Home > First National Bank of the Lakes > Income and Expense
First National Bank of the Lakes, Income and Expense
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $447,000 | 5,512 |
| Total interest expense | $10,000 | 5,986 |
| Net interest income | $437,000 | 5,402 |
| Provision for loan and lease losses | $4,000 | 3,524 |
| Total noninterest income | $274,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $136,000 | 1,920 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $138,000 | 3,085 |
| Total noninterest expense | $564,000 | 4,830 |
| Salaries and employee benefits | $239,000 | 5,184 |
| Premises and equipment expense | $94,000 | 3,956 |
| Additional noninterest expense | $231,000 | 4,399 |
| Pre-tax net operating income | $143,000 | 4,782 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $143,000 | 4,683 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $143,000 | 4,682 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $143,000 | 4,683 |
| Net charge-offs | $13,000 | 2,213 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $143,000 | 4,621 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 5,590 |
| Total interest expense | $44,000 | 6,028 |
| Net interest income | $1,664,000 | 5,490 |
| Provision for loan and lease losses | $20,000 | 4,043 |
| Total noninterest income | $781,000 | 3,467 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $585,000 | 1,863 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $196,000 | 4,478 |
| Total noninterest expense | $2,228,000 | 4,890 |
| Salaries and employee benefits | $1,149,000 | 4,944 |
| Premises and equipment expense | $401,000 | 3,891 |
| Additional noninterest expense | $678,000 | 4,986 |
| Pre-tax net operating income | $197,000 | 5,477 |
| Securities gains (losses) | $76,000 | 1,329 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $273,000 | 5,301 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $273,000 | 5,304 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $273,000 | 5,304 |
| Net charge-offs | $25,000 | 3,658 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $197,000 | 5,426 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 5,681 |
| Total interest expense | $33,000 | 6,119 |
| Net interest income | $1,229,000 | 5,578 |
| Provision for loan and lease losses | $17,000 | 3,881 |
| Total noninterest income | $594,000 | 3,474 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $441,000 | 1,877 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 4,464 |
| Total noninterest expense | $1,677,000 | 4,910 |
| Salaries and employee benefits | $864,000 | 4,981 |
| Premises and equipment expense | $301,000 | 3,944 |
| Additional noninterest expense | $512,000 | 5,010 |
| Pre-tax net operating income | $129,000 | 5,653 |
| Securities gains (losses) | $76,000 | 1,191 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $205,000 | 5,422 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 5,424 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $205,000 | 5,425 |
| Net charge-offs | $17,000 | 3,431 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $129,000 | 5,595 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $815,000 | 5,759 |
| Total interest expense | $20,000 | 6,207 |
| Net interest income | $795,000 | 5,662 |
| Provision for loan and lease losses | $10,000 | 3,765 |
| Total noninterest income | $392,000 | 3,490 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $287,000 | 1,883 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $105,000 | 4,459 |
| Total noninterest expense | $1,102,000 | 4,978 |
| Salaries and employee benefits | $576,000 | 5,030 |
| Premises and equipment expense | $195,000 | 4,038 |
| Additional noninterest expense | $331,000 | 5,095 |
| Pre-tax net operating income | $75,000 | 5,723 |
| Securities gains (losses) | $76,000 | 976 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $151,000 | 5,369 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $151,000 | 5,368 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $151,000 | 5,371 |
| Net charge-offs | $10,000 | 3,259 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $75,000 | 5,692 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $404,000 | 5,812 |
| Total interest expense | $11,000 | 6,246 |
| Net interest income | $393,000 | 5,715 |
| Provision for loan and lease losses | $8,000 | 3,349 |
| Total noninterest income | $189,000 | 3,517 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $138,000 | 1,933 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $51,000 | 4,496 |
| Total noninterest expense | $562,000 | 4,997 |
| Salaries and employee benefits | $312,000 | 4,953 |
| Premises and equipment expense | $98,000 | 4,064 |
| Additional noninterest expense | $152,000 | 5,260 |
| Pre-tax net operating income | $12,000 | 5,919 |
| Securities gains (losses) | $76,000 | 682 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $88,000 | 5,228 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $88,000 | 5,231 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $88,000 | 5,232 |
| Net charge-offs | $8,000 | 2,565 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $12,000 | 5,917 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $1,701,000 | 5,843 |
| Total interest expense | $46,000 | 6,347 |
| Net interest income | $1,655,000 | 5,738 |
| Provision for loan and lease losses | $16,000 | 4,321 |
| Total noninterest income | $848,000 | 3,385 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $621,000 | 1,907 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $227,000 | 4,371 |
| Total noninterest expense | $2,288,000 | 5,043 |
| Salaries and employee benefits | $1,202,000 | 5,069 |
| Premises and equipment expense | $415,000 | 4,011 |
| Additional noninterest expense | $671,000 | 5,219 |
| Pre-tax net operating income | $199,000 | 5,673 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $199,000 | 5,667 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $199,000 | 5,668 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $199,000 | 5,669 |
| Net charge-offs | $38,000 | 3,974 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $199,000 | 5,625 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 5,883 |
| Total interest expense | $34,000 | 6,433 |
| Net interest income | $1,267,000 | 5,770 |
| Provision for loan and lease losses | $13,000 | 4,085 |
| Total noninterest income | $654,000 | 3,375 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $471,000 | 1,894 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $183,000 | 4,323 |
| Total noninterest expense | $1,735,000 | 5,059 |
| Salaries and employee benefits | $913,000 | 5,077 |
| Premises and equipment expense | $312,000 | 4,057 |
| Additional noninterest expense | $510,000 | 5,237 |
| Pre-tax net operating income | $173,000 | 5,691 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $173,000 | 5,655 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $173,000 | 5,654 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $173,000 | 5,655 |
| Net charge-offs | $32,000 | 3,574 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $173,000 | 5,609 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $871,000 | 5,923 |
| Total interest expense | $24,000 | 6,479 |
| Net interest income | $847,000 | 5,801 |
| Provision for loan and lease losses | $13,000 | 3,823 |
| Total noninterest income | $464,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $320,000 | 1,854 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $144,000 | 4,091 |
| Total noninterest expense | $1,160,000 | 5,087 |
| Salaries and employee benefits | $622,000 | 5,079 |
| Premises and equipment expense | $211,000 | 4,066 |
| Additional noninterest expense | $327,000 | 5,325 |
| Pre-tax net operating income | $138,000 | 5,615 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $138,000 | 5,544 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $138,000 | 5,546 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $138,000 | 5,547 |
