Home > Florida Citizens Bank > Income and Expense
Florida Citizens Bank, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $6,734,000 | 2,620 |
| Total interest expense | $1,040,000 | 1,912 |
| Net interest income | $5,694,000 | 2,723 |
| Provision for loan and lease losses | $150,000 | 2,243 |
| Total noninterest income | $1,312,000 | 2,302 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $591,000 | 1,516 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $721,000 | 2,447 |
| Total noninterest expense | $5,984,000 | 2,297 |
| Salaries and employee benefits | $2,959,000 | 2,523 |
| Premises and equipment expense | $1,206,000 | 1,438 |
| Additional noninterest expense | $1,819,000 | 2,397 |
| Pre-tax net operating income | $872,000 | 3,962 |
| Securities gains (losses) | $-2,000 | 5,864 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $870,000 | 3,739 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $870,000 | 3,738 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $870,000 | 3,739 |
| Net charge-offs | $423,000 | 968 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $872,000 | 3,682 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,478,000 | 2,627 |
| Total interest expense | $704,000 | 1,888 |
| Net interest income | $3,774,000 | 2,735 |
| Provision for loan and lease losses | $150,000 | 1,756 |
| Total noninterest income | $849,000 | 2,347 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $393,000 | 1,493 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $456,000 | 2,518 |
| Total noninterest expense | $3,902,000 | 2,356 |
| Salaries and employee benefits | $1,958,000 | 2,559 |
| Premises and equipment expense | $792,000 | 1,476 |
| Additional noninterest expense | $1,152,000 | 2,518 |
| Pre-tax net operating income | $571,000 | 3,978 |
| Securities gains (losses) | $-2,000 | 5,970 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $569,000 | 3,760 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $569,000 | 3,762 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $569,000 | 3,763 |
| Net charge-offs | $236,000 | 1,077 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $571,000 | 3,697 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,222,000 | 2,643 |
| Total interest expense | $348,000 | 1,922 |
| Net interest income | $1,874,000 | 2,746 |
| Provision for loan and lease losses | $100,000 | 1,425 |
| Total noninterest income | $452,000 | 2,239 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $193,000 | 1,490 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $259,000 | 2,304 |
| Total noninterest expense | $1,869,000 | 2,458 |
| Salaries and employee benefits | $991,000 | 2,549 |
| Premises and equipment expense | $390,000 | 1,520 |
| Additional noninterest expense | $488,000 | 2,840 |
| Pre-tax net operating income | $357,000 | 3,588 |
| Securities gains (losses) | $-2,000 | 6,101 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $355,000 | 3,351 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $355,000 | 3,354 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $355,000 | 3,354 |
| Net charge-offs | $169,000 | 818 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $357,000 | 3,256 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,324,000 | 2,559 |
| Total interest expense | $1,632,000 | 1,751 |
| Net interest income | $7,692,000 | 2,714 |
| Provision for loan and lease losses | $50,000 | 3,764 |
| Total noninterest income | $1,148,000 | 2,901 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $859,000 | 1,485 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $289,000 | 4,060 |
| Total noninterest expense | $8,035,000 | 2,314 |
| Salaries and employee benefits | $3,948,000 | 2,528 |
| Premises and equipment expense | $1,569,000 | 1,511 |
| Additional noninterest expense | $2,518,000 | 2,404 |
| Pre-tax net operating income | $755,000 | 4,562 |
| Securities gains (losses) | $-21,000 | 6,139 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $734,000 | 4,420 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $734,000 | 4,420 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $734,000 | 4,421 |
| Net charge-offs | $180,000 | 2,581 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $755,000 | 4,337 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,073,000 | 2,555 |
| Total interest expense | $1,263,000 | 1,734 |
| Net interest income | $5,810,000 | 2,715 |
| Provision for loan and lease losses | $50,000 | 3,379 |
| Total noninterest income | $955,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $658,000 | 1,468 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $297,000 | 3,658 |
| Total noninterest expense | $6,034,000 | 2,316 |
| Salaries and employee benefits | $2,978,000 | 2,508 |
| Premises and equipment expense | $1,197,000 | 1,491 |
| Additional noninterest expense | $1,859,000 | 2,416 |
| Pre-tax net operating income | $681,000 | 4,412 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $681,000 | 4,178 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $681,000 | 4,179 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $681,000 | 4,179 |
| Net charge-offs | $16,000 | 3,939 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $681,000 | 4,126 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 2,553 |
| Total interest expense | $859,000 | 1,725 |
| Net interest income | $3,849,000 | 2,729 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $719,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $434,000 | 1,462 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $285,000 | 3,110 |
| Total noninterest expense | $4,046,000 | 2,315 |
| Salaries and employee benefits | $2,010,000 | 2,497 |
| Premises and equipment expense | $789,000 | 1,513 |
| Additional noninterest expense | $1,247,000 | 2,404 |
| Pre-tax net operating income | $522,000 | 4,109 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $522,000 | 3,869 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $522,000 | 3,874 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $522,000 | 3,875 |
| Net charge-offs | $56,000 | 2,694 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $522,000 | 3,823 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,317,000 | 2,584 |
| Total interest expense | $446,000 | 1,691 |
| Net interest income | $1,871,000 | 2,787 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $309,000 | 2,759 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $206,000 | 1,512 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $103,000 | 3,518 |
| Total noninterest expense | $2,008,000 | 2,329 |
| Salaries and employee benefits | $1,005,000 | 2,496 |
| Premises and equipment expense | $394,000 | 1,542 |
| Additional noninterest expense | $609,000 | 2,454 |
| Pre-tax net operating income | $172,000 | 4,695 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $172,000 | 4,485 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $172,000 | 4,488 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $172,000 | 4,488 |
