 4,894 |
| Pre-tax net operating income | $794,000 | 2,489 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $189,000 | 2,797 |
| Income before extraordinary items | $605,000 | 2,526 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $605,000 | 2,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,771 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $605,000 | 2,386 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,167,000 | 2,728 |
| Total interest expense | $4,964,000 | 2,263 |
| Net interest income | $6,203,000 | 3,057 |
| Provision for loan and lease losses | $375,000 | 2,962 |
| Total noninterest income | $664,000 | 4,470 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $300,000 | 4,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $364,000 | 3,858 |
| Total noninterest expense | $3,368,000 | 4,087 |
| Salaries and employee benefits | $2,062,000 | 3,652 |
| Premises and equipment expense | $487,000 | 4,017 |
| Additional noninterest expense | $819,000 | 4,849 |
| Pre-tax net operating income | $3,124,000 | 2,412 |
| Securities gains (losses) | $24,000 | 3,010 |
| Applicable income taxes | $728,000 | 2,759 |
| Income before extraordinary items | $2,420,000 | 2,416 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,420,000 | 2,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-93,000 | 9,223 |
| Cash dividends | $755,000 | 2,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,401,520 | 2,351 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,334,000 | 2,746 |
| Total interest expense | $6,475,000 | 2,476 |
| Net interest income | $5,859,000 | 3,000 |
| Provision for loan and lease losses | $442,000 | 2,431 |
| Total noninterest income | $499,000 | 5,077 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $270,000 | 4,441 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $229,000 | 4,650 |
| Total noninterest expense | $3,154,000 | 4,171 |
| Salaries and employee benefits | $1,933,000 | 3,694 |
| Premises and equipment expense | $475,000 | 4,069 |
| Additional noninterest expense | $746,000 | 5,029 |
| Pre-tax net operating income | $2,762,000 | 2,450 |
| Securities gains (losses) | $44,000 | 2,476 |
| Applicable income taxes | $662,000 | 2,780 |
| Income before extraordinary items | $2,144,000 | 2,385 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,144,000 | 2,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,626 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,110,560 | 2,328 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,503,000 | 2,998 |
| Total interest expense | $5,983,000 | 2,792 |
| Net interest income | $5,520,000 | 3,187 |
| Provision for loan and lease losses | $500,000 | 1,862 |
| Total noninterest income | $386,000 | 5,616 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $213,000 | 4,942 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $173,000 | 5,141 |
| Total noninterest expense | $2,992,000 | 4,241 |
| Salaries and employee benefits | $1,817,000 | 3,747 |
| Premises and equipment expense | $417,000 | 4,373 |
| Additional noninterest expense | $758,000 | 4,909 |
| Pre-tax net operating income | $2,414,000 | 2,839 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $534,000 | 3,338 |
| Income before extraordinary items | $1,880,000 | 2,710 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,880,000 | 2,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,027,000 | 736 |
| Cash dividends | $582,000 | 3,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,880,000 | 2,707 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,953,000 | 2,945 |
| Total interest expense | $5,603,000 | 2,629 |
| Net interest income | $5,350,000 | 3,238 |
| Provision for loan and lease losses | $142,000 | 4,395 |
| Total noninterest income | $438,000 | 5,354 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $181,000 | 5,383 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $257,000 | 4,370 |
| Total noninterest expense | $2,992,000 | 4,219 |
| Salaries and employee benefits | $1,920,000 | 3,569 |
| Premises and equipment expense | $393,000 | 4,598 |
| Additional noninterest expense | $679,000 | 5,357 |
| Pre-tax net operating income | $2,654,000 | 2,664 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $653,000 | 3,038 |
| Income before extraordinary items | $2,006,000 | 2,587 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,006,000 | 2,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,903 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,002,250 | 2,563 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,140,000 | 2,895 |
| Total interest expense | $5,798,000 | 2,612 |
| Net interest income | $5,342,000 | 3,214 |
| Provision for loan and lease losses | $175,000 | 3,848 |
| Total noninterest income | $390,000 | 5,708 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $137,000 | 6,148 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $253,000 | 4,394 |
| Total noninterest expense | $2,879,000 | 4,268 |
| Salaries and employee benefits | $1,765,000 | 3,729 |
| Premises and equipment expense | $355,000 | 4,829 |
| Additional noninterest expense | $759,000 | 4,855 |
| Pre-tax net operating income | $2,678,000 | 2,626 |
| Securities gains (losses) | $28,000 | 2,162 |
| Applicable income taxes | $768,000 | 2,831 |
| Income before extraordinary items | $1,938,000 | 2,627 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,938,000 | 2,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 10,055 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,917,840 | 2,570 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,885,000 | 2,985 |
| Total interest expense | $5,682,000 | 2,630 |
| Net interest income | $5,203,000 | 3,358 |
| Provision for loan and lease losses | $500,000 | 1,761 |