| Net charge-offs | $40,000 | 2,969 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $138,000 | 5,506 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $427,000 | 6,010 |
| Total interest expense | $12,000 | 6,546 |
| Net interest income | $415,000 | 5,876 |
| Provision for loan and lease losses | $2,000 | 3,744 |
| Total noninterest income | $216,000 | 3,337 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $163,000 | 1,819 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $53,000 | 4,478 |
| Total noninterest expense | $569,000 | 5,187 |
| Salaries and employee benefits | $296,000 | 5,230 |
| Premises and equipment expense | $104,000 | 4,128 |
| Additional noninterest expense | $169,000 | 5,319 |
| Pre-tax net operating income | $60,000 | 5,657 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $60,000 | 5,605 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $60,000 | 5,605 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $60,000 | 5,605 |
| Net charge-offs | $2,000 | 3,350 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $60,000 | 5,567 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $1,609,000 | 6,144 |
| Total interest expense | $41,000 | 6,690 |
| Net interest income | $1,568,000 | 6,009 |
| Provision for loan and lease losses | $38,000 | 4,433 |
| Total noninterest income | $973,000 | 3,239 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $733,000 | 1,764 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $240,000 | 4,366 |
| Total noninterest expense | $2,294,000 | 5,218 |
| Salaries and employee benefits | $1,187,000 | 5,283 |
| Premises and equipment expense | $426,000 | 4,068 |
| Additional noninterest expense | $681,000 | 5,375 |
| Pre-tax net operating income | $209,000 | 5,701 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $208,000 | 5,685 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $208,000 | 5,687 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $208,000 | 5,687 |
| Net charge-offs | $89,000 | 3,869 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $208,000 | 5,631 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $1,149,000 | 6,259 |
| Total interest expense | $30,000 | 6,776 |
| Net interest income | $1,119,000 | 6,116 |
| Provision for loan and lease losses | $28,000 | 4,342 |
| Total noninterest income | $740,000 | 3,276 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $546,000 | 1,781 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $194,000 | 4,345 |
| Total noninterest expense | $1,725,000 | 5,227 |
| Salaries and employee benefits | $892,000 | 5,297 |
| Premises and equipment expense | $320,000 | 4,124 |
| Additional noninterest expense | $513,000 | 5,395 |
| Pre-tax net operating income | $106,000 | 5,978 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $1,000 | 4,622 |
| Income before extraordinary items | $105,000 | 5,995 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $105,000 | 5,997 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $105,000 | 5,997 |
| Net charge-offs | $66,000 | 3,648 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $105,000 | 5,936 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $755,000 | 6,311 |
| Total interest expense | $21,000 | 6,820 |
| Net interest income | $734,000 | 6,169 |
| Provision for loan and lease losses | $24,000 | 4,187 |
| Total noninterest income | $499,000 | 3,307 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $357,000 | 1,783 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $142,000 | 4,285 |
| Total noninterest expense | $1,159,000 | 5,235 |
| Salaries and employee benefits | $593,000 | 5,322 |
| Premises and equipment expense | $208,000 | 4,188 |
| Additional noninterest expense | $358,000 | 5,314 |
| Pre-tax net operating income | $50,000 | 6,079 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $1,000 | 4,582 |
| Income before extraordinary items | $49,000 | 6,153 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $49,000 | 6,154 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $49,000 | 6,155 |
| Net charge-offs | $25,000 | 3,858 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $49,000 | 6,069 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $371,000 | 6,388 |
| Total interest expense | $11,000 | 6,895 |
| Net interest income | $360,000 | 6,236 |
| Provision for loan and lease losses | $21,000 | 3,551 |
| Total noninterest income | $266,000 | 3,175 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $183,000 | 1,722 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $83,000 | 4,023 |
| Total noninterest expense | $585,000 | 5,262 |
| Salaries and employee benefits | $298,000 | 5,354 |
| Premises and equipment expense | $103,000 | 4,240 |
| Additional noninterest expense | $184,000 | 5,313 |
| Pre-tax net operating income | $20,000 | 6,148 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $20,000 | 6,210 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $20,000 | 6,210 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $20,000 | 6,211 |
| Net charge-offs | $20,000 | 3,086 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $20,000 | 6,127 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,580,000 | 6,429 |
| Total interest expense | $58,000 | 6,951 |
| Net interest income | $1,522,000 | 6,262 |
| Provision for loan and lease losses | $122,000 | 4,454 |
| Total noninterest income | $1,021,000 | 3,224 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $753,000 | 1,777 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $268,000 | 4,190 |
| Total noninterest expense | $2,462,000 | 5,203 |
| Salaries and employee benefits | $1,174,000 | 5,437 |
| Premises and equipment expense | $436,000 | 4,137 |
| Additional noninterest expense | $852,000 | 5,154 |
| Pre-tax net operating income | $-41,000 | 6,221 |
| Securities gains (losses) | $99,000 | 2,279 |
| Applicable income taxes | $1,000 | 4,670 |
| Income before extraordinary items | $57,000 | 6,170 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $57,000 | 6,164 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $57,000 | 6,166 |
| Net charge-offs | $158,000 | 4,014 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-40,020 | 6,237 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 6,535 |
| Total interest expense | $47,000 | 7,051 |
| Net interest income | $1,131,000 | 6,375 |
| Provision for loan and lease losses | $62,000 | 4,788 |
| Total noninterest income | $783,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $574,000 | 1,777 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $209,000 | 4,185 |
| Total noninterest expense | $1,896,000 | 5,189 |
| Salaries and employee benefits | $897,000 | 5,426 |
| Premises and equipment expense | $337,000 | 4,119 |
| Additional noninterest expense | $662,000 | 5,114 |
| Pre-tax net operating income | $-44,000 | 6,357 |
| Securities gains (losses) | $99,000 | 1,988 |
| Applicable income taxes | $1,000 | 4,707 |
| Income before extraordinary items | $54,000 | 6,262 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $54,000 | 6,260 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $54,000 | 6,261 |
| Net charge-offs | $74,000 | 4,249 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-43,020 | 6,370 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $765,000 | 6,613 |
| Total interest expense | $32,000 | 7,113 |
| Net interest income | $733,000 | 6,454 |
| Provision for loan and lease losses | $57,000 | 4,480 |
| Total noninterest income | $541,000 | 3,089 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $388,000 | 1,756 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 4,049 |
| Total noninterest expense | $1,274,000 | 5,207 |
| Salaries and employee benefits | $608,000 | 5,440 |
| Premises and equipment expense | $229,000 | 4,092 |
| Additional noninterest expense | $437,000 | 5,169 |