| Net charge-offs | $-44,000 | 6,277 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $172,000 | 4,434 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,338,000 | 2,586 |
| Total interest expense | $2,593,000 | 1,298 |
| Net interest income | $6,745,000 | 2,987 |
| Provision for loan and lease losses | $210,000 | 2,896 |
| Total noninterest income | $1,666,000 | 2,420 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $909,000 | 1,481 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $757,000 | 2,747 |
| Total noninterest expense | $8,331,000 | 2,266 |
| Salaries and employee benefits | $4,119,000 | 2,412 |
| Premises and equipment expense | $1,602,000 | 1,486 |
| Additional noninterest expense | $2,610,000 | 2,364 |
| Pre-tax net operating income | $-130,000 | 6,320 |
| Securities gains (losses) | $253,000 | 776 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $123,000 | 5,928 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $123,000 | 5,930 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $123,000 | 5,931 |
| Net charge-offs | $507,000 | 2,004 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-130,000 | 6,335 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,910,000 | 2,640 |
| Total interest expense | $2,044,000 | 1,279 |
| Net interest income | $4,866,000 | 3,102 |
| Provision for loan and lease losses | $180,000 | 2,702 |
| Total noninterest income | $1,340,000 | 2,363 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $684,000 | 1,487 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $656,000 | 2,600 |
| Total noninterest expense | $6,278,000 | 2,255 |
| Salaries and employee benefits | $3,112,000 | 2,413 |
| Premises and equipment expense | $1,212,000 | 1,488 |
| Additional noninterest expense | $1,954,000 | 2,352 |
| Pre-tax net operating income | $-252,000 | 6,518 |
| Securities gains (losses) | $226,000 | 767 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-26,000 | 6,384 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-26,000 | 6,386 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-26,000 | 6,385 |
| Net charge-offs | $432,000 | 1,751 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-252,000 | 6,531 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,522,000 | 2,681 |
| Total interest expense | $1,387,000 | 1,287 |
| Net interest income | $3,135,000 | 3,176 |
| Provision for loan and lease losses | $150,000 | 2,434 |
| Total noninterest income | $922,000 | 2,335 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $447,000 | 1,487 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $475,000 | 2,546 |
| Total noninterest expense | $4,170,000 | 2,273 |
| Salaries and employee benefits | $2,086,000 | 2,414 |
| Premises and equipment expense | $800,000 | 1,502 |
| Additional noninterest expense | $1,284,000 | 2,380 |
| Pre-tax net operating income | $-263,000 | 6,589 |
| Securities gains (losses) | $226,000 | 685 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-37,000 | 6,444 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-37,000 | 6,446 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-37,000 | 6,446 |
| Net charge-offs | $289,000 | 1,731 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-263,000 | 6,609 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,244,000 | 2,714 |
| Total interest expense | $702,000 | 1,319 |
| Net interest income | $1,542,000 | 3,227 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $463,000 | 2,337 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $222,000 | 1,480 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $241,000 | 2,517 |
| Total noninterest expense | $2,024,000 | 2,339 |
| Salaries and employee benefits | $1,058,000 | 2,395 |
| Premises and equipment expense | $392,000 | 1,552 |
| Additional noninterest expense | $574,000 | 2,654 |
| Pre-tax net operating income | $-169,000 | 6,693 |
| Securities gains (losses) | $179,000 | 500 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $10,000 | 6,322 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $10,000 | 6,323 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $10,000 | 6,323 |
| Net charge-offs | $193,000 | 1,387 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-169,000 | 6,703 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,025,000 | 2,563 |
| Total interest expense | $3,337,000 | 1,337 |
| Net interest income | $6,688,000 | 3,101 |
| Provision for loan and lease losses | $875,000 | 1,938 |
| Total noninterest income | $1,827,000 | 2,327 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $974,000 | 1,450 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $853,000 | 2,588 |
| Total noninterest expense | $8,791,000 | 2,164 |
| Salaries and employee benefits | $4,287,000 | 2,298 |
| Premises and equipment expense | $1,780,000 | 1,330 |
| Additional noninterest expense | $2,724,000 | 2,386 |
| Pre-tax net operating income | $-1,151,000 | 6,696 |
| Securities gains (losses) | $664,000 | 767 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-487,000 | 6,578 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-487,000 | 6,572 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-487,000 | 6,574 |
| Net charge-offs | $1,382,000 | 1,471 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 6,989 |
| Net operating income | $-1,151,000 | 6,708 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,685,000 | 2,563 |
| Total interest expense | $2,568,000 | 1,358 |
| Net interest income | $5,117,000 | 3,092 |
| Provision for loan and lease losses | $370,000 | 2,694 |
| Total noninterest income | $1,371,000 | 2,316 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $711,000 | 1,491 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $660,000 | 2,542 |
| Total noninterest expense | $6,639,000 | 2,164 |
| Salaries and employee benefits | $3,298,000 | 2,252 |
| Premises and equipment expense | $1,304,000 | 1,378 |
| Additional noninterest expense | $2,037,000 | 2,374 |
| Pre-tax net operating income | $-521,000 | 6,698 |
| Securities gains (losses) | $472,000 | 779 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-49,000 | 6,485 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-49,000 | 6,482 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-49,000 | 6,482 |
| Net charge-offs | $681,000 | 1,841 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 7,097 |
| Net operating income | $-521,000 | 6,708 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,305,000 | 2,489 |
| Total interest expense | $1,751,000 | 1,387 |
| Net interest income | $3,554,000 | 3,008 |
| Provision for loan and lease losses | $210,000 | 2,897 |
| Total noninterest income | $885,000 | 2,342 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $460,000 | 1,520 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $425,000 | 2,564 |
| Total noninterest expense | $4,446,000 | 2,168 |
| Salaries and employee benefits | $2,236,000 | 2,226 |
| Premises and equipment expense | $852,000 | 1,394 |
