Home > Cherokee Bank > Income and Expense
Cherokee Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,693,000 | 3,373 |
| Total interest expense | $814,000 | 3,416 |
| Net interest income | $5,879,000 | 3,326 |
| Provision for loan and lease losses | $180,000 | 3,069 |
| Total noninterest income | $1,214,000 | 2,894 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $544,000 | 2,243 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $670,000 | 2,941 |
| Total noninterest expense | $6,156,000 | 2,922 |
| Salaries and employee benefits | $2,617,000 | 3,432 |
| Premises and equipment expense | $660,000 | 3,081 |
| Additional noninterest expense | $2,879,000 | 2,171 |
| Pre-tax net operating income | $757,000 | 4,484 |
| Securities gains (losses) | $10,000 | 2,629 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $767,000 | 4,311 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $767,000 | 4,313 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $767,000 | 4,314 |
| Net charge-offs | $-67,000 | 6,466 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $757,000 | 4,281 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,953,000 | 3,437 |
| Total interest expense | $622,000 | 3,451 |
| Net interest income | $4,331,000 | 3,389 |
| Provision for loan and lease losses | $180,000 | 2,702 |
| Total noninterest income | $994,000 | 2,831 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $406,000 | 2,255 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $588,000 | 2,769 |
| Total noninterest expense | $4,469,000 | 3,006 |
| Salaries and employee benefits | $1,974,000 | 3,423 |
| Premises and equipment expense | $482,000 | 3,180 |
| Additional noninterest expense | $2,013,000 | 2,290 |
| Pre-tax net operating income | $676,000 | 4,327 |
| Securities gains (losses) | $10,000 | 2,497 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $686,000 | 4,090 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $686,000 | 4,094 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $686,000 | 4,094 |
| Net charge-offs | $-6,000 | 6,008 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $676,000 | 4,040 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 3,445 |
| Total interest expense | $422,000 | 3,471 |
| Net interest income | $2,882,000 | 3,388 |
| Provision for loan and lease losses | $150,000 | 2,434 |
| Total noninterest income | $695,000 | 2,777 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $270,000 | 2,223 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $425,000 | 2,711 |
| Total noninterest expense | $2,781,000 | 3,166 |
| Salaries and employee benefits | $1,284,000 | 3,502 |
| Premises and equipment expense | $325,000 | 3,171 |
| Additional noninterest expense | $1,172,000 | 2,597 |
| Pre-tax net operating income | $646,000 | 3,697 |
| Securities gains (losses) | $10,000 | 2,282 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $656,000 | 3,438 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $656,000 | 3,439 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $656,000 | 3,441 |
| Net charge-offs | $-135,000 | 6,738 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $646,000 | 3,375 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 3,484 |
| Total interest expense | $217,000 | 3,500 |
| Net interest income | $1,421,000 | 3,422 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $385,000 | 2,606 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $139,000 | 2,159 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $246,000 | 2,492 |
| Total noninterest expense | $1,346,000 | 3,259 |
| Salaries and employee benefits | $643,000 | 3,543 |
| Premises and equipment expense | $161,000 | 3,225 |
| Additional noninterest expense | $542,000 | 2,782 |
| Pre-tax net operating income | $310,000 | 3,749 |
| Securities gains (losses) | $10,000 | 1,481 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $320,000 | 3,449 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $320,000 | 3,449 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $320,000 | 3,451 |
| Net charge-offs | $-2,000 | 5,471 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $310,000 | 3,422 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,739,000 | 3,532 |
| Total interest expense | $1,152,000 | 3,281 |
| Net interest income | $5,587,000 | 3,540 |
| Provision for loan and lease losses | $856,000 | 1,969 |
| Total noninterest income | $1,294,000 | 2,839 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $640,000 | 2,049 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $654,000 | 2,987 |
| Total noninterest expense | $6,246,000 | 2,949 |
| Salaries and employee benefits | $2,457,000 | 3,616 |
| Premises and equipment expense | $644,000 | 3,214 |
| Additional noninterest expense | $3,145,000 | 2,064 |
| Pre-tax net operating income | $-221,000 | 6,367 |
| Securities gains (losses) | $415,000 | 1,083 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $194,000 | 5,808 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $194,000 | 5,806 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $194,000 | 5,807 |
| Net charge-offs | $1,168,000 | 1,654 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 763 |
| Net operating income | $-221,000 | 6,390 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 3,606 |
| Total interest expense | $902,000 | 3,307 |
| Net interest income | $4,144,000 | 3,630 |
| Provision for loan and lease losses | $678,000 | 1,890 |
| Total noninterest income | $957,000 | 2,868 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $473,000 | 2,092 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $484,000 | 2,999 |
| Total noninterest expense | $4,675,000 | 2,961 |
| Salaries and employee benefits | $1,838,000 | 3,638 |
| Premises and equipment expense | $489,000 | 3,216 |
| Additional noninterest expense | $2,348,000 | 2,080 |
| Pre-tax net operating income | $-252,000 | 6,559 |
| Securities gains (losses) | $359,000 | 966 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $107,000 | 6,084 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $107,000 | 6,083 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $107,000 | 6,083 |
