Home > Frontenac Bank > Income and Expense
Frontenac Bank, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $4,603,000 | 2,599 |
| Total interest expense | $892,000 | 1,555 |
| Net interest income | $3,711,000 | 2,781 |
| Provision for loan and lease losses | $-12,000 | 5,757 |
| Total noninterest income | $-504,000 | 6,047 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $20,000 | 5,411 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-524,000 | 6,053 |
| Total noninterest expense | $3,929,000 | 2,335 |
| Salaries and employee benefits | $2,666,000 | 1,990 |
| Premises and equipment expense | $387,000 | 2,574 |
| Additional noninterest expense | $876,000 | 3,031 |
| Pre-tax net operating income | $-710,000 | 6,000 |
| Securities gains (losses) | $273,000 | 461 |
| Applicable income taxes | $-221,000 | 6,004 |
| Income before extraordinary items | $-216,000 | 5,930 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-216,000 | 5,930 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-216,000 | 5,930 |
| Net charge-offs | $974,000 | 368 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $-390,720 | 5,959 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 2,526 |
| Total interest expense | $459,000 | 1,516 |
| Net interest income | $1,905,000 | 2,723 |
| Provision for loan and lease losses | $44,000 | 2,331 |
| Total noninterest income | $-161,000 | 6,110 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $10,000 | 5,438 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $-171,000 | 6,111 |
| Total noninterest expense | $1,556,000 | 2,790 |
| Salaries and employee benefits | $930,000 | 2,641 |
| Premises and equipment expense | $184,000 | 2,699 |
| Additional noninterest expense | $442,000 | 3,014 |
| Pre-tax net operating income | $144,000 | 4,776 |
| Securities gains (losses) | $171,000 | 338 |
| Applicable income taxes | $95,000 | 2,498 |
| Income before extraordinary items | $220,000 | 4,114 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $220,000 | 4,111 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $220,000 | 4,112 |
| Net charge-offs | $977,000 | 229 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $100,300 | 4,957 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $9,696,000 | 2,428 |
| Total interest expense | $1,617,000 | 1,666 |
| Net interest income | $8,079,000 | 2,582 |
| Provision for loan and lease losses | $425,000 | 1,531 |
| Total noninterest income | $-55,000 | 6,142 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $49,000 | 5,421 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $-104,000 | 6,119 |
| Total noninterest expense | $6,409,000 | 2,731 |
| Salaries and employee benefits | $3,796,000 | 2,583 |
| Premises and equipment expense | $865,000 | 2,410 |
| Additional noninterest expense | $1,748,000 | 3,076 |
| Pre-tax net operating income | $1,190,000 | 3,848 |
| Securities gains (losses) | $465,000 | 377 |
| Applicable income taxes | $556,000 | 2,131 |
| Income before extraordinary items | $1,099,000 | 3,773 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,099,000 | 3,773 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,099,000 | 3,774 |
| Net charge-offs | $1,154,000 | 610 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $792,100 | 4,223 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $7,244,000 | 2,457 |
| Total interest expense | $1,170,000 | 1,744 |
| Net interest income | $6,074,000 | 2,586 |
| Provision for loan and lease losses | $287,000 | 1,554 |
| Total noninterest income | $-57,000 | 6,229 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $39,000 | 5,432 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-96,000 | 6,216 |
| Total noninterest expense | $4,832,000 | 2,722 |
| Salaries and employee benefits | $2,856,000 | 2,590 |
| Premises and equipment expense | $658,000 | 2,419 |
| Additional noninterest expense | $1,318,000 | 3,078 |
| Pre-tax net operating income | $898,000 | 3,910 |
| Securities gains (losses) | $411,000 | 358 |
| Applicable income taxes | $432,000 | 2,131 |
| Income before extraordinary items | $877,000 | 3,723 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $877,000 | 3,722 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $877,000 | 3,723 |
| Net charge-offs | $91,000 | 2,261 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $601,630 | 4,281 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,825,000 | 2,462 |
| Total interest expense | $754,000 | 1,786 |