| Additional noninterest expense | $1,358,000 | 2,392 |
| Pre-tax net operating income | $-217,000 | 6,642 |
| Securities gains (losses) | $121,000 | 1,458 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-96,000 | 6,627 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-96,000 | 6,627 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-96,000 | 6,627 |
| Net charge-offs | $405,000 | 1,992 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 7,174 |
| Net operating income | $-217,000 | 6,658 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,706,000 | 2,476 |
| Total interest expense | $898,000 | 1,405 |
| Net interest income | $1,808,000 | 2,968 |
| Provision for loan and lease losses | $180,000 | 2,114 |
| Total noninterest income | $450,000 | 2,318 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $221,000 | 1,562 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $229,000 | 2,452 |
| Total noninterest expense | $2,192,000 | 2,177 |
| Salaries and employee benefits | $1,118,000 | 2,231 |
| Premises and equipment expense | $423,000 | 1,414 |
| Additional noninterest expense | $651,000 | 2,454 |
| Pre-tax net operating income | $-114,000 | 6,757 |
| Securities gains (losses) | $1,000 | 2,095 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-113,000 | 6,821 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-113,000 | 6,822 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-113,000 | 6,822 |
| Net charge-offs | $264,000 | 1,602 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 7,254 |
| Net operating income | $-114,000 | 6,762 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,778,000 | 2,358 |
| Total interest expense | $4,070,000 | 1,492 |
| Net interest income | $7,708,000 | 2,831 |
| Provision for loan and lease losses | $1,210,000 | 2,142 |
| Total noninterest income | $1,939,000 | 2,052 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,026,000 | 1,447 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $913,000 | 2,266 |
| Total noninterest expense | $9,083,000 | 2,101 |
| Salaries and employee benefits | $4,717,000 | 2,057 |
| Premises and equipment expense | $1,686,000 | 1,475 |
| Additional noninterest expense | $2,680,000 | 2,453 |
| Pre-tax net operating income | $-646,000 | 6,467 |
| Securities gains (losses) | $156,000 | 1,671 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-490,000 | 6,471 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-490,000 | 6,473 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-490,000 | 6,472 |
| Net charge-offs | $1,564,000 | 1,818 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 862 |
| Net operating income | $-646,000 | 6,502 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,033,000 | 2,334 |
| Total interest expense | $3,131,000 | 1,505 |
| Net interest income | $5,902,000 | 2,788 |
| Provision for loan and lease losses | $640,000 | 2,560 |
| Total noninterest income | $1,488,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $774,000 | 1,446 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $714,000 | 2,194 |
| Total noninterest expense | $6,833,000 | 2,098 |
| Salaries and employee benefits | $3,545,000 | 2,033 |
| Premises and equipment expense | $1,308,000 | 1,445 |
| Additional noninterest expense | $1,980,000 | 2,487 |
| Pre-tax net operating income | $-83,000 | 6,271 |
| Securities gains (losses) | $155,000 | 1,405 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $72,000 | 6,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 6,004 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $72,000 | 6,004 |
| Net charge-offs | $994,000 | 1,898 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 811 |
| Net operating income | $-83,000 | 6,300 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,075,000 | 2,345 |
| Total interest expense | $2,156,000 | 1,520 |
| Net interest income | $3,919,000 | 2,793 |
| Provision for loan and lease losses | $400,000 | 2,592 |
| Total noninterest income | $984,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $506,000 | 1,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $478,000 | 2,169 |
| Total noninterest expense | $4,621,000 | 2,090 |
| Salaries and employee benefits | $2,371,000 | 2,055 |
| Premises and equipment expense | $860,000 | 1,469 |
| Additional noninterest expense | $1,390,000 | 2,412 |
| Pre-tax net operating income | $-118,000 | 6,457 |
| Securities gains (losses) | $1,000 | 2,791 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-117,000 | 6,527 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-117,000 | 6,527 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-117,000 | 6,527 |
| Net charge-offs | $597,000 | 1,957 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 752 |
| Net operating income | $-118,000 | 6,494 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 2,320 |
| Total interest expense | $1,099,000 | 1,547 |
| Net interest income | $1,989,000 | 2,748 |
| Provision for loan and lease losses | $260,000 | 2,135 |
| Total noninterest income | $442,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $250,000 | 1,429 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $192,000 | 2,528 |
| Total noninterest expense | $2,261,000 | 2,131 |
| Salaries and employee benefits | $1,199,000 | 2,039 |
| Premises and equipment expense | $422,000 | 1,524 |
| Additional noninterest expense | $640,000 | 2,588 |
| Pre-tax net operating income | $-90,000 | 6,665 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-90,000 | 6,696 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-90,000 | 6,696 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-90,000 | 6,696 |
| Net charge-offs | $402,000 | 1,521 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 709 |
| Net operating income | $-90,000 | 6,687 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,646,000 | 2,216 |
| Total interest expense | $5,740,000 | 1,450 |
| Net interest income | $7,906,000 | 2,754 |
| Provision for loan and lease losses | $8,372,000 | 778 |
| Total noninterest income | $2,479,000 | 1,771 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,267,000 | 1,185 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,212,000 | 1,945 |
| Total noninterest expense | $8,930,000 | 2,175 |
| Salaries and employee benefits | $4,637,000 | 2,083 |
| Premises and equipment expense | $1,615,000 | 1,584 |
| Additional noninterest expense | $2,678,000 | 2,521 |
| Pre-tax net operating income | $-6,917,000 | 7,226 |
| Securities gains (losses) | $38,000 | 2,818 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,879,000 | 7,276 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,879,000 | 7,276 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,879,000 | 7,276 |
| Net charge-offs | $6,779,000 | 808 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,009 |
| Net operating income | $-6,917,000 | 7,262 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,341,000 | 2,243 |
| Total interest expense | $4,460,000 | 1,450 |