| Net charge-offs | $981,000 | 1,490 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 731 |
| Net operating income | $-252,000 | 6,575 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,347,000 | 3,648 |
| Total interest expense | $619,000 | 3,337 |
| Net interest income | $2,728,000 | 3,672 |
| Provision for loan and lease losses | $485,000 | 1,853 |
| Total noninterest income | $770,000 | 2,540 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $308,000 | 2,113 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $462,000 | 2,437 |
| Total noninterest expense | $3,212,000 | 2,882 |
| Salaries and employee benefits | $1,228,000 | 3,646 |
| Premises and equipment expense | $333,000 | 3,179 |
| Additional noninterest expense | $1,651,000 | 1,983 |
| Pre-tax net operating income | $-199,000 | 6,631 |
| Securities gains (losses) | $239,000 | 992 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $40,000 | 6,276 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $40,000 | 6,276 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $40,000 | 6,276 |
| Net charge-offs | $874,000 | 1,257 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 704 |
| Net operating income | $-199,000 | 6,646 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,680,000 | 3,680 |
| Total interest expense | $321,000 | 3,362 |
| Net interest income | $1,359,000 | 3,702 |
| Provision for loan and lease losses | $193,000 | 2,080 |
| Total noninterest income | $340,000 | 2,732 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $147,000 | 2,173 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $193,000 | 2,722 |
| Total noninterest expense | $1,590,000 | 2,915 |
| Salaries and employee benefits | $617,000 | 3,659 |
| Premises and equipment expense | $166,000 | 3,208 |
| Additional noninterest expense | $807,000 | 2,015 |
| Pre-tax net operating income | $-84,000 | 6,697 |
| Securities gains (losses) | $87,000 | 979 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $3,000 | 6,491 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,000 | 6,492 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,000 | 6,491 |
| Net charge-offs | $40,000 | 3,194 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 651 |
| Net operating income | $-84,000 | 6,718 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,435,000 | 3,527 |
| Total interest expense | $1,687,000 | 3,146 |
| Net interest income | $5,748,000 | 3,577 |
| Provision for loan and lease losses | $1,238,000 | 2,119 |
| Total noninterest income | $1,528,000 | 2,420 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $683,000 | 2,027 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $845,000 | 2,362 |
| Total noninterest expense | $7,597,000 | 2,484 |
| Salaries and employee benefits | $2,357,000 | 3,731 |
| Premises and equipment expense | $655,000 | 3,348 |
| Additional noninterest expense | $4,585,000 | 1,501 |
| Pre-tax net operating income | $-1,559,000 | 6,713 |
| Securities gains (losses) | $194,000 | 1,484 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,365,000 | 6,733 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,365,000 | 6,733 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,365,000 | 6,733 |
| Net charge-offs | $1,953,000 | 1,579 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 841 |
| Net operating income | $-1,559,000 | 6,741 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,658,000 | 3,530 |
| Total interest expense | $1,322,000 | 3,161 |
| Net interest income | $4,336,000 | 3,574 |
| Provision for loan and lease losses | $891,000 | 2,127 |
| Total noninterest income | $1,065,000 | 2,526 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $511,000 | 2,033 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $554,000 | 2,542 |
| Total noninterest expense | $5,295,000 | 2,657 |
| Salaries and employee benefits | $1,720,000 | 3,803 |
| Premises and equipment expense | $502,000 | 3,338 |
| Additional noninterest expense | $3,073,000 | 1,660 |
| Pre-tax net operating income | $-785,000 | 6,723 |
| Securities gains (losses) | $194,000 | 1,243 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-591,000 | 6,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-591,000 | 6,725 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-591,000 | 6,725 |
| Net charge-offs | $1,209,000 | 1,711 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 811 |
| Net operating income | $-785,000 | 6,758 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,806,000 | 3,534 |
| Total interest expense | $905,000 | 3,192 |
| Net interest income | $2,901,000 | 3,571 |
| Provision for loan and lease losses | $741,000 | 1,835 |
| Total noninterest income | $784,000 | 2,350 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $332,000 | 2,064 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $452,000 | 2,253 |
| Total noninterest expense | $3,607,000 | 2,618 |
| Salaries and employee benefits | $1,170,000 | 3,785 |
| Premises and equipment expense | $340,000 | 3,328 |
| Additional noninterest expense | $2,097,000 | 1,643 |
| Pre-tax net operating income | $-663,000 | 6,861 |
| Securities gains (losses) | $122,000 | 1,002 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-541,000 | 6,862 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-541,000 | 6,861 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-541,000 | 6,862 |
| Net charge-offs | $1,025,000 | 1,456 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 649 |
| Net operating income | $-663,000 | 6,893 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,906,000 | 3,544 |
| Total interest expense | $476,000 | 3,170 |
| Net interest income | $1,430,000 | 3,601 |
| Provision for loan and lease losses | $165,000 | 2,657 |
| Total noninterest income | $312,000 | 2,767 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $165,000 | 2,053 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $147,000 | 2,939 |
| Total noninterest expense | $1,662,000 | 2,822 |
| Salaries and employee benefits | $587,000 | 3,791 |