| Pre-tax net operating income | $-57,000 | 6,459 |
| Securities gains (losses) | $99,000 | 1,608 |
| Applicable income taxes | $1,000 | 4,644 |
| Income before extraordinary items | $41,000 | 6,271 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $41,000 | 6,271 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $41,000 | 6,271 |
| Net charge-offs | $69,000 | 3,752 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-56,020 | 6,474 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $379,000 | 6,683 |
| Total interest expense | $14,000 | 7,200 |
| Net interest income | $365,000 | 6,506 |
| Provision for loan and lease losses | $23,000 | 4,409 |
| Total noninterest income | $265,000 | 3,151 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $194,000 | 1,744 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $71,000 | 4,189 |
| Total noninterest expense | $603,000 | 5,358 |
| Salaries and employee benefits | $274,000 | 5,667 |
| Premises and equipment expense | $122,000 | 3,950 |
| Additional noninterest expense | $207,000 | 5,274 |
| Pre-tax net operating income | $4,000 | 6,387 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $4,000 | 6,480 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,000 | 6,481 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $4,000 | 6,480 |
| Net charge-offs | $37,000 | 3,263 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $4,000 | 6,375 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 6,728 |
| Total interest expense | $80,000 | 7,239 |
| Net interest income | $1,472,000 | 6,551 |
| Provision for loan and lease losses | $39,000 | 5,987 |
| Total noninterest income | $1,097,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $780,000 | 1,816 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $317,000 | 3,770 |
| Total noninterest expense | $2,527,000 | 5,313 |
| Salaries and employee benefits | $1,160,000 | 5,585 |
| Premises and equipment expense | $435,000 | 4,376 |
| Additional noninterest expense | $932,000 | 5,068 |
| Pre-tax net operating income | $3,000 | 6,002 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $3,000 | 6,150 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,000 | 6,152 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,000 | 6,152 |
| Net charge-offs | $77,000 | 5,193 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $3,000 | 6,028 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,164,000 | 6,794 |
| Total interest expense | $65,000 | 7,304 |
| Net interest income | $1,099,000 | 6,609 |
| Provision for loan and lease losses | $33,000 | 5,783 |
| Total noninterest income | $843,000 | 2,909 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $580,000 | 1,835 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $263,000 | 3,660 |
| Total noninterest expense | $1,881,000 | 5,350 |
| Salaries and employee benefits | $869,000 | 5,601 |
| Premises and equipment expense | $330,000 | 4,392 |
| Additional noninterest expense | $682,000 | 5,163 |
| Pre-tax net operating income | $28,000 | 6,046 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $28,000 | 6,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $28,000 | 6,168 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $28,000 | 6,168 |
| Net charge-offs | $73,000 | 4,697 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $28,000 | 6,061 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $782,000 | 6,853 |
| Total interest expense | $46,000 | 7,368 |
| Net interest income | $736,000 | 6,656 |
| Provision for loan and lease losses | $12,000 | 5,900 |
| Total noninterest income | $564,000 | 2,904 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $380,000 | 1,841 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $184,000 | 3,629 |
| Total noninterest expense | $1,247,000 | 5,427 |
| Salaries and employee benefits | $580,000 | 5,643 |
| Premises and equipment expense | $215,000 | 4,497 |
| Additional noninterest expense | $452,000 | 5,247 |
| Pre-tax net operating income | $41,000 | 5,982 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $41,000 | 6,066 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $41,000 | 6,065 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $41,000 | 6,066 |
| Net charge-offs | $19,000 | 5,072 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $41,000 | 5,980 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $385,000 | 6,924 |
| Total interest expense | $22,000 | 7,444 |
| Net interest income | $363,000 | 6,700 |
| Provision for loan and lease losses | $1,000 | 5,795 |
| Total noninterest income | $272,000 | 2,992 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $187,000 | 1,848 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $85,000 | 3,808 |
| Total noninterest expense | $631,000 | 5,419 |
| Salaries and employee benefits | $290,000 | 5,686 |
| Premises and equipment expense | $107,000 | 4,537 |
| Additional noninterest expense | $234,000 | 5,161 |
| Pre-tax net operating income | $3,000 | 6,291 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $3,000 | 6,340 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $3,000 | 6,340 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,000 | 6,340 |
| Net charge-offs | $9,000 | 4,430 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $3,000 | 6,309 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,718,000 | 6,913 |
| Total interest expense | $110,000 | 7,506 |
| Net interest income | $1,608,000 | 6,629 |
| Provision for loan and lease losses | $276,000 | 4,960 |
| Total noninterest income | $1,146,000 | 2,981 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $841,000 | 1,746 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $305,000 | 3,926 |
| Total noninterest expense | $2,827,000 | 5,193 |
| Salaries and employee benefits | $1,314,000 | 5,417 |
| Premises and equipment expense | $427,000 | 4,590 |
| Additional noninterest expense | $1,086,000 | 4,875 |
| Pre-tax net operating income | $-349,000 | 6,155 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $-350,000 | 6,276 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-350,000 | 6,277 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-350,000 | 6,278 |
| Net charge-offs | $167,000 | 4,946 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-350,000 | 6,227 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,324,000 | 6,984 |
| Total interest expense | $89,000 | 7,613 |
| Net interest income | $1,235,000 | 6,678 |
| Provision for loan and lease losses | $276,000 | 4,426 |
| Total noninterest income | $860,000 | 3,010 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $652,000 | 1,753 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $208,000 | 4,118 |
| Total noninterest expense | $2,129,000 | 5,192 |
| Salaries and employee benefits | $986,000 | 5,454 |
| Premises and equipment expense | $316,000 | 4,710 |
| Additional noninterest expense | $827,000 | 4,826 |
| Pre-tax net operating income | $-310,000 | 6,403 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $-311,000 | 6,534 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-311,000 | 6,535 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-311,000 | 6,534 |
| Net charge-offs | $163,000 | 4,428 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-311,000 | 6,457 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $882,000 | 7,050 |
| Total interest expense | $62,000 | 7,677 |
| Net interest income | $820,000 | 6,708 |
| Provision for loan and lease losses | $260,000 | 3,834 |
| Total noninterest income | $656,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $443,000 | 1,722 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $213,000 | 3,409 |
| Total noninterest expense | $1,369,000 | 5,308 |
| Salaries and employee benefits | $667,000 | 5,458 |
| Premises and equipment expense | $219,000 | 4,628 |
| Additional noninterest expense | $483,000 | 5,184 |