| Net interest income | $4,071,000 | 2,572 |
| Provision for loan and lease losses | $172,000 | 1,664 |
| Total noninterest income | $-55,000 | 6,302 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $28,000 | 5,406 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-83,000 | 6,289 |
| Total noninterest expense | $3,313,000 | 2,696 |
| Salaries and employee benefits | $1,960,000 | 2,557 |
| Premises and equipment expense | $424,000 | 2,486 |
| Additional noninterest expense | $929,000 | 2,973 |
| Pre-tax net operating income | $531,000 | 4,090 |
| Securities gains (losses) | $411,000 | 296 |
| Applicable income taxes | $324,000 | 2,056 |
| Income before extraordinary items | $618,000 | 3,614 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $618,000 | 3,615 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $618,000 | 3,616 |
| Net charge-offs | $47,000 | 2,361 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $346,740 | 4,451 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,363,000 | 2,506 |
| Total interest expense | $361,000 | 1,864 |
| Net interest income | $2,002,000 | 2,600 |
| Provision for loan and lease losses | $147,000 | 1,167 |
| Total noninterest income | $5,000 | 6,273 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $14,000 | 5,415 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-9,000 | 6,318 |
| Total noninterest expense | $1,649,000 | 2,711 |
| Salaries and employee benefits | $988,000 | 2,553 |
| Premises and equipment expense | $217,000 | 2,483 |
| Additional noninterest expense | $444,000 | 3,061 |
| Pre-tax net operating income | $211,000 | 4,367 |
| Securities gains (losses) | $411,000 | 195 |
| Applicable income taxes | $232,000 | 1,668 |
| Income before extraordinary items | $390,000 | 3,166 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $390,000 | 3,169 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $390,000 | 3,169 |
| Net charge-offs | $49,000 | 1,580 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $126,960 | 4,824 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,741,000 | 2,459 |
| Total interest expense | $1,553,000 | 1,839 |
| Net interest income | $8,188,000 | 2,569 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $-492,000 | 6,480 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $51,000 | 5,702 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-543,000 | 6,468 |
| Total noninterest expense | $7,243,000 | 2,544 |
| Salaries and employee benefits | $3,965,000 | 2,523 |
| Premises and equipment expense | $902,000 | 2,440 |
| Additional noninterest expense | $2,376,000 | 2,505 |
| Pre-tax net operating income | $453,000 | 5,140 |
| Securities gains (losses) | $33,000 | 2,020 |
| Applicable income taxes | $-5,843,000 | 6,482 |
| Income before extraordinary items | $6,329,000 | 1,040 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $6,329,000 | 1,039 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $6,329,000 | 1,039 |
| Net charge-offs | $617,000 | 1,271 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,296,000 | 1,024 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,325,000 | 2,467 |
| Total interest expense | $1,191,000 | 1,828 |
| Net interest income | $6,134,000 | 2,588 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $-362,000 | 6,557 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $40,000 | 5,730 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $-402,000 | 6,549 |
| Total noninterest expense | $5,486,000 | 2,520 |
| Salaries and employee benefits | $2,967,000 | 2,521 |
| Premises and equipment expense | $668,000 | 2,486 |
| Additional noninterest expense | $1,851,000 | 2,427 |
| Pre-tax net operating income | $286,000 | 5,389 |
| Securities gains (losses) | $58,000 | 1,356 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $344,000 | 5,088 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $344,000 | 5,088 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $344,000 | 5,090 |
| Net charge-offs | $762,000 | 837 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $286,000 | 5,242 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,887,000 | 2,462 |
| Total interest expense | $828,000 | 1,786 |
| Net interest income | $4,059,000 | 2,601 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $-316,000 | 6,637 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $27,000 | 5,731 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $-343,000 | 6,632 |
| Total noninterest expense | $3,738,000 | 2,473 |