| Total noninterest income | $587,000 | 4,477 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $128,000 | 6,606 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $459,000 | 2,999 |
| Total noninterest expense | $2,824,000 | 4,302 |
| Salaries and employee benefits | $1,734,000 | 3,768 |
| Premises and equipment expense | $329,000 | 5,130 |
| Additional noninterest expense | $761,000 | 4,913 |
| Pre-tax net operating income | $2,466,000 | 2,951 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $633,000 | 3,517 |
| Income before extraordinary items | $1,840,000 | 2,780 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,840,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $1,100,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,834,820 | 2,735 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,274,000 | 3,198 |
| Total interest expense | $5,306,000 | 2,855 |
| Net interest income | $4,968,000 | 3,554 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $389,000 | 6,035 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $103,000 | 7,426 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $286,000 | 4,193 |
| Total noninterest expense | $2,856,000 | 4,469 |
| Salaries and employee benefits | $1,760,000 | 3,746 |
| Premises and equipment expense | $309,000 | 5,469 |
| Additional noninterest expense | $787,000 | 5,268 |
| Pre-tax net operating income | $2,201,000 | 3,158 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $596,000 | 3,610 |
| Income before extraordinary items | $1,611,000 | 2,988 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,611,000 | 2,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 1,535 |
| Cash dividends | $3,750,000 | 808 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,606,620 | 2,960 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,005,000 | 3,280 |
| Total interest expense | $5,059,000 | 2,993 |
| Net interest income | $4,946,000 | 3,578 |
| Provision for loan and lease losses | $136,000 | 3,832 |
| Total noninterest income | $215,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $121,000 | 6,633 |
| Total noninterest expense | $3,086,000 | 4,183 |
| Salaries and employee benefits | $1,576,000 | 4,105 |
| Premises and equipment expense | $287,000 | 5,828 |
| Additional noninterest expense | $1,223,000 | 3,678 |
| Pre-tax net operating income | $1,939,000 | 3,589 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $548,000 | 3,917 |
| Income before extraordinary items | $1,396,000 | 3,478 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,396,000 | 3,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,097 |
| Cash dividends | $451,000 | 3,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,392,400 | 3,454 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,724,000 | 3,434 |
| Total interest expense | $3,887,000 | 3,132 |
| Net interest income | $4,837,000 | 3,673 |
| Provision for loan and lease losses | $255,000 | 2,547 |
| Total noninterest income | $298,000 | 7,275 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $97,000 | 8,172 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $201,000 | 5,253 |
| Total noninterest expense | $2,876,000 | 4,571 |
| Salaries and employee benefits | $1,494,000 | 4,289 |
| Premises and equipment expense | $277,000 | 6,051 |
| Additional noninterest expense | $1,105,000 | 4,343 |
| Pre-tax net operating income | $2,004,000 | 3,418 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $564,000 | 3,689 |
| Income before extraordinary items | $1,440,000 | 3,280 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,440,000 | 3,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,394 |
| Cash dividends | $442,000 | 3,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,440,000 | 3,313 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,977,000 | 3,825 |
| Total interest expense | $3,609,000 | 3,477 |
| Net interest income | $4,368,000 | 4,055 |
| Provision for loan and lease losses | $300,000 | 2,975 |
| Total noninterest income | $213,000 | 8,971 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $79,000 | 9,041 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $134,000 | 6,930 |
| Total noninterest expense | $2,529,000 | 5,228 |
| Salaries and employee benefits | $1,375,000 | 4,637 |
| Premises and equipment expense | $225,000 | 7,185 |
| Additional noninterest expense | $929,000 | 5,239 |
| Pre-tax net operating income | $1,752,000 | 3,785 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $447,000 | 4,608 |
| Income before extraordinary items | $1,306,000 | 3,689 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,306,000 | 3,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 5,035 |
| Cash dividends | $419,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,305,250 | 3,505 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,936,000 | 4,317 |
| Total interest expense | $4,116,000 | 3,971 |
| Net interest income | $3,820,000 | 4,637 |
| Provision for loan and lease losses | $845,000 | 2,079 |
| Total noninterest income | $204,000 | 9,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,960 |
| Total noninterest expense | $2,278,000 | 5,741 |
| Salaries and employee benefits | $1,139,000 | 5,425 |
| Premises and equipment expense | $165,000 | 8,699 |
| Additional noninterest expense | $974,000 | 5,158 |
| Pre-tax net operating income | $901,000 | 6,095 |
| Securities gains (losses) | $70,000 | 3,586 |
| Applicable income taxes | $123,000 | 9,281 |
| Income before extraordinary items | $848,000 | 5,123 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $848,000 | 5,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $747,000 | 1,899 |
| Cash dividends | $407,000 | 3,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $787,100 | 5,116 |
* 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.