| Pre-tax net operating income | $-153,000 | 6,368 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $-154,000 | 6,503 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-154,000 | 6,505 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-154,000 | 6,503 |
| Net charge-offs | $237,000 | 3,347 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-154,000 | 6,441 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $454,000 | 7,106 |
| Total interest expense | $32,000 | 7,777 |
| Net interest income | $422,000 | 6,726 |
| Provision for loan and lease losses | $55,000 | 4,769 |
| Total noninterest income | $322,000 | 2,728 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $227,000 | 1,684 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $95,000 | 3,602 |
| Total noninterest expense | $666,000 | 5,454 |
| Salaries and employee benefits | $330,000 | 5,536 |
| Premises and equipment expense | $102,000 | 4,904 |
| Additional noninterest expense | $234,000 | 5,303 |
| Pre-tax net operating income | $23,000 | 6,002 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $23,000 | 6,099 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $23,000 | 6,100 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $23,000 | 6,099 |
| Net charge-offs | $146,000 | 2,749 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $23,000 | 5,985 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 6,954 |
| Total interest expense | $215,000 | 7,749 |
| Net interest income | $1,930,000 | 6,421 |
| Provision for loan and lease losses | $668,000 | 4,105 |
| Total noninterest income | $1,439,000 | 2,624 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $980,000 | 1,716 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $459,000 | 3,345 |
| Total noninterest expense | $2,690,000 | 5,482 |
| Salaries and employee benefits | $1,433,000 | 5,330 |
| Premises and equipment expense | $425,000 | 4,826 |
| Additional noninterest expense | $832,000 | 5,731 |
| Pre-tax net operating income | $11,000 | 5,373 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $2,000 | 4,160 |
| Income before extraordinary items | $9,000 | 5,502 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,000 | 5,501 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $9,000 | 5,501 |
| Net charge-offs | $488,000 | 3,826 |
| Cash dividends | $91,000 | 4,195 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 578 |
| Net operating income | $9,000 | 5,447 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,639,000 | 7,008 |
| Total interest expense | $178,000 | 7,812 |
| Net interest income | $1,461,000 | 6,434 |
| Provision for loan and lease losses | $487,000 | 3,838 |
| Total noninterest income | $984,000 | 2,849 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $736,000 | 1,722 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $248,000 | 3,923 |
| Total noninterest expense | $2,035,000 | 5,463 |
| Salaries and employee benefits | $1,105,000 | 5,287 |
| Premises and equipment expense | $320,000 | 4,856 |
| Additional noninterest expense | $610,000 | 5,771 |
| Pre-tax net operating income | $-77,000 | 5,839 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $2,000 | 4,371 |
| Income before extraordinary items | $-79,000 | 5,931 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-79,000 | 5,931 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-79,000 | 5,931 |
| Net charge-offs | $455,000 | 3,166 |
| Cash dividends | $91,000 | 3,652 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 470 |
| Net operating income | $-79,000 | 5,903 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,123,000 | 7,032 |
| Total interest expense | $130,000 | 7,863 |
| Net interest income | $993,000 | 6,408 |
| Provision for loan and lease losses | $319,000 | 3,608 |
| Total noninterest income | $655,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $487,000 | 1,713 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $168,000 | 3,920 |
| Total noninterest expense | $1,400,000 | 5,430 |
| Salaries and employee benefits | $772,000 | 5,210 |
| Premises and equipment expense | $209,000 | 4,956 |
| Additional noninterest expense | $419,000 | 5,712 |
| Pre-tax net operating income | $-71,000 | 6,026 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,000 | 4,523 |
| Income before extraordinary items | $-72,000 | 6,128 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-72,000 | 6,127 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-72,000 | 6,127 |
| Net charge-offs | $288,000 | 2,986 |
| Cash dividends | $91,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 372 |
| Net operating income | $-72,000 | 6,083 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $568,000 | 7,057 |
| Total interest expense | $69,000 | 7,910 |
| Net interest income | $499,000 | 6,412 |
| Provision for loan and lease losses | $274,000 | 2,462 |
| Total noninterest income | $319,000 | 2,907 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $235,000 | 1,715 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $84,000 | 3,931 |
| Total noninterest expense | $738,000 | 5,226 |
| Salaries and employee benefits | $423,000 | 4,971 |
| Premises and equipment expense | $105,000 | 4,986 |
| Additional noninterest expense | $210,000 | 5,480 |
| Pre-tax net operating income | $-194,000 | 6,878 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $-195,000 | 7,022 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-195,000 | 7,023 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-195,000 | 7,023 |
| Net charge-offs | $199,000 | 2,137 |
| Cash dividends | $44,000 | 2,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-195,000 | 6,948 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 6,785 |
| Total interest expense | $478,000 | 7,712 |
| Net interest income | $2,274,000 | 6,115 |
| Provision for loan and lease losses | $171,000 | 5,403 |
| Total noninterest income | $1,308,000 | 2,885 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $956,000 | 1,826 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $352,000 | 3,816 |
| Total noninterest expense | $3,158,000 | 4,955 |
| Salaries and employee benefits | $1,767,000 | 4,851 |
| Premises and equipment expense | $466,000 | 4,659 |
| Additional noninterest expense | $925,000 | 5,068 |
| Pre-tax net operating income | $253,000 | 5,589 |
| Securities gains (losses) | $114,000 | 1,038 |
| Applicable income taxes | $-3,000 | 6,737 |
| Income before extraordinary items | $370,000 | 4,847 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $370,000 | 4,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 4,371 |
| Cash dividends | $194,000 | 4,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $256,000 | 5,432 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,148,000 | 6,789 |
| Total interest expense | $394,000 | 7,739 |
| Net interest income | $1,754,000 | 6,104 |
| Provision for loan and lease losses | $67,000 | 5,615 |
| Total noninterest income | $992,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $725,000 | 1,817 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $267,000 | 3,896 |
| Total noninterest expense | $2,326,000 | 4,998 |
| Salaries and employee benefits | $1,300,000 | 4,925 |
| Premises and equipment expense | $351,000 | 4,660 |
| Additional noninterest expense | $675,000 | 5,069 |
| Pre-tax net operating income | $353,000 | 5,434 |
| Securities gains (losses) | $114,000 | 882 |
| Applicable income taxes | $2,000 | 5,168 |
| Income before extraordinary items | $465,000 | 4,562 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $465,000 | 4,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,500 |
| Cash dividends | $150,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $351,000 | 5,156 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 6,799 |
| Total interest expense | $275,000 | 7,792 |
| Net interest income | $1,189,000 | 6,086 |
| Provision for loan and lease losses | $39,000 | 5,425 |