| Salaries and employee benefits | $1,990,000 | 2,514 |
| Premises and equipment expense | $448,000 | 2,485 |
| Additional noninterest expense | $1,300,000 | 2,305 |
| Pre-tax net operating income | $5,000 | 6,155 |
| Securities gains (losses) | $-9,000 | 6,281 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-4,000 | 6,217 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-4,000 | 6,219 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-4,000 | 6,219 |
| Net charge-offs | $-614,000 | 6,580 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $5,000 | 6,171 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 2,445 |
| Total interest expense | $421,000 | 1,780 |
| Net interest income | $2,034,000 | 2,588 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $-371,000 | 6,715 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $15,000 | 5,639 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $-386,000 | 6,713 |
| Total noninterest expense | $1,959,000 | 2,372 |
| Salaries and employee benefits | $1,007,000 | 2,494 |
| Premises and equipment expense | $232,000 | 2,463 |
| Additional noninterest expense | $720,000 | 2,092 |
| Pre-tax net operating income | $-296,000 | 6,576 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-296,000 | 6,582 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-296,000 | 6,582 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-296,000 | 6,582 |
| Net charge-offs | $-720,000 | 6,687 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-296,000 | 6,581 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $10,564,000 | 2,298 |
| Total interest expense | $1,896,000 | 1,789 |
| Net interest income | $8,668,000 | 2,426 |
| Provision for loan and lease losses | $140,000 | 3,337 |
| Total noninterest income | $-406,000 | 6,765 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $53,000 | 5,926 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-459,000 | 6,731 |
| Total noninterest expense | $7,470,000 | 2,482 |
| Salaries and employee benefits | $3,915,000 | 2,527 |
| Premises and equipment expense | $649,000 | 3,125 |
| Additional noninterest expense | $2,906,000 | 2,141 |
| Pre-tax net operating income | $652,000 | 4,693 |
| Securities gains (losses) | $2,000 | 2,972 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $654,000 | 4,543 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $654,000 | 4,547 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $654,000 | 4,547 |
| Net charge-offs | $716,000 | 1,617 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $652,000 | 4,493 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $8,093,000 | 2,263 |
| Total interest expense | $1,481,000 | 1,772 |
| Net interest income | $6,612,000 | 2,393 |
| Provision for loan and lease losses | $100,000 | 3,343 |
| Total noninterest income | $-39,000 | 6,789 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $40,000 | 5,995 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-79,000 | 6,717 |
| Total noninterest expense | $6,196,000 | 2,286 |
| Salaries and employee benefits | $2,908,000 | 2,548 |
| Premises and equipment expense | $509,000 | 3,065 |
| Additional noninterest expense | $2,779,000 | 1,707 |
| Pre-tax net operating income | $277,000 | 5,424 |
| Securities gains (losses) | $15,000 | 2,337 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $292,000 | 5,297 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $292,000 | 5,298 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $292,000 | 5,299 |
| Net charge-offs | $212,000 | 2,498 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $277,000 | 5,268 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,510,000 | 2,229 |
| Total interest expense | $1,056,000 | 1,697 |
| Net interest income | $4,454,000 | 2,349 |
| Provision for loan and lease losses | $100,000 | 2,924 |
| Total noninterest income | $-43,000 | 6,839 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $28,000 | 5,967 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-71,000 | 6,777 |
| Total noninterest expense | $3,738,000 | 2,479 |
| Salaries and employee benefits | $1,919,000 | 2,591 |
| Premises and equipment expense | $359,000 | 2,940 |
| Additional noninterest expense | $1,460,000 | 2,132 |
| Pre-tax net operating income | $573,000 | 3,904 |
| Securities gains (losses) | $15,000 | 2,143 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $588,000 | 3,643 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $588,000 | 3,645 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $588,000 | 3,646 |