| Net interest income | $5,881,000 | 2,808 |
| Provision for loan and lease losses | $6,550,000 | 707 |
| Total noninterest income | $1,870,000 | 1,785 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $971,000 | 1,204 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $899,000 | 1,933 |
| Total noninterest expense | $6,410,000 | 2,263 |
| Salaries and employee benefits | $3,481,000 | 2,075 |
| Premises and equipment expense | $1,221,000 | 1,591 |
| Additional noninterest expense | $1,708,000 | 2,838 |
| Pre-tax net operating income | $-5,209,000 | 7,377 |
| Securities gains (losses) | $38,000 | 2,592 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,171,000 | 7,431 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,171,000 | 7,431 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,171,000 | 7,431 |
| Net charge-offs | $5,757,000 | 706 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 951 |
| Net operating income | $-5,209,000 | 7,416 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,926,000 | 2,261 |
| Total interest expense | $3,047,000 | 1,471 |
| Net interest income | $3,879,000 | 2,837 |
| Provision for loan and lease losses | $2,750,000 | 1,005 |
| Total noninterest income | $1,249,000 | 1,722 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $658,000 | 1,184 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $591,000 | 1,879 |
| Total noninterest expense | $4,236,000 | 2,283 |
| Salaries and employee benefits | $2,297,000 | 2,118 |
| Premises and equipment expense | $792,000 | 1,660 |
| Additional noninterest expense | $1,147,000 | 2,820 |
| Pre-tax net operating income | $-1,858,000 | 7,236 |
| Securities gains (losses) | $38,000 | 2,052 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,820,000 | 7,308 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,820,000 | 7,308 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,820,000 | 7,308 |
| Net charge-offs | $2,288,000 | 1,028 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 882 |
| Net operating income | $-1,858,000 | 7,298 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,441,000 | 2,331 |
| Total interest expense | $1,533,000 | 1,539 |
| Net interest income | $1,908,000 | 2,915 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $617,000 | 1,749 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $310,000 | 1,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $307,000 | 1,813 |
| Total noninterest expense | $2,050,000 | 2,389 |
| Salaries and employee benefits | $1,159,000 | 2,129 |
| Premises and equipment expense | $395,000 | 1,713 |
| Additional noninterest expense | $496,000 | 3,209 |
| Pre-tax net operating income | $175,000 | 4,307 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $175,000 | 4,124 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $175,000 | 4,123 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $175,000 | 4,123 |
| Net charge-offs | $133,000 | 2,851 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 825 |
| Net operating income | $175,000 | 4,022 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,955,000 | 2,386 |
| Total interest expense | $6,240,000 | 1,868 |
| Net interest income | $7,715,000 | 2,816 |
| Provision for loan and lease losses | $1,903,000 | 2,545 |
| Total noninterest income | $2,522,000 | 1,821 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,351,000 | 1,276 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,171,000 | 1,941 |
| Total noninterest expense | $8,226,000 | 2,406 |
| Salaries and employee benefits | $4,471,000 | 2,199 |
| Premises and equipment expense | $1,527,000 | 1,767 |
| Additional noninterest expense | $2,228,000 | 3,044 |
| Pre-tax net operating income | $108,000 | 5,063 |
| Securities gains (losses) | $296,000 | 1,256 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $404,000 | 4,160 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $404,000 | 4,159 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $404,000 | 4,159 |
| Net charge-offs | $1,348,000 | 2,505 |
| Cash dividends | $1,350,000 | 1,300 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,115 |
| Net operating income | $108,000 | 5,063 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,382,000 | 2,443 |
| Total interest expense | $4,707,000 | 1,929 |
| Net interest income | $5,675,000 | 2,866 |
| Provision for loan and lease losses | $1,033,000 | 2,736 |
| Total noninterest income | $1,865,000 | 1,872 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $992,000 | 1,295 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $873,000 | 2,007 |
| Total noninterest expense | $6,076,000 | 2,434 |
| Salaries and employee benefits | $3,334,000 | 2,226 |
| Premises and equipment expense | $1,143,000 | 1,786 |
| Additional noninterest expense | $1,599,000 | 3,119 |
| Pre-tax net operating income | $431,000 | 4,090 |
| Securities gains (losses) | $261,000 | 1,111 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $692,000 | 3,147 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $692,000 | 3,146 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $692,000 | 3,148 |
| Net charge-offs | $357,000 | 3,482 |
| Cash dividends | $1,350,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,039 |
| Net operating income | $431,000 | 3,837 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,876,000 | 2,505 |
| Total interest expense | $3,153,000 | 2,016 |
| Net interest income | $3,723,000 | 2,891 |
| Provision for loan and lease losses | $523,000 | 2,916 |
| Total noninterest income | $1,212,000 | 1,899 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $636,000 | 1,332 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $576,000 | 2,040 |
| Total noninterest expense | $3,979,000 | 2,512 |
| Salaries and employee benefits | $2,217,000 | 2,280 |
| Premises and equipment expense | $718,000 | 1,915 |
| Additional noninterest expense | $1,044,000 | 3,185 |
| Pre-tax net operating income | $433,000 | 3,545 |
| Securities gains (losses) | $94,000 | 1,540 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $527,000 | 2,995 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $527,000 | 2,993 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $527,000 | 2,994 |
| Net charge-offs | $299,000 | 2,930 |
| Cash dividends | $1,350,000 | 679 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,009 |
| Net operating income | $433,000 | 3,235 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 2,544 |
| Total interest expense | $1,562,000 | 2,097 |
| Net interest income | $1,855,000 | 2,897 |
| Provision for loan and lease losses | $94,000 | 4,003 |
| Total noninterest income | $592,000 | 1,899 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $312,000 | 1,321 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $280,000 | 2,041 |
| Total noninterest expense | $1,914,000 | 2,527 |
| Salaries and employee benefits | $1,123,000 | 2,273 |
| Premises and equipment expense | $351,000 | 1,997 |
| Additional noninterest expense | $440,000 | 3,325 |