| Premises and equipment expense | $173,000 | 3,329 |
| Additional noninterest expense | $902,000 | 1,874 |
| Pre-tax net operating income | $-85,000 | 6,653 |
| Securities gains (losses) | $16,000 | 1,172 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-69,000 | 6,638 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-69,000 | 6,638 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-69,000 | 6,638 |
| Net charge-offs | $320,000 | 1,684 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 613 |
| Net operating income | $-85,000 | 6,670 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,264,000 | 3,469 |
| Total interest expense | $2,570,000 | 2,930 |
| Net interest income | $5,694,000 | 3,615 |
| Provision for loan and lease losses | $3,629,000 | 1,421 |
| Total noninterest income | $2,007,000 | 2,070 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $695,000 | 2,052 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,312,000 | 1,849 |
| Total noninterest expense | $8,247,000 | 2,343 |
| Salaries and employee benefits | $2,570,000 | 3,509 |
| Premises and equipment expense | $706,000 | 3,274 |
| Additional noninterest expense | $4,971,000 | 1,454 |
| Pre-tax net operating income | $-4,175,000 | 7,045 |
| Securities gains (losses) | $376,000 | 1,081 |
| Applicable income taxes | $2,386,000 | 634 |
| Income before extraordinary items | $-6,185,000 | 7,248 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,185,000 | 7,248 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,185,000 | 7,248 |
| Net charge-offs | $4,272,000 | 1,156 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 885 |
| Net operating income | $-6,561,000 | 7,240 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,263,000 | 3,508 |
| Total interest expense | $2,032,000 | 2,916 |
| Net interest income | $4,231,000 | 3,684 |
| Provision for loan and lease losses | $3,161,000 | 1,221 |
| Total noninterest income | $1,495,000 | 2,092 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $515,000 | 2,124 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $980,000 | 1,822 |
| Total noninterest expense | $5,978,000 | 2,425 |
| Salaries and employee benefits | $1,945,000 | 3,514 |
| Premises and equipment expense | $532,000 | 3,313 |
| Additional noninterest expense | $3,501,000 | 1,509 |
| Pre-tax net operating income | $-3,413,000 | 7,250 |
| Securities gains (losses) | $376,000 | 925 |
| Applicable income taxes | $-1,215,000 | 7,534 |
| Income before extraordinary items | $-1,822,000 | 7,108 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,822,000 | 7,106 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,822,000 | 7,108 |
| Net charge-offs | $3,584,000 | 984 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 830 |
| Net operating income | $-2,062,640 | 7,124 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,219,000 | 3,509 |
| Total interest expense | $1,433,000 | 2,889 |
| Net interest income | $2,786,000 | 3,723 |
| Provision for loan and lease losses | $2,802,000 | 998 |
| Total noninterest income | $1,026,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $338,000 | 2,155 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $688,000 | 1,702 |
| Total noninterest expense | $4,075,000 | 2,379 |
| Salaries and employee benefits | $1,312,000 | 3,508 |
| Premises and equipment expense | $348,000 | 3,387 |
| Additional noninterest expense | $2,415,000 | 1,469 |
| Pre-tax net operating income | $-3,065,000 | 7,403 |
| Securities gains (losses) | $62,000 | 1,755 |
| Applicable income taxes | $-1,176,000 | 7,632 |
| Income before extraordinary items | $-1,827,000 | 7,309 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,827,000 | 7,309 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,827,000 | 7,309 |
| Net charge-offs | $3,037,000 | 826 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 772 |
| Net operating income | $-1,866,680 | 7,301 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,193,000 | 3,466 |
| Total interest expense | $762,000 | 2,875 |
| Net interest income | $1,431,000 | 3,679 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $592,000 | 1,791 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $157,000 | 2,264 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $435,000 | 1,429 |
| Total noninterest expense | $1,591,000 | 2,990 |
| Salaries and employee benefits | $648,000 | 3,598 |
| Premises and equipment expense | $170,000 | 3,538 |
| Additional noninterest expense | $773,000 | 2,196 |
| Pre-tax net operating income | $432,000 | 2,694 |
| Securities gains (losses) | $45,000 | 1,193 |
| Applicable income taxes | $157,000 | 1,691 |
| Income before extraordinary items | $320,000 | 3,017 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $320,000 | 3,013 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $320,000 | 3,017 |
| Net charge-offs | $645,000 | 1,396 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 712 |
| Net operating income | $289,850 | 3,095 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,489,000 | 3,358 |
| Total interest expense | $4,217,000 | 2,625 |
| Net interest income | $5,272,000 | 3,817 |
| Provision for loan and lease losses | $3,281,000 | 1,860 |
| Total noninterest income | $1,140,000 | 3,078 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $723,000 | 2,189 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $417,000 | 3,488 |
| Total noninterest expense | $6,927,000 | 2,823 |
| Salaries and employee benefits | $2,805,000 | 3,384 |
| Premises and equipment expense | $689,000 | 3,505 |
| Additional noninterest expense | $3,433,000 | 2,091 |
| Pre-tax net operating income | $-3,796,000 | 7,029 |
| Securities gains (losses) | $410,000 | 1,002 |
| Applicable income taxes | $-1,337,000 | 7,385 |
| Income before extraordinary items | $-2,049,000 | 6,771 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,049,000 | 6,768 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,049,000 | 6,769 |
| Net charge-offs | $3,274,000 | 1,524 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 1,033 |
| Net operating income | $-2,311,400 | 6,837 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,192,000 | 3,381 |