| Total noninterest income | $641,000 | 3,004 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $482,000 | 1,806 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $159,000 | 4,207 |
| Total noninterest expense | $1,534,000 | 5,056 |
| Salaries and employee benefits | $878,000 | 4,909 |
| Premises and equipment expense | $220,000 | 4,869 |
| Additional noninterest expense | $436,000 | 5,160 |
| Pre-tax net operating income | $257,000 | 5,464 |
| Securities gains (losses) | $114,000 | 875 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $370,000 | 4,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $370,000 | 4,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,084 |
| Cash dividends | $75,000 | 4,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $256,000 | 5,167 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $762,000 | 6,812 |
| Total interest expense | $162,000 | 7,741 |
| Net interest income | $600,000 | 6,104 |
| Provision for loan and lease losses | $5,000 | 5,755 |
| Total noninterest income | $313,000 | 3,043 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $235,000 | 1,807 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $78,000 | 4,253 |
| Total noninterest expense | $803,000 | 4,922 |
| Salaries and employee benefits | $451,000 | 4,874 |
| Premises and equipment expense | $107,000 | 4,968 |
| Additional noninterest expense | $245,000 | 4,756 |
| Pre-tax net operating income | $105,000 | 5,951 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $104,000 | 5,791 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $104,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $104,000 | 5,698 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,612,000 | 6,446 |
| Total interest expense | $678,000 | 7,698 |
| Net interest income | $2,934,000 | 5,567 |
| Provision for loan and lease losses | $188,000 | 3,967 |
| Total noninterest income | $1,301,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $980,000 | 1,794 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $321,000 | 4,121 |
| Total noninterest expense | $3,820,000 | 4,270 |
| Salaries and employee benefits | $1,948,000 | 4,470 |
| Premises and equipment expense | $425,000 | 4,844 |
| Additional noninterest expense | $1,447,000 | 3,528 |
| Pre-tax net operating income | $227,000 | 6,803 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 5,906 |
| Income before extraordinary items | $225,000 | 6,705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $225,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,975 |
| Cash dividends | $301,000 | 4,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $225,000 | 6,680 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,708,000 | 6,485 |
| Total interest expense | $512,000 | 7,724 |
| Net interest income | $2,196,000 | 5,598 |
| Provision for loan and lease losses | $181,000 | 3,142 |
| Total noninterest income | $977,000 | 2,967 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $737,000 | 1,768 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $240,000 | 4,162 |
| Total noninterest expense | $2,421,000 | 4,757 |
| Salaries and employee benefits | $1,378,000 | 4,638 |
| Premises and equipment expense | $316,000 | 4,857 |
| Additional noninterest expense | $727,000 | 4,687 |
| Pre-tax net operating income | $571,000 | 5,534 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,000 | 6,041 |
| Income before extraordinary items | $569,000 | 5,123 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $569,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,129 |
| Cash dividends | $196,000 | 4,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $569,000 | 5,114 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,767,000 | 6,582 |
| Total interest expense | $327,000 | 7,813 |
| Net interest income | $1,440,000 | 5,680 |
| Provision for loan and lease losses | $176,000 | 2,383 |
| Total noninterest income | $645,000 | 2,999 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $492,000 | 1,775 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $153,000 | 4,275 |
| Total noninterest expense | $1,562,000 | 4,892 |
| Salaries and employee benefits | $939,000 | 4,616 |
| Premises and equipment expense | $215,000 | 4,801 |
| Additional noninterest expense | $408,000 | 5,235 |
| Pre-tax net operating income | $347,000 | 5,777 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,000 | 6,141 |
| Income before extraordinary items | $346,000 | 5,369 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $346,000 | 5,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,473 |
| Cash dividends | $125,000 | 4,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $346,000 | 5,356 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $883,000 | 6,608 |
| Total interest expense | $168,000 | 7,808 |
| Net interest income | $715,000 | 5,708 |
| Provision for loan and lease losses | $142,000 | 1,567 |
| Total noninterest income | $327,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $253,000 | 1,701 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $74,000 | 4,353 |
| Total noninterest expense | $744,000 | 5,043 |
| Salaries and employee benefits | $458,000 | 4,726 |
| Premises and equipment expense | $68,000 | 6,105 |
| Additional noninterest expense | $218,000 | 4,976 |
| Pre-tax net operating income | $156,000 | 5,990 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $155,000 | 5,581 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $155,000 | 5,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 934 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $155,000 | 5,565 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,550,000 | 6,392 |
| Total interest expense | $509,000 | 7,900 |
| Net interest income | $3,041,000 | 5,484 |
| Provision for loan and lease losses | $85,000 | 4,954 |
| Total noninterest income | $1,328,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,093,000 | 1,622 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $235,000 | 4,800 |
| Total noninterest expense | $3,366,000 | 4,521 |
| Salaries and employee benefits | $2,108,000 | 4,110 |
| Premises and equipment expense | $357,000 | 5,278 |
| Additional noninterest expense | $901,000 | 4,853 |
| Pre-tax net operating income | $918,000 | 5,381 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,000 | 6,435 |
| Income before extraordinary items | $916,000 | 4,902 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $916,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,479 |
| Cash dividends | $732,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $916,000 | 4,900 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,639,000 | 6,432 |
| Total interest expense | $361,000 | 7,986 |
| Net interest income | $2,278,000 | 5,526 |
| Provision for loan and lease losses | $35,000 | 5,538 |
| Total noninterest income | $1,000,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $829,000 | 1,604 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,871 |
| Total noninterest expense | $2,262,000 | 4,848 |
| Salaries and employee benefits | $1,413,000 | 4,444 |
| Premises and equipment expense | $266,000 | 5,290 |
| Additional noninterest expense | $583,000 | 5,301 |
| Pre-tax net operating income | $981,000 | 4,760 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,000 | 6,519 |
| Income before extraordinary items | $979,000 | 4,225 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $979,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,854 |
| Cash dividends | $457,000 | 3,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $979,000 | 4,210 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,733,000 | 6,464 |
| Total interest expense | $219,000 | 8,070 |
| Net interest income | $1,514,000 | 5,563 |
| Provision for loan and lease losses | $33,000 | 4,938 |
| Total noninterest income | $659,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $536,000 | 1,635 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 4,696 |