| Pre-tax net operating income | $439,000 | 2,621 |
| Securities gains (losses) | $8,000 | 1,969 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $447,000 | 2,340 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $447,000 | 2,340 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $447,000 | 2,342 |
| Net charge-offs | $-3,000 | 7,537 |
| Cash dividends | $1,350,000 | 326 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 897 |
| Net operating income | $439,000 | 2,244 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,353,000 | 2,409 |
| Total interest expense | $6,751,000 | 2,272 |
| Net interest income | $8,602,000 | 2,515 |
| Provision for loan and lease losses | $310,000 | 4,571 |
| Total noninterest income | $2,756,000 | 1,687 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,479,000 | 1,220 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,277,000 | 1,802 |
| Total noninterest expense | $7,922,000 | 2,395 |
| Salaries and employee benefits | $4,698,000 | 2,161 |
| Premises and equipment expense | $1,386,000 | 1,967 |
| Additional noninterest expense | $1,838,000 | 3,088 |
| Pre-tax net operating income | $3,126,000 | 1,731 |
| Securities gains (losses) | $208,000 | 702 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $3,334,000 | 1,248 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,334,000 | 1,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 4,233 |
| Cash dividends | $2,200,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,185 |
| Net operating income | $3,126,000 | 1,404 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,815,000 | 2,413 |
| Total interest expense | $5,165,000 | 2,308 |
| Net interest income | $6,650,000 | 2,479 |
| Provision for loan and lease losses | $190,000 | 4,286 |
| Total noninterest income | $2,064,000 | 1,737 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,120,000 | 1,208 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $944,000 | 1,902 |
| Total noninterest expense | $5,892,000 | 2,407 |
| Salaries and employee benefits | $3,495,000 | 2,209 |
| Premises and equipment expense | $1,043,000 | 1,960 |
| Additional noninterest expense | $1,354,000 | 3,022 |
| Pre-tax net operating income | $2,632,000 | 1,845 |
| Securities gains (losses) | $165,000 | 700 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $2,797,000 | 1,330 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,797,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,887 |
| Cash dividends | $2,200,000 | 938 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,047 |
| Net operating income | $2,632,000 | 1,482 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,064,000 | 2,405 |
| Total interest expense | $3,522,000 | 2,358 |
| Net interest income | $4,542,000 | 2,405 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $1,389,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $731,000 | 1,214 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $658,000 | 1,868 |
| Total noninterest expense | $3,911,000 | 2,419 |
| Salaries and employee benefits | $2,313,000 | 2,247 |
| Premises and equipment expense | $682,000 | 1,987 |
| Additional noninterest expense | $916,000 | 2,969 |
| Pre-tax net operating income | $1,960,000 | 1,718 |
| Securities gains (losses) | $57,000 | 1,350 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $2,017,000 | 1,375 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,017,000 | 1,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,014 |
| Cash dividends | $2,200,000 | 730 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 970 |
| Net operating income | $1,960,000 | 1,388 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,159,000 | 2,403 |
| Total interest expense | $1,871,000 | 2,377 |
| Net interest income | $2,288,000 | 2,396 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $714,000 | 1,719 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $360,000 | 1,224 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $354,000 | 1,766 |
| Total noninterest expense | $1,923,000 | 2,453 |
| Salaries and employee benefits | $1,151,000 | 2,286 |
| Premises and equipment expense | $337,000 | 2,018 |
| Additional noninterest expense | $435,000 | 3,060 |
| Pre-tax net operating income | $1,049,000 | 1,711 |
| Securities gains (losses) | $-15,000 | 8,350 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $1,034,000 | 1,454 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,034,000 | 1,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $2,200,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 838 |
| Net operating income | $1,049,000 | 1,384 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,161,000 | 2,402 |
| Total interest expense | $8,417,000 | 2,230 |
| Net interest income | $8,744,000 | 2,523 |
| Provision for loan and lease losses | $263,000 | 3,416 |
| Total noninterest income | $2,962,000 | 1,661 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,496,000 | 1,184 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,466,000 | 1,695 |
| Total noninterest expense | $7,585,000 | 2,405 |
| Salaries and employee benefits | $4,438,000 | 2,266 |
| Premises and equipment expense | $1,320,000 | 1,985 |
| Additional noninterest expense | $1,827,000 | 2,889 |
| Pre-tax net operating income | $3,858,000 | 2,042 |
| Securities gains (losses) | $37,000 | 900 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $3,895,000 | 1,638 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,895,000 | 1,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 2,410 |
| Cash dividends | $1,000,000 | 2,600 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 1,106 |
| Net operating income | $3,858,000 | 1,636 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,826,000 | 2,413 |
| Total interest expense | $6,304,000 | 2,233 |
| Net interest income | $6,522,000 | 2,550 |
| Provision for loan and lease losses | $228,000 | 2,772 |
| Total noninterest income | $2,204,000 | 1,671 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,081,000 | 1,216 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,123,000 | 1,673 |
| Total noninterest expense | $5,637,000 | 2,402 |
| Salaries and employee benefits | $3,305,000 | 2,277 |
| Premises and equipment expense | $987,000 | 1,959 |
| Additional noninterest expense | $1,345,000 | 2,887 |
| Pre-tax net operating income | $2,861,000 | 2,194 |
| Securities gains (losses) | $27,000 | 758 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $2,888,000 | 1,752 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,888,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,636 |
| Cash dividends | $1,000,000 | 1,979 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 990 |
| Net operating income | $2,861,000 | 1,754 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,436,000 | 2,458 |
| Total interest expense | $4,132,000 | 2,271 |
| Net interest income | $4,304,000 | 2,597 |
| Provision for loan and lease losses | $228,000 | 1,972 |