| Total interest expense | $3,326,000 | 2,623 |
| Net interest income | $3,866,000 | 3,874 |
| Provision for loan and lease losses | $1,669,000 | 2,103 |
| Total noninterest income | $838,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $539,000 | 2,221 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $299,000 | 3,621 |
| Total noninterest expense | $4,892,000 | 2,974 |
| Salaries and employee benefits | $2,150,000 | 3,345 |
| Premises and equipment expense | $519,000 | 3,527 |
| Additional noninterest expense | $2,223,000 | 2,344 |
| Pre-tax net operating income | $-1,857,000 | 6,995 |
| Securities gains (losses) | $403,000 | 811 |
| Applicable income taxes | $-595,000 | 7,390 |
| Income before extraordinary items | $-859,000 | 6,667 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-859,000 | 6,669 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-859,000 | 6,669 |
| Net charge-offs | $2,417,000 | 1,351 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 963 |
| Net operating income | $-1,116,920 | 6,799 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,893,000 | 3,361 |
| Total interest expense | $2,331,000 | 2,609 |
| Net interest income | $2,562,000 | 3,876 |
| Provision for loan and lease losses | $1,049,000 | 2,012 |
| Total noninterest income | $553,000 | 3,190 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $349,000 | 2,244 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $204,000 | 3,623 |
| Total noninterest expense | $3,255,000 | 3,005 |
| Salaries and employee benefits | $1,486,000 | 3,260 |
| Premises and equipment expense | $350,000 | 3,530 |
| Additional noninterest expense | $1,419,000 | 2,457 |
| Pre-tax net operating income | $-1,189,000 | 7,109 |
| Securities gains (losses) | $397,000 | 610 |
| Applicable income taxes | $-331,000 | 7,448 |
| Income before extraordinary items | $-461,000 | 6,723 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-461,000 | 6,724 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-461,000 | 6,724 |
| Net charge-offs | $1,800,000 | 1,202 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 959 |
| Net operating income | $-715,080 | 6,938 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,541,000 | 3,305 |
| Total interest expense | $1,154,000 | 2,719 |
| Net interest income | $1,387,000 | 3,672 |
| Provision for loan and lease losses | $249,000 | 2,577 |
| Total noninterest income | $241,000 | 3,460 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $168,000 | 2,251 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $73,000 | 4,164 |
| Total noninterest expense | $1,577,000 | 3,006 |
| Salaries and employee benefits | $775,000 | 3,183 |
| Premises and equipment expense | $179,000 | 3,512 |
| Additional noninterest expense | $623,000 | 2,482 |
| Pre-tax net operating income | $-198,000 | 6,884 |
| Securities gains (losses) | $200,000 | 669 |
| Applicable income taxes | $-14,000 | 7,232 |
| Income before extraordinary items | $16,000 | 6,215 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $16,000 | 6,217 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $16,000 | 6,217 |
| Net charge-offs | $488,000 | 1,383 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 897 |
| Net operating income | $-184,000 | 6,925 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,366,000 | 3,182 |
| Total interest expense | $5,055,000 | 2,936 |
| Net interest income | $6,311,000 | 3,342 |
| Provision for loan and lease losses | $2,792,000 | 1,468 |
| Total noninterest income | $1,119,000 | 3,181 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $774,000 | 2,185 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $345,000 | 3,857 |
| Total noninterest expense | $6,537,000 | 2,846 |
| Salaries and employee benefits | $3,361,000 | 2,941 |
| Premises and equipment expense | $728,000 | 3,411 |
| Additional noninterest expense | $2,448,000 | 2,388 |
| Pre-tax net operating income | $-1,899,000 | 7,328 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-790,000 | 7,634 |
| Income before extraordinary items | $-1,108,000 | 7,041 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,108,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,236,000 | 1,737 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 999 |
| Net operating income | $-1,108,640 | 7,163 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,614,000 | 3,217 |
| Total interest expense | $3,806,000 | 3,033 |
| Net interest income | $4,808,000 | 3,325 |
| Provision for loan and lease losses | $1,508,000 | 1,420 |
| Total noninterest income | $852,000 | 3,211 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $582,000 | 2,199 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $270,000 | 3,873 |
| Total noninterest expense | $4,645,000 | 2,961 |
| Salaries and employee benefits | $2,492,000 | 2,993 |
| Premises and equipment expense | $549,000 | 3,423 |
| Additional noninterest expense | $1,604,000 | 2,618 |
| Pre-tax net operating income | $-493,000 | 7,260 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $-234,000 | 7,690 |
| Income before extraordinary items | $-257,000 | 6,973 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-257,000 | 6,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $897,000 | 1,392 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-258,280 | 7,136 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,775,000 | 3,242 |
| Total interest expense | $2,571,000 | 3,105 |
| Net interest income | $3,204,000 | 3,316 |
| Provision for loan and lease losses | $695,000 | 1,542 |
| Total noninterest income | $604,000 | 3,131 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $387,000 | 2,191 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $217,000 | 3,608 |
| Total noninterest expense | $3,217,000 | 2,875 |
| Salaries and employee benefits | $1,657,000 | 3,040 |
| Premises and equipment expense | $366,000 | 3,449 |
| Additional noninterest expense | $1,194,000 | 2,353 |
| Pre-tax net operating income | $-104,000 | 7,196 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-72,000 | 7,803 |