| Total noninterest expense | $1,408,000 | 5,095 |
| Salaries and employee benefits | $884,000 | 4,665 |
| Premises and equipment expense | $163,000 | 5,551 |
| Additional noninterest expense | $361,000 | 5,521 |
| Pre-tax net operating income | $732,000 | 4,526 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $731,000 | 3,953 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $731,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,137 |
| Cash dividends | $226,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $731,000 | 3,946 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $842,000 | 6,521 |
| Total interest expense | $98,000 | 8,153 |
| Net interest income | $744,000 | 5,616 |
| Provision for loan and lease losses | $2,000 | 5,907 |
| Total noninterest income | $311,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $260,000 | 1,633 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,080 |
| Total noninterest expense | $691,000 | 5,170 |
| Salaries and employee benefits | $438,000 | 4,734 |
| Premises and equipment expense | $80,000 | 5,635 |
| Additional noninterest expense | $173,000 | 5,628 |
| Pre-tax net operating income | $362,000 | 4,515 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $361,000 | 3,953 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $361,000 | 3,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $361,000 | 3,936 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 6,657 |
| Total interest expense | $235,000 | 8,364 |
| Net interest income | $2,685,000 | 5,843 |
| Provision for loan and lease losses | $57,000 | 5,617 |
| Total noninterest income | $1,322,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,089,000 | 1,602 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $233,000 | 4,865 |
| Total noninterest expense | $3,060,000 | 4,702 |
| Salaries and employee benefits | $1,893,000 | 4,294 |
| Premises and equipment expense | $359,000 | 5,199 |
| Additional noninterest expense | $808,000 | 5,137 |
| Pre-tax net operating income | $890,000 | 5,657 |
| Securities gains (losses) | $16,000 | 1,323 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $905,000 | 5,070 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $905,000 | 5,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,338 |
| Cash dividends | $679,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $889,000 | 5,067 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 6,740 |
| Total interest expense | $146,000 | 8,471 |
| Net interest income | $1,973,000 | 5,924 |
| Provision for loan and lease losses | $46,000 | 5,297 |
| Total noninterest income | $988,000 | 2,931 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $812,000 | 1,596 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $176,000 | 4,883 |
| Total noninterest expense | $2,037,000 | 5,075 |
| Salaries and employee benefits | $1,256,000 | 4,678 |
| Premises and equipment expense | $240,000 | 5,556 |
| Additional noninterest expense | $541,000 | 5,468 |
| Pre-tax net operating income | $878,000 | 5,086 |
| Securities gains (losses) | $16,000 | 1,308 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $893,000 | 4,474 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $893,000 | 4,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,823 |
| Cash dividends | $149,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $877,000 | 4,478 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 6,832 |
| Total interest expense | $82,000 | 8,547 |
| Net interest income | $1,251,000 | 6,059 |
| Provision for loan and lease losses | $38,000 | 4,924 |
| Total noninterest income | $651,000 | 2,924 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $530,000 | 1,592 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $121,000 | 4,790 |
| Total noninterest expense | $1,344,000 | 5,104 |
| Salaries and employee benefits | $842,000 | 4,649 |
| Premises and equipment expense | $159,000 | 5,543 |
| Additional noninterest expense | $343,000 | 5,594 |
| Pre-tax net operating income | $520,000 | 5,383 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $528,000 | 4,758 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $528,000 | 4,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $149,000 | 3,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $520,000 | 4,744 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $630,000 | 6,988 |
| Total interest expense | $32,000 | 8,681 |
| Net interest income | $598,000 | 6,235 |
| Provision for loan and lease losses | $2,000 | 6,096 |
| Total noninterest income | $315,000 | 2,955 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $262,000 | 1,548 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,055 |
| Total noninterest expense | $627,000 | 5,372 |
| Salaries and employee benefits | $415,000 | 4,699 |
| Premises and equipment expense | $77,000 | 5,676 |
| Additional noninterest expense | $135,000 | 6,349 |
| Pre-tax net operating income | $284,000 | 5,136 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $284,000 | 4,518 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $284,000 | 4,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $284,000 | 4,478 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 7,118 |
| Total interest expense | $127,000 | 8,670 |
| Net interest income | $2,137,000 | 6,450 |
| Provision for loan and lease losses | $26,000 | 6,546 |
| Total noninterest income | $1,478,000 | 2,721 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,254,000 | 1,409 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $224,000 | 4,865 |
| Total noninterest expense | $2,910,000 | 4,763 |
| Salaries and employee benefits | $1,799,000 | 4,347 |
| Premises and equipment expense | $293,000 | 5,741 |
| Additional noninterest expense | $818,000 | 5,013 |
| Pre-tax net operating income | $679,000 | 6,165 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,000 | 7,032 |
| Income before extraordinary items | $677,000 | 5,674 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $677,000 | 5,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,996 |
| Cash dividends | $511,000 | 3,487 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $677,000 | 5,613 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,640,000 | 7,209 |
| Total interest expense | $98,000 | 8,720 |
| Net interest income | $1,542,000 | 6,561 |
| Provision for loan and lease losses | $7,000 | 6,892 |
| Total noninterest income | $1,108,000 | 2,723 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $939,000 | 1,420 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $169,000 | 4,855 |
| Total noninterest expense | $1,998,000 | 5,034 |
| Salaries and employee benefits | $1,249,000 | 4,552 |
| Premises and equipment expense | $204,000 | 5,927 |
| Additional noninterest expense | $545,000 | 5,375 |
| Pre-tax net operating income | $645,000 | 5,713 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $644,000 | 5,183 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $644,000 | 5,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,805 |
| Cash dividends | $232,000 | 3,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $644,000 | 5,100 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 7,316 |
| Total interest expense | $70,000 | 8,755 |
| Net interest income | $989,000 | 6,690 |
| Provision for loan and lease losses | $2,000 | 6,819 |
| Total noninterest income | $721,000 | 2,777 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $621,000 | 1,422 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $100,000 | 5,155 |
| Total noninterest expense | $1,286,000 | 5,181 |
| Salaries and employee benefits | $806,000 | 4,694 |
| Premises and equipment expense | $153,000 | 5,605 |
| Additional noninterest expense | $327,000 | 5,709 |
| Pre-tax net operating income | $422,000 | 5,732 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,000 | 7,109 |