| Total noninterest income | $1,420,000 | 1,738 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $682,000 | 1,296 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $738,000 | 1,703 |
| Total noninterest expense | $3,692,000 | 2,468 |
| Salaries and employee benefits | $2,169,000 | 2,347 |
| Premises and equipment expense | $649,000 | 2,001 |
| Additional noninterest expense | $874,000 | 2,953 |
| Pre-tax net operating income | $1,804,000 | 2,337 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,804,000 | 1,915 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,804,000 | 1,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 1,109 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 921 |
| Net operating income | $1,804,000 | 1,893 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,038,000 | 2,542 |
| Total interest expense | $1,942,000 | 2,375 |
| Net interest income | $2,096,000 | 2,652 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $699,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $307,000 | 1,394 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $392,000 | 1,611 |
| Total noninterest expense | $1,863,000 | 2,454 |
| Salaries and employee benefits | $1,089,000 | 2,359 |
| Premises and equipment expense | $313,000 | 2,079 |
| Additional noninterest expense | $461,000 | 2,787 |
| Pre-tax net operating income | $842,000 | 2,483 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $842,000 | 1,971 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $842,000 | 1,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 779 |
| Net operating income | $842,000 | 1,964 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,880,000 | 2,711 |
| Total interest expense | $6,021,000 | 2,584 |
| Net interest income | $7,859,000 | 2,798 |
| Provision for loan and lease losses | $575,000 | 1,694 |
| Total noninterest income | $2,785,000 | 1,733 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,329,000 | 1,348 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,456,000 | 1,710 |
| Total noninterest expense | $7,010,000 | 2,506 |
| Salaries and employee benefits | $4,050,000 | 2,422 |
| Premises and equipment expense | $1,260,000 | 1,992 |
| Additional noninterest expense | $1,700,000 | 2,970 |
| Pre-tax net operating income | $3,059,000 | 2,741 |
| Securities gains (losses) | $6,000 | 1,217 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $3,065,000 | 2,242 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,065,000 | 2,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,511 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,059,000 | 2,230 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,120,000 | 2,767 |
| Total interest expense | $4,297,000 | 2,621 |
| Net interest income | $5,823,000 | 2,849 |
| Provision for loan and lease losses | $353,000 | 1,893 |
| Total noninterest income | $2,066,000 | 1,762 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $979,000 | 1,364 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,087,000 | 1,717 |
| Total noninterest expense | $5,156,000 | 2,552 |
| Salaries and employee benefits | $2,981,000 | 2,452 |
| Premises and equipment expense | $938,000 | 2,015 |
| Additional noninterest expense | $1,237,000 | 3,037 |
| Pre-tax net operating income | $2,380,000 | 2,766 |
| Securities gains (losses) | $6,000 | 998 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,386,000 | 2,232 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,386,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,687 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,380,000 | 2,229 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,457,000 | 2,843 |
| Total interest expense | $2,636,000 | 2,698 |
| Net interest income | $3,821,000 | 2,901 |
| Provision for loan and lease losses | $278,000 | 1,616 |
| Total noninterest income | $1,404,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $640,000 | 1,383 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $764,000 | 1,640 |
| Total noninterest expense | $3,391,000 | 2,596 |
| Salaries and employee benefits | $1,968,000 | 2,471 |
| Premises and equipment expense | $612,000 | 2,048 |
| Additional noninterest expense | $811,000 | 3,097 |
| Pre-tax net operating income | $1,556,000 | 2,809 |
| Securities gains (losses) | $6,000 | 812 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,562,000 | 2,270 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,562,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,609 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,556,000 | 2,257 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,064,000 | 2,915 |
| Total interest expense | $1,211,000 | 2,775 |
| Net interest income | $1,853,000 | 2,975 |
| Provision for loan and lease losses | $210,000 | 1,096 |
| Total noninterest income | $659,000 | 1,787 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $319,000 | 1,353 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $340,000 | 1,768 |
| Total noninterest expense | $1,678,000 | 2,621 |
| Salaries and employee benefits | $964,000 | 2,531 |
| Premises and equipment expense | $300,000 | 2,103 |
| Additional noninterest expense | $414,000 | 3,022 |
| Pre-tax net operating income | $624,000 | 3,223 |
| Securities gains (losses) | $6,000 | 667 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $630,000 | 2,640 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $630,000 | 2,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $624,000 | 2,646 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,715,000 | 3,223 |
| Total interest expense | $3,411,000 | 3,002 |
| Net interest income | $6,304,000 | 3,298 |
| Provision for loan and lease losses | $422,000 | 2,176 |
| Total noninterest income | $2,766,000 | 1,722 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,264,000 | 1,386 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,502,000 | 1,655 |
| Total noninterest expense | $6,543,000 | 2,535 |
| Salaries and employee benefits | $3,755,000 | 2,430 |
| Premises and equipment expense | $1,223,000 | 1,964 |
| Additional noninterest expense | $1,565,000 | 3,123 |
| Pre-tax net operating income | $2,105,000 | 3,563 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $2,104,000 | 2,967 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,104,000 | 2,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,884 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,105,000 | 2,933 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,859,000 | 3,323 |
| Total interest expense | $2,335,000 | 3,091 |
| Net interest income | $4,524,000 | 3,396 |
| Provision for loan and lease losses | $186,000 | 3,074 |
| Total noninterest income | $2,117,000 | 1,706 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $940,000 | 1,379 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,177,000 | 1,605 |
| Total noninterest expense | $4,884,000 | 2,526 |
| Salaries and employee benefits | $2,794,000 | 2,409 |
| Premises and equipment expense | $897,000 | 1,995 |