| Income before extraordinary items | $-32,000 | 7,113 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-32,000 | 7,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,131 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-32,000 | 7,080 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,063,000 | 3,173 |
| Total interest expense | $1,407,000 | 3,052 |
| Net interest income | $1,656,000 | 3,230 |
| Provision for loan and lease losses | $68,000 | 3,346 |
| Total noninterest income | $305,000 | 3,100 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $197,000 | 2,103 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $108,000 | 3,628 |
| Total noninterest expense | $1,593,000 | 2,897 |
| Salaries and employee benefits | $860,000 | 2,964 |
| Premises and equipment expense | $184,000 | 3,438 |
| Additional noninterest expense | $549,000 | 2,501 |
| Pre-tax net operating income | $300,000 | 4,160 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $89,000 | 2,937 |
| Income before extraordinary items | $211,000 | 4,550 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $211,000 | 4,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,318 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $211,000 | 4,453 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,560,000 | 2,766 |
| Total interest expense | $7,314,000 | 2,511 |
| Net interest income | $7,246,000 | 3,006 |
| Provision for loan and lease losses | $1,301,000 | 1,178 |
| Total noninterest income | $1,499,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $836,000 | 2,059 |
| Trading account gains and fees | $111,000 | 116 |
| Additional Noninterest Income | $552,000 | 3,152 |
| Total noninterest expense | $6,430,000 | 2,778 |
| Salaries and employee benefits | $3,378,000 | 2,914 |
| Premises and equipment expense | $749,000 | 3,258 |
| Additional noninterest expense | $2,303,000 | 2,347 |
| Pre-tax net operating income | $1,014,000 | 4,716 |
| Securities gains (losses) | $-122,000 | 8,184 |
| Applicable income taxes | $245,000 | 3,642 |
| Income before extraordinary items | $647,000 | 5,213 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $647,000 | 5,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 1,514 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $736,060 | 4,929 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,969,000 | 2,746 |
| Total interest expense | $5,537,000 | 2,494 |
| Net interest income | $5,432,000 | 3,011 |
| Provision for loan and lease losses | $418,000 | 1,799 |
| Total noninterest income | $1,211,000 | 2,572 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $626,000 | 2,033 |
| Trading account gains and fees | $143,000 | 110 |
| Additional Noninterest Income | $442,000 | 3,039 |
| Total noninterest expense | $4,996,000 | 2,689 |
| Salaries and employee benefits | $2,745,000 | 2,685 |
| Premises and equipment expense | $567,000 | 3,218 |
| Additional noninterest expense | $1,684,000 | 2,353 |
| Pre-tax net operating income | $1,229,000 | 3,896 |
| Securities gains (losses) | $-165,000 | 8,363 |
| Applicable income taxes | $289,000 | 3,248 |
| Income before extraordinary items | $775,000 | 4,416 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $775,000 | 4,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,868 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $895,450 | 4,109 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,280,000 | 2,766 |
| Total interest expense | $3,690,000 | 2,499 |
| Net interest income | $3,590,000 | 3,060 |
| Provision for loan and lease losses | $168,000 | 2,448 |
| Total noninterest income | $651,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $414,000 | 2,054 |
| Trading account gains and fees | $-81,000 | 8,578 |
| Additional Noninterest Income | $318,000 | 2,927 |
| Total noninterest expense | $3,327,000 | 2,718 |
| Salaries and employee benefits | $1,864,000 | 2,674 |
| Premises and equipment expense | $370,000 | 3,289 |
| Additional noninterest expense | $1,093,000 | 2,418 |
| Pre-tax net operating income | $746,000 | 4,173 |
| Securities gains (losses) | $-165,000 | 8,453 |
| Applicable income taxes | $145,000 | 3,698 |
| Income before extraordinary items | $436,000 | 4,871 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $436,000 | 4,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,409 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $559,750 | 4,307 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,527,000 | 2,845 |
| Total interest expense | $1,823,000 | 2,509 |
| Net interest income | $1,704,000 | 3,189 |
| Provision for loan and lease losses | $56,000 | 2,964 |
| Total noninterest income | $476,000 | 2,278 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $201,000 | 2,044 |
| Trading account gains and fees | $111,000 | 109 |
| Additional Noninterest Income | $164,000 | 2,862 |
| Total noninterest expense | $1,655,000 | 2,741 |
| Salaries and employee benefits | $953,000 | 2,654 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $524,000 | 2,512 |
| Pre-tax net operating income | $469,000 | 3,662 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $144,000 | 2,783 |
| Income before extraordinary items | $330,000 | 3,955 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $330,000 | 3,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,225 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $326,500 | 3,960 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,650,000 | 2,951 |
| Total interest expense | $5,633,000 | 2,739 |
| Net interest income | $7,017,000 | 3,098 |
| Provision for loan and lease losses | $442,000 | 2,109 |
| Total noninterest income | $1,370,000 | 2,873 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $860,000 | 1,995 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $510,000 | 3,301 |
| Total noninterest expense | $5,480,000 | 3,093 |
| Salaries and employee benefits | $3,041,000 | 3,093 |
| Premises and equipment expense | $554,000 | 3,989 |
| Additional noninterest expense | $1,885,000 | 2,706 |
| Pre-tax net operating income | $2,465,000 | 3,159 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $789,000 | 2,493 |