| Income before extraordinary items | $421,000 | 5,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $421,000 | 5,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $105,000 | 4,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $421,000 | 5,107 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $518,000 | 7,412 |
| Total interest expense | $35,000 | 8,802 |
| Net interest income | $483,000 | 6,783 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $357,000 | 2,752 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $304,000 | 1,408 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $53,000 | 5,009 |
| Total noninterest expense | $605,000 | 5,427 |
| Salaries and employee benefits | $398,000 | 4,755 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $129,000 | 6,461 |
| Pre-tax net operating income | $235,000 | 5,429 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $235,000 | 4,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $235,000 | 4,918 |
| 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 | $235,000 | 4,791 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,055,000 | 7,482 |
| Total interest expense | $153,000 | 8,854 |
| Net interest income | $1,902,000 | 6,739 |
| Provision for loan and lease losses | $49,000 | 6,327 |
| Total noninterest income | $1,443,000 | 2,925 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,250,000 | 1,386 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $193,000 | 5,358 |
| Total noninterest expense | $2,790,000 | 4,846 |
| Salaries and employee benefits | $1,721,000 | 4,402 |
| Premises and equipment expense | $344,000 | 5,233 |
| Additional noninterest expense | $725,000 | 5,384 |
| Pre-tax net operating income | $506,000 | 6,662 |
| Securities gains (losses) | $208,000 | 1,319 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $712,000 | 5,533 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $712,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,475 |
| Cash dividends | $530,000 | 3,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $504,000 | 6,164 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 7,551 |
| Total interest expense | $122,000 | 8,933 |
| Net interest income | $1,435,000 | 6,758 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $1,086,000 | 2,965 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $943,000 | 1,384 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $143,000 | 5,434 |
| Total noninterest expense | $1,976,000 | 5,023 |
| Salaries and employee benefits | $1,232,000 | 4,530 |
| Premises and equipment expense | $259,000 | 5,208 |
| Additional noninterest expense | $485,000 | 5,735 |
| Pre-tax net operating income | $518,000 | 6,205 |
| Securities gains (losses) | $208,000 | 1,206 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $725,000 | 4,894 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $725,000 | 4,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $295,000 | 3,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $517,000 | 5,597 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 7,607 |
| Total interest expense | $91,000 | 8,945 |
| Net interest income | $944,000 | 6,814 |
| Provision for loan and lease losses | $17,000 | 6,512 |
| Total noninterest income | $715,000 | 2,964 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $619,000 | 1,382 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $96,000 | 5,386 |
| Total noninterest expense | $1,299,000 | 5,060 |
| Salaries and employee benefits | $827,000 | 4,505 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $311,000 | 5,860 |
| Pre-tax net operating income | $343,000 | 6,215 |
| Securities gains (losses) | $207,000 | 1,023 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $550,000 | 4,545 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $550,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $156,000 | 3,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $343,000 | 5,573 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $525,000 | 7,623 |
| Total interest expense | $53,000 | 8,944 |
| Net interest income | $472,000 | 6,810 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $344,000 | 2,945 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $301,000 | 1,379 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $607,000 | 5,294 |
| Salaries and employee benefits | $396,000 | 4,643 |
| Premises and equipment expense | $77,000 | 5,564 |
| Additional noninterest expense | $134,000 | 6,334 |
| Pre-tax net operating income | $207,000 | 5,768 |
| Securities gains (losses) | $207,000 | 640 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $414,000 | 3,377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $207,000 | 5,048 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,204,000 | 7,642 |
| Total interest expense | $257,000 | 8,972 |
| Net interest income | $1,947,000 | 6,706 |
| Provision for loan and lease losses | $46,000 | 6,809 |
| Total noninterest income | $1,448,000 | 2,689 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,271,000 | 1,271 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $177,000 | 5,256 |
| Total noninterest expense | $2,865,000 | 4,614 |
| Salaries and employee benefits | $1,715,000 | 4,243 |
| Premises and equipment expense | $326,000 | 5,308 |
| Additional noninterest expense | $824,000 | 4,829 |
| Pre-tax net operating income | $484,000 | 6,829 |
| Securities gains (losses) | $46,000 | 2,486 |
| Applicable income taxes | $4,000 | 7,480 |
| Income before extraordinary items | $526,000 | 6,281 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $526,000 | 6,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,914 |
| Cash dividends | $436,000 | 3,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $480,460 | 6,344 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,765,000 | 7,486 |
| Total interest expense | $532,000 | 8,960 |
| Net interest income | $2,233,000 | 6,078 |
| Provision for loan and lease losses | $49,000 | 6,732 |
| Total noninterest income | $1,270,000 | 2,820 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,108,000 | 1,356 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $162,000 | 5,371 |
| Total noninterest expense | $2,831,000 | 4,536 |
| Salaries and employee benefits | $1,763,000 | 3,972 |
| Premises and equipment expense | $322,000 | 5,306 |
| Additional noninterest expense | $746,000 | 5,029 |
| Pre-tax net operating income | $623,000 | 6,090 |
| Securities gains (losses) | $332,000 | 839 |
| Applicable income taxes | $-36,000 | 9,116 |
| Income before extraordinary items | $991,000 | 4,311 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $991,000 | 4,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,793 |
| Cash dividends | $792,000 | 2,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $659,000 | 5,246 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 7,259 |
| Total interest expense | $683,000 | 8,895 |
| Net interest income | $2,466,000 | 5,866 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $1,073,000 | 2,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $975,000 | 1,397 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 6,478 |
| Total noninterest expense | $2,602,000 | 4,720 |
| Salaries and employee benefits | $1,581,000 | 4,179 |
| Premises and equipment expense | $355,000 | 4,888 |
| Additional noninterest expense | $666,000 | 5,371 |
| Pre-tax net operating income | $912,000 | 5,507 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $89,000 | 6,663 |
| Income before extraordinary items | $823,000 | 4,963 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $823,000 | 4,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $658,000 | 3,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $823,000 | 4,958 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 7,509 |
| Total interest expense | $522,000 | 9,391 |