| Additional noninterest expense | $1,193,000 | 3,055 |
| Pre-tax net operating income | $1,571,000 | 3,619 |
| Securities gains (losses) | $-8,000 | 7,835 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,563,000 | 3,029 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,563,000 | 3,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,571,000 | 2,984 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,258,000 | 3,452 |
| Total interest expense | $1,411,000 | 3,209 |
| Net interest income | $2,847,000 | 3,553 |
| Provision for loan and lease losses | $72,000 | 3,910 |
| Total noninterest income | $1,337,000 | 1,768 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $591,000 | 1,432 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $746,000 | 1,665 |
| Total noninterest expense | $3,170,000 | 2,569 |
| Salaries and employee benefits | $1,800,000 | 2,480 |
| Premises and equipment expense | $593,000 | 2,001 |
| Additional noninterest expense | $777,000 | 3,095 |
| Pre-tax net operating income | $942,000 | 3,874 |
| Securities gains (losses) | $-8,000 | 8,078 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $934,000 | 3,253 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $934,000 | 3,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $942,000 | 3,193 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,992,000 | 3,610 |
| Total interest expense | $634,000 | 3,365 |
| Net interest income | $1,358,000 | 3,700 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $643,000 | 1,777 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $284,000 | 1,448 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $359,000 | 1,675 |
| Total noninterest expense | $1,539,000 | 2,643 |
| Salaries and employee benefits | $876,000 | 2,557 |
| Premises and equipment expense | $295,000 | 2,032 |
| Additional noninterest expense | $368,000 | 3,238 |
| Pre-tax net operating income | $426,000 | 4,098 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $426,000 | 3,462 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $426,000 | 3,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $426,000 | 3,427 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,934,000 | 3,834 |
| Total interest expense | $2,150,000 | 3,439 |
| Net interest income | $4,784,000 | 3,936 |
| Provision for loan and lease losses | $360,000 | 2,548 |
| Total noninterest income | $2,801,000 | 1,706 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,284,000 | 1,378 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,517,000 | 1,627 |
| Total noninterest expense | $6,098,000 | 2,588 |
| Salaries and employee benefits | $3,454,000 | 2,521 |
| Premises and equipment expense | $1,183,000 | 1,941 |
| Additional noninterest expense | $1,461,000 | 3,193 |
| Pre-tax net operating income | $1,127,000 | 4,945 |
| Securities gains (losses) | $-43,000 | 8,560 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,084,000 | 4,479 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,084,000 | 4,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,686 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 470 |
| Net operating income | $1,127,000 | 4,296 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,045,000 | 3,912 |
| Total interest expense | $1,543,000 | 3,527 |
| Net interest income | $3,502,000 | 4,002 |
| Provision for loan and lease losses | $324,000 | 2,127 |
| Total noninterest income | $2,129,000 | 1,692 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $967,000 | 1,384 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,162,000 | 1,593 |
| Total noninterest expense | $4,522,000 | 2,591 |
| Salaries and employee benefits | $2,573,000 | 2,506 |
| Premises and equipment expense | $863,000 | 2,003 |
| Additional noninterest expense | $1,086,000 | 3,185 |
| Pre-tax net operating income | $785,000 | 5,235 |
| Securities gains (losses) | $-43,000 | 8,787 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $742,000 | 4,810 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $742,000 | 4,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,961 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 363 |
| Net operating income | $785,000 | 4,590 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 3,989 |
| Total interest expense | $1,001,000 | 3,595 |
| Net interest income | $2,276,000 | 4,088 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $1,421,000 | 1,679 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $642,000 | 1,379 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $779,000 | 1,572 |
| Total noninterest expense | $2,949,000 | 2,658 |
| Salaries and employee benefits | $1,682,000 | 2,556 |
| Premises and equipment expense | $569,000 | 2,019 |
| Additional noninterest expense | $698,000 | 3,316 |
| Pre-tax net operating income | $648,000 | 4,641 |
| Securities gains (losses) | $-43,000 | 8,894 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $605,000 | 4,229 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $605,000 | 4,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,335 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 258 |
| Net operating income | $648,000 | 3,951 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,596,000 | 4,076 |
| Total interest expense | $502,000 | 3,630 |
| Net interest income | $1,094,000 | 4,194 |
| Provision for loan and lease losses | $39,000 | 3,783 |
| Total noninterest income | $732,000 | 1,607 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $312,000 | 1,375 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $420,000 | 1,481 |
| Total noninterest expense | $1,473,000 | 2,675 |
| Salaries and employee benefits | $854,000 | 2,536 |
| Premises and equipment expense | $283,000 | 2,045 |
| Additional noninterest expense | $336,000 | 3,408 |
| Pre-tax net operating income | $314,000 | 4,714 |
| Securities gains (losses) | $-43,000 | 9,024 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $271,000 | 4,549 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $271,000 | 4,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,505 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 149 |
| Net operating income | $314,000 | 4,017 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,155,000 | 4,233 |
| Total interest expense | $2,040,000 | 3,969 |
| Net interest income | $4,115,000 | 4,281 |
| Provision for loan and lease losses | $171,000 | 4,356 |
| Total noninterest income | $2,847,000 | 1,764 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,090,000 | 1,575 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,757,000 | 1,611 |
| Total noninterest expense | $6,042,000 | 2,585 |
| Salaries and employee benefits | $3,530,000 | 2,387 |
| Premises and equipment expense | $1,122,000 | 2,037 |
| Additional noninterest expense | $1,390,000 | 3,299 |
| Pre-tax net operating income | $749,000 | 5,852 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $752,000 | 5,389 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $752,000 | 5,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $749,000 | 5,257 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 4,279 |