| Income before extraordinary items | $1,676,000 | 3,518 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,676,000 | 3,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,784 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,676,000 | 3,500 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,142,000 | 3,028 |
| Total interest expense | $3,913,000 | 2,831 |
| Net interest income | $5,229,000 | 3,143 |
| Provision for loan and lease losses | $362,000 | 1,844 |
| Total noninterest income | $1,021,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $645,000 | 1,988 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $376,000 | 3,309 |
| Total noninterest expense | $4,110,000 | 3,102 |
| Salaries and employee benefits | $2,324,000 | 3,029 |
| Premises and equipment expense | $413,000 | 4,026 |
| Additional noninterest expense | $1,373,000 | 2,760 |
| Pre-tax net operating income | $1,778,000 | 3,371 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $617,000 | 2,546 |
| Income before extraordinary items | $1,161,000 | 3,816 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,161,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,158 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,161,000 | 3,797 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,761,000 | 3,131 |
| Total interest expense | $2,441,000 | 2,874 |
| Net interest income | $3,320,000 | 3,282 |
| Provision for loan and lease losses | $172,000 | 2,383 |
| Total noninterest income | $668,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $416,000 | 2,030 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $252,000 | 3,317 |
| Total noninterest expense | $2,735,000 | 3,108 |
| Salaries and employee benefits | $1,556,000 | 3,036 |
| Premises and equipment expense | $274,000 | 4,046 |
| Additional noninterest expense | $905,000 | 2,800 |
| Pre-tax net operating income | $1,081,000 | 3,615 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $374,000 | 2,717 |
| Income before extraordinary items | $707,000 | 4,043 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $707,000 | 4,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $707,000 | 4,030 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,759,000 | 3,187 |
| Total interest expense | $1,174,000 | 2,850 |
| Net interest income | $1,585,000 | 3,384 |
| Provision for loan and lease losses | $72,000 | 2,600 |
| Total noninterest income | $337,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $203,000 | 2,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $134,000 | 3,182 |
| Total noninterest expense | $1,364,000 | 3,129 |
| Salaries and employee benefits | $781,000 | 3,042 |
| Premises and equipment expense | $141,000 | 3,962 |
| Additional noninterest expense | $442,000 | 2,854 |
| Pre-tax net operating income | $486,000 | 3,803 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $167,000 | 2,883 |
| Income before extraordinary items | $319,000 | 4,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $319,000 | 4,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $319,000 | 4,247 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,946,000 | 3,441 |
| Total interest expense | $3,259,000 | 3,109 |
| Net interest income | $5,687,000 | 3,579 |
| Provision for loan and lease losses | $346,000 | 2,548 |
| Total noninterest income | $1,329,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $836,000 | 2,032 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $493,000 | 3,388 |
| Total noninterest expense | $4,928,000 | 3,277 |
| Salaries and employee benefits | $2,604,000 | 3,366 |
| Premises and equipment expense | $539,000 | 3,963 |
| Additional noninterest expense | $1,785,000 | 2,774 |
| Pre-tax net operating income | $1,742,000 | 4,031 |
| Securities gains (losses) | $-20,000 | 7,814 |
| Applicable income taxes | $588,000 | 3,105 |
| Income before extraordinary items | $1,134,000 | 4,490 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,134,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,559 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,147,200 | 4,417 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,310,000 | 3,553 |
| Total interest expense | $2,256,000 | 3,181 |
| Net interest income | $4,054,000 | 3,724 |
| Provision for loan and lease losses | $206,000 | 2,911 |
| Total noninterest income | $1,011,000 | 2,886 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $630,000 | 2,024 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $381,000 | 3,363 |
| Total noninterest expense | $3,666,000 | 3,271 |
| Salaries and employee benefits | $1,934,000 | 3,377 |
| Premises and equipment expense | $401,000 | 3,964 |
| Additional noninterest expense | $1,331,000 | 2,766 |
| Pre-tax net operating income | $1,193,000 | 4,312 |
| Securities gains (losses) | $-19,000 | 8,149 |
| Applicable income taxes | $387,000 | 3,383 |
| Income before extraordinary items | $787,000 | 4,802 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $787,000 | 4,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,791 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $799,730 | 4,729 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 3,631 |
| Total interest expense | $1,358,000 | 3,299 |
| Net interest income | $2,648,000 | 3,750 |
| Provision for loan and lease losses | $115,000 | 3,168 |
| Total noninterest income | $671,000 | 2,859 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $405,000 | 2,052 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $266,000 | 3,275 |
| Total noninterest expense | $2,363,000 | 3,342 |
| Salaries and employee benefits | $1,253,000 | 3,433 |
| Premises and equipment expense | $257,000 | 4,062 |
| Additional noninterest expense | $853,000 | 2,846 |
| Pre-tax net operating income | $841,000 | 4,164 |
| Securities gains (losses) | $-13,000 | 8,228 |
| Applicable income taxes | $273,000 | 3,263 |
| Income before extraordinary items | $555,000 | 4,620 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $555,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $563,710 | 4,532 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,924,000 | 3,709 |