| Net interest income | $2,361,000 | 6,011 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $1,059,000 | 2,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $967,000 | 1,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 6,819 |
| Total noninterest expense | $2,521,000 | 4,853 |
| Salaries and employee benefits | $1,477,000 | 4,398 |
| Premises and equipment expense | $355,000 | 4,929 |
| Additional noninterest expense | $689,000 | 5,294 |
| Pre-tax net operating income | $884,000 | 5,652 |
| Securities gains (losses) | $-30,000 | 9,665 |
| Applicable income taxes | $84,000 | 7,149 |
| Income before extraordinary items | $770,000 | 5,196 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $770,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $614,000 | 3,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $797,000 | 5,065 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 7,641 |
| Total interest expense | $552,000 | 9,585 |
| Net interest income | $2,349,000 | 6,064 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $1,068,000 | 2,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $954,000 | 1,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,324 |
| Total noninterest expense | $2,507,000 | 4,772 |
| Salaries and employee benefits | $1,455,000 | 4,338 |
| Premises and equipment expense | $337,000 | 5,019 |
| Additional noninterest expense | $715,000 | 5,084 |
| Pre-tax net operating income | $874,000 | 5,826 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $87,000 | 7,722 |
| Income before extraordinary items | $805,000 | 5,177 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $805,000 | 5,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $644,000 | 3,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $788,800 | 5,142 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,893,000 | 7,895 |
| Total interest expense | $578,000 | 9,893 |
| Net interest income | $2,315,000 | 6,345 |
| Provision for loan and lease losses | $64,000 | 6,078 |
| Total noninterest income | $1,096,000 | 2,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $982,000 | 1,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,420 |
| Total noninterest expense | $2,337,000 | 5,041 |
| Salaries and employee benefits | $1,376,000 | 4,571 |
| Premises and equipment expense | $301,000 | 5,436 |
| Additional noninterest expense | $660,000 | 5,454 |
| Pre-tax net operating income | $1,010,000 | 5,803 |
| Securities gains (losses) | $35,000 | 1,545 |
| Applicable income taxes | $121,000 | 8,071 |
| Income before extraordinary items | $924,000 | 4,965 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $924,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,815 |
| Cash dividends | $731,000 | 2,713 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 10,715 |
| Net operating income | $893,200 | 5,021 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,784,000 | 8,301 |
| Total interest expense | $585,000 | 10,319 |
| Net interest income | $2,199,000 | 6,769 |
| Provision for loan and lease losses | $106,000 | 4,950 |
| Total noninterest income | $1,458,000 | 2,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,090,000 | 1,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $368,000 | 3,571 |
| Total noninterest expense | $2,388,000 | 5,199 |
| Salaries and employee benefits | $1,331,000 | 4,771 |
| Premises and equipment expense | $315,000 | 5,388 |
| Additional noninterest expense | $742,000 | 5,501 |
| Pre-tax net operating income | $1,163,000 | 5,230 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $451,000 | 4,493 |
| Income before extraordinary items | $712,000 | 5,712 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $712,000 | 5,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,102 |
| Cash dividends | $170,000 | 5,771 |
| Sale, conversion, retirement of capital stock, net | $-579,000 | 11,407 |
| Net operating income | $712,000 | 5,653 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 8,683 |
| Total interest expense | $648,000 | 10,495 |
| Net interest income | $2,024,000 | 7,252 |
| Provision for loan and lease losses | $29,000 | 7,212 |
| Total noninterest income | $1,094,000 | 2,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $940,000 | 1,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,906 |
| Total noninterest expense | $2,222,000 | 5,510 |
| Salaries and employee benefits | $1,286,000 | 4,903 |
| Premises and equipment expense | $272,000 | 6,038 |
| Additional noninterest expense | $664,000 | 6,098 |
| Pre-tax net operating income | $867,000 | 6,565 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $377,000 | 5,156 |
| Income before extraordinary items | $490,000 | 7,331 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $490,000 | 7,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $175,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $490,000 | 7,293 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,152,000 | 9,513 |
| Total interest expense | $447,000 | 11,354 |
| Net interest income | $1,705,000 | 8,289 |
| Provision for loan and lease losses | $28,000 | 7,286 |
| Total noninterest income | $1,079,000 | 2,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $931,000 | 1,452 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,243 |
| Total noninterest expense | $2,109,000 | 5,945 |
| Salaries and employee benefits | $1,161,000 | 5,418 |
| Premises and equipment expense | $248,000 | 6,554 |
| Additional noninterest expense | $700,000 | 6,311 |
| Pre-tax net operating income | $647,000 | 7,736 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $231,000 | 6,821 |
| Income before extraordinary items | $416,000 | 8,040 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $416,000 | 8,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $131,000 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $416,000 | 8,082 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 10,387 |
| Total interest expense | $464,000 | 11,864 |
| Net interest income | $1,436,000 | 9,315 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $1,112,000 | 3,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $946,000 | 1,429 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,237 |
| Total noninterest expense | $2,062,000 | 6,170 |
| Salaries and employee benefits | $1,115,000 | 5,574 |
| Premises and equipment expense | $196,000 | 7,757 |
| Additional noninterest expense | $751,000 | 6,236 |
| Pre-tax net operating income | $434,000 | 9,148 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $142,000 | 8,816 |
| Income before extraordinary items | $298,000 | 9,507 |
| Extraordinary gains, net | $-52,000 | 12,738 |
| Net income | $246,000 | 10,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 6,565 |
| Cash dividends | $105,000 | 6,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $293,920 | 9,295 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 10,605 |
| Total interest expense | $698,000 | 11,827 |
| Net interest income | $1,445,000 | 9,468 |
| Provision for loan and lease losses | $33,000 | 9,854 |
| Total noninterest income | $1,043,000 | 3,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $900,000 | 1,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,812 |
| Total noninterest expense | $2,094,000 | 6,152 |
| Salaries and employee benefits | $1,150,000 | 5,372 |
| Premises and equipment expense | $254,000 | 6,707 |
| Additional noninterest expense | $690,000 | 6,820 |
| Pre-tax net operating income | $361,000 | 9,571 |
| Securities gains (losses) | $457,000 | 1,158 |
| Applicable income taxes | $301,000 | 5,910 |
| Income before extraordinary items | $517,000 | 7,180 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $517,000 | 7,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $158,000 | 5,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $224,520 | 9,906 |
* 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.