| Total interest expense | $1,542,000 | 4,049 |
| Net interest income | $3,078,000 | 4,309 |
| Provision for loan and lease losses | $141,000 | 4,009 |
| Total noninterest income | $2,180,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $774,000 | 1,667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,406,000 | 1,598 |
| Total noninterest expense | $4,564,000 | 2,580 |
| Salaries and employee benefits | $2,693,000 | 2,358 |
| Premises and equipment expense | $824,000 | 2,090 |
| Additional noninterest expense | $1,047,000 | 3,259 |
| Pre-tax net operating income | $553,000 | 6,060 |
| Securities gains (losses) | $3,000 | 3,777 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $556,000 | 5,588 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $556,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $553,000 | 5,413 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,110,000 | 4,292 |
| Total interest expense | $1,067,000 | 4,044 |
| Net interest income | $2,043,000 | 4,331 |
| Provision for loan and lease losses | $111,000 | 3,686 |
| Total noninterest income | $1,436,000 | 1,778 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $494,000 | 1,716 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $942,000 | 1,583 |
| Total noninterest expense | $2,966,000 | 2,628 |
| Salaries and employee benefits | $1,732,000 | 2,430 |
| Premises and equipment expense | $531,000 | 2,139 |
| Additional noninterest expense | $703,000 | 3,225 |
| Pre-tax net operating income | $402,000 | 5,842 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $402,000 | 5,391 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $402,000 | 5,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $402,000 | 5,184 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,578,000 | 4,273 |
| Total interest expense | $548,000 | 4,062 |
| Net interest income | $1,030,000 | 4,302 |
| Provision for loan and lease losses | $54,000 | 3,580 |
| Total noninterest income | $728,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $241,000 | 1,696 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $487,000 | 1,510 |
| Total noninterest expense | $1,464,000 | 2,647 |
| Salaries and employee benefits | $843,000 | 2,501 |
| Premises and equipment expense | $253,000 | 2,231 |
| Additional noninterest expense | $368,000 | 3,059 |
| Pre-tax net operating income | $240,000 | 5,389 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $240,000 | 4,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $240,000 | 4,627 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,071,000 | 4,515 |
| Total interest expense | $2,569,000 | 4,016 |
| Net interest income | $3,502,000 | 4,749 |
| Provision for loan and lease losses | $319,000 | 3,311 |
| Total noninterest income | $2,249,000 | 1,931 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $900,000 | 1,790 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,349,000 | 1,794 |
| Total noninterest expense | $5,154,000 | 2,850 |
| Salaries and employee benefits | $2,897,000 | 2,717 |
| Premises and equipment expense | $960,000 | 2,276 |
| Additional noninterest expense | $1,297,000 | 3,382 |
| Pre-tax net operating income | $278,000 | 7,633 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $310,000 | 7,272 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $310,000 | 7,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,793 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $956,000 | 398 |
| Net operating income | $278,000 | 7,328 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,298,000 | 5,423 |
| Total interest expense | $2,751,000 | 5,055 |
| Net interest income | $2,547,000 | 5,656 |
| Provision for loan and lease losses | $193,000 | 4,225 |
| Total noninterest income | $1,627,000 | 2,350 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $673,000 | 2,221 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $954,000 | 2,110 |
| Total noninterest expense | $3,977,000 | 3,450 |
| Salaries and employee benefits | $2,179,000 | 3,343 |
| Premises and equipment expense | $811,000 | 2,597 |
| Additional noninterest expense | $987,000 | 4,109 |
| Pre-tax net operating income | $4,000 | 8,706 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $30,000 | 8,698 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $30,000 | 8,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 404 |
| Net operating income | $4,000 | 8,720 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,630,000 | 6,796 |
| Total interest expense | $1,710,000 | 6,765 |
| Net interest income | $1,920,000 | 6,697 |
| Provision for loan and lease losses | $154,000 | 4,353 |
| Total noninterest income | $987,000 | 3,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $635,000 | 2,548 |
| Total noninterest expense | $3,524,000 | 3,685 |
| Salaries and employee benefits | $1,963,000 | 3,517 |
| Premises and equipment expense | $680,000 | 2,938 |
| Additional noninterest expense | $881,000 | 4,418 |
| Pre-tax net operating income | $-771,000 | 9,656 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-771,000 | 9,677 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-771,000 | 9,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-771,000 | 9,676 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 8,880 |
| Total interest expense | $604,000 | 9,195 |
| Net interest income | $1,055,000 | 8,508 |
| Provision for loan and lease losses | $190,000 | 3,663 |
| Total noninterest income | $329,000 | 6,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,387 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 4,819 |
| Total noninterest expense | $2,392,000 | 5,035 |
| Salaries and employee benefits | $1,370,000 | 4,670 |
| Premises and equipment expense | $356,000 | 4,912 |
| Additional noninterest expense | $666,000 | 5,436 |
| Pre-tax net operating income | $-1,198,000 | 10,093 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,198,000 | 10,110 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,198,000 | 10,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,900,000 | 443 |
| Net operating income | $-1,198,000 | 10,101 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $33,000 | 10,442 |
| Total interest expense | $0 | 10,441 |
| Net interest income | $33,000 | 10,432 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $476,000 | 9,860 |
| Salaries and employee benefits | $22,000 | 10,435 |
| Premises and equipment expense | $29,000 | 10,190 |
| Additional noninterest expense | $425,000 | 7,015 |
| Pre-tax net operating income | $-443,000 | 10,153 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-443,000 | 10,201 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-443,000 | 10,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 193 |
| Net operating income | $-443,000 | 10,173 |
* 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.