| Total interest expense | $646,000 | 3,315 |
| Net interest income | $1,278,000 | 3,849 |
| Provision for loan and lease losses | $98,000 | 2,104 |
| Total noninterest income | $328,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $196,000 | 2,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $132,000 | 3,224 |
| Total noninterest expense | $1,156,000 | 3,415 |
| Salaries and employee benefits | $619,000 | 3,475 |
| Premises and equipment expense | $121,000 | 4,285 |
| Additional noninterest expense | $416,000 | 2,918 |
| Pre-tax net operating income | $352,000 | 4,580 |
| Securities gains (losses) | $-13,000 | 8,592 |
| Applicable income taxes | $111,000 | 3,603 |
| Income before extraordinary items | $228,000 | 5,098 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $228,000 | 5,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $236,710 | 4,971 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,398,000 | 4,071 |
| Total interest expense | $1,801,000 | 3,978 |
| Net interest income | $4,597,000 | 4,058 |
| Provision for loan and lease losses | $285,000 | 3,029 |
| Total noninterest income | $1,012,000 | 3,504 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $560,000 | 2,865 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $452,000 | 3,502 |
| Total noninterest expense | $4,449,000 | 3,448 |
| Salaries and employee benefits | $2,318,000 | 3,548 |
| Premises and equipment expense | $500,000 | 4,091 |
| Additional noninterest expense | $1,631,000 | 2,932 |
| Pre-tax net operating income | $875,000 | 5,572 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $268,000 | 4,361 |
| Income before extraordinary items | $611,000 | 5,904 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $611,000 | 5,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $608,200 | 5,845 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,629,000 | 4,158 |
| Total interest expense | $1,236,000 | 4,189 |
| Net interest income | $3,393,000 | 4,097 |
| Provision for loan and lease losses | $285,000 | 2,349 |
| Total noninterest income | $728,000 | 3,636 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $380,000 | 3,130 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $348,000 | 3,445 |
| Total noninterest expense | $3,334,000 | 3,420 |
| Salaries and employee benefits | $1,737,000 | 3,530 |
| Premises and equipment expense | $386,000 | 3,976 |
| Additional noninterest expense | $1,211,000 | 2,910 |
| Pre-tax net operating income | $502,000 | 6,316 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $149,000 | 4,859 |
| Income before extraordinary items | $357,000 | 6,572 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $357,000 | 6,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $354,160 | 6,512 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,997,000 | 4,259 |
| Total interest expense | $788,000 | 4,326 |
| Net interest income | $2,209,000 | 4,174 |
| Provision for loan and lease losses | $259,000 | 1,788 |
| Total noninterest income | $482,000 | 3,655 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $253,000 | 3,116 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $229,000 | 3,476 |
| Total noninterest expense | $2,224,000 | 3,445 |
| Salaries and employee benefits | $1,179,000 | 3,506 |
| Premises and equipment expense | $113,000 | 6,488 |
| Additional noninterest expense | $932,000 | 2,550 |
| Pre-tax net operating income | $208,000 | 7,121 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $56,000 | 5,519 |
| Income before extraordinary items | $156,000 | 7,287 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $156,000 | 7,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $153,040 | 7,240 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 4,394 |
| Total interest expense | $398,000 | 4,354 |
| Net interest income | $1,045,000 | 4,350 |
| Provision for loan and lease losses | $107,000 | 2,000 |
| Total noninterest income | $232,000 | 3,693 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $112,000 | 3,310 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $120,000 | 3,347 |
| Total noninterest expense | $1,117,000 | 3,448 |
| Salaries and employee benefits | $595,000 | 3,489 |
| Premises and equipment expense | $123,000 | 4,165 |
| Additional noninterest expense | $399,000 | 2,925 |
| Pre-tax net operating income | $53,000 | 7,880 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $45,000 | 7,876 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $45,000 | 7,876 |
| 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 | $41,840 | 7,889 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,049,000 | 4,861 |
| Total interest expense | $1,624,000 | 4,650 |
| Net interest income | $3,425,000 | 4,869 |
| Provision for loan and lease losses | $194,000 | 4,098 |
| Total noninterest income | $830,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $432,000 | 3,480 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $398,000 | 3,982 |
| Total noninterest expense | $3,336,000 | 4,285 |
| Salaries and employee benefits | $1,838,000 | 4,193 |
| Premises and equipment expense | $186,000 | 6,952 |
| Additional noninterest expense | $1,312,000 | 3,467 |
| Pre-tax net operating income | $725,000 | 5,923 |
| Securities gains (losses) | $35,000 | 2,802 |
| Applicable income taxes | $239,000 | 4,655 |
| Income before extraordinary items | $521,000 | 6,253 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $521,000 | 6,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $496,850 | 6,199 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,651,000 | 5,040 |
| Total interest expense | $1,231,000 | 4,737 |
| Net interest income | $2,420,000 | 5,092 |
| Provision for loan and lease losses | $129,000 | 4,241 |
| Total noninterest income | $611,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $315,000 | 3,554 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $296,000 | 4,066 |
| Total noninterest expense | $2,451,000 | 4,336 |
| Salaries and employee benefits | $1,365,000 | 4,220 |
| Premises and equipment expense | $252,000 | 5,303 |
| Additional noninterest expense | $834,000 | 3,953 |
| Pre-tax net operating income | $451,000 | 6,506 |
| Securities gains (losses) | $35,000 | 2,583 |
| Applicable income taxes | $150,000 | 5,091 |
| Income before extraordinary items | $336,000 | 6,743 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $336,000 | 6,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,672 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $311,850 | 6,716 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,393,000 | 5,141 |
| Total interest expense | $832,000 | 4,817 |
| Net interest income | $1,561,000 | 5,211 |
| Provision for loan and lease losses | $94,000 | 3,984 |
| Total noninterest income | $409,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $205,000 | 3,565 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $204,000 | 3,997 |
| Total noninterest expense | $1,614,000 | 4,360 |
| Salaries and employee benefits | $909,000 | 4,228 |
| Premises and equipment expense | $168,000 | 5,277 |
| Additional noninterest expense | $537,000 | 4,026 |
| Pre-tax net operating income | $262,000 | 6,758 |
| Securities gains (losses) | $35,000 | 2,261 |
| Applicable income taxes | $91,000 | 5,245 |
| Income before extraordinary items | $206,000 | 6,909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $206,000 | 6,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $181,850 | 6,969 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 5,267 |
| Total interest expense | $424,000 | 4,863 |
| Net interest income | $735,000 | 5,389 |
| Provision for loan and lease losses | $51,000 | 3,633 |
| Total noninterest income | $194,000 | 4,249 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $100,000 | 3,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 4,045 |
| Total noninterest expense | $808,000 | 4,341 |
| Salaries and employee benefits | $455,000 | 4,207 |
| Premises and equipment expense | $83,000 | 5,318 |
| Additional noninterest expense | $270,000 | 3,973 |
| Pre-tax net operating income | $70,000 | 7,672 |
| Securities gains (losses) | $35,000 | 1,588 |
| Applicable income taxes | $31,000 | 5,692 |
| Income before extraordinary items | $74,000 | 7,410 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $74,000 | 7,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $49,500 | 7,768 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,756,000 | 5,339 |
| Total interest expense | $1,808,000 | 5,141 |
| Net interest income | $2,948,000 | 5,340 |
| Provision for loan and lease losses | $206,000 | 4,282 |
| Total noninterest income | $619,000 | 4,645 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $367,000 | 3,743 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,595 |
| Total noninterest expense | $2,821,000 | 4,663 |
| Salaries and employee benefits | $1,541,000 | 4,597 |
| Premises and equipment expense | $292,000 | 5,673 |
| Additional noninterest expense | $988,000 | 4,219 |
| Pre-tax net operating income | $540,000 | 6,609 |
| Securities gains (losses) | $159,000 | 1,328 |
| Applicable income taxes | $265,000 | 4,659 |
| Income before extraordinary items | $434,000 | 6,679 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $434,000 | 6,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,721 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $332,240 | 7,058 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,992,000 | 6,366 |
| Total interest expense | $1,806,000 | 6,406 |
| Net interest income | $2,186,000 | 6,146 |
| Provision for loan and lease losses | $217,000 | 3,949 |
| Total noninterest income | $533,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $304,000 | 4,133 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $229,000 | 4,650 |
| Total noninterest expense | $2,073,000 | 5,606 |
| Salaries and employee benefits | $1,136,000 | 5,523 |
| Premises and equipment expense | $237,000 | 6,249 |
| Additional noninterest expense | $700,000 | 5,307 |
| Pre-tax net operating income | $429,000 | 6,841 |
| Securities gains (losses) | $72,000 | 2,029 |
| Applicable income taxes | $-194,000 | 9,371 |
| Income before extraordinary items | $695,000 | 5,252 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $695,000 | 5,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $623,000 | 5,386 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,467,000 | 7,943 |
| Total interest expense | $1,356,000 | 7,446 |
| Net interest income | $1,111,000 | 8,259 |
| Provision for loan and lease losses | $179,000 | 4,041 |
| Total noninterest income | $176,000 | 7,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 6,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,664 |
| Total noninterest expense | $1,517,000 | 6,713 |
| Salaries and employee benefits | $819,000 | 6,637 |
| Premises and equipment expense | $207,000 | 6,651 |
| Additional noninterest expense | $491,000 | 6,496 |
| Pre-tax net operating income | $-409,000 | 9,483 |
| Securities gains (losses) | $12,000 | 1,101 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-397,000 | 9,512 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-397,000 | 9,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-409,000 | 9,522 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $367,000 | 10,036 |
| Total interest expense | $155,000 | 9,997 |
| Net interest income | $212,000 | 10,046 |
| Provision for loan and lease losses | $69,000 | 5,962 |
| Total noninterest income | $5,000 | 10,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,039 |
| Total noninterest expense | $739,000 | 8,921 |
| Salaries and employee benefits | $356,000 | 9,150 |
| Premises and equipment expense | $97,000 | 8,686 |
| Additional noninterest expense | $286,000 | 8,238 |
| Pre-tax net operating income | $-591,000 | 9,908 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-591,000 | 9,956 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-591,000 | 9,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 194 |
| Net operating income | $-591,000 | 9,938 |
* 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.