| Net charge-offs | $-65,000 | 6,593 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $573,000 | 3,590 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 2,230 |
| Total interest expense | $589,000 | 1,565 |
| Net interest income | $2,197,000 | 2,386 |
| Provision for loan and lease losses | $100,000 | 2,044 |
| Total noninterest income | $-32,000 | 6,920 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $14,000 | 5,965 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-46,000 | 6,880 |
| Total noninterest expense | $1,878,000 | 2,504 |
| Salaries and employee benefits | $965,000 | 2,589 |
| Premises and equipment expense | $186,000 | 2,893 |
| Additional noninterest expense | $727,000 | 2,143 |
| Pre-tax net operating income | $187,000 | 4,566 |
| Securities gains (losses) | $14,000 | 1,385 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $201,000 | 4,265 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $201,000 | 4,268 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $201,000 | 4,267 |
| Net charge-offs | $132,000 | 1,684 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $187,000 | 4,283 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $12,440,000 | 2,098 |
| Total interest expense | $3,957,000 | 1,129 |
| Net interest income | $8,483,000 | 2,530 |
| Provision for loan and lease losses | $350,000 | 3,164 |
| Total noninterest income | $274,000 | 5,346 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $65,000 | 5,985 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $209,000 | 4,539 |
| Total noninterest expense | $8,820,000 | 2,159 |
| Salaries and employee benefits | $3,711,000 | 2,632 |
| Premises and equipment expense | $1,073,000 | 2,133 |
| Additional noninterest expense | $4,036,000 | 1,664 |
| Pre-tax net operating income | $-413,000 | 6,466 |
| Securities gains (losses) | $756,000 | 681 |
| Applicable income taxes | $274,000 | 2,742 |
| Income before extraordinary items | $69,000 | 6,142 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $69,000 | 6,136 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $69,000 | 6,138 |
| Net charge-offs | $2,415,000 | 1,001 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-414,840 | 6,490 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $9,468,000 | 2,109 |
| Total interest expense | $3,231,000 | 1,095 |
| Net interest income | $6,237,000 | 2,626 |
| Provision for loan and lease losses | $350,000 | 2,768 |
| Total noninterest income | $1,000 | 6,928 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $50,000 | 6,028 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-49,000 | 6,842 |
| Total noninterest expense | $5,950,000 | 2,388 |
| Salaries and employee benefits | $2,635,000 | 2,791 |
| Premises and equipment expense | $728,000 | 2,362 |
| Additional noninterest expense | $2,587,000 | 1,911 |
| Pre-tax net operating income | $-62,000 | 6,376 |
| Securities gains (losses) | $495,000 | 754 |
| Applicable income taxes | $274,000 | 2,550 |
| Income before extraordinary items | $159,000 | 5,890 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $159,000 | 5,889 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $159,000 | 5,889 |
| Net charge-offs | $2,061,000 | 908 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-157,800 | 6,499 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,407,000 | 2,095 |
| Total interest expense | $2,266,000 | 1,083 |
| Net interest income | $4,141,000 | 2,629 |
| Provision for loan and lease losses | $350,000 | 2,226 |
| Total noninterest income | $151,000 | 5,291 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $35,000 | 5,993 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $116,000 | 4,443 |
| Total noninterest expense | $3,947,000 | 2,391 |
| Salaries and employee benefits | $1,694,000 | 2,877 |
| Premises and equipment expense | $479,000 | 2,378 |
| Additional noninterest expense | $1,774,000 | 1,873 |
| Pre-tax net operating income | $-5,000 | 6,329 |
| Securities gains (losses) | $495,000 | 550 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $490,000 | 4,027 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $490,000 | 4,031 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $490,000 | 4,031 |
| Net charge-offs | $1,917,000 | 713 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-5,000 | 6,333 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,260,000 | 2,074 |
| Total interest expense | $1,207,000 | 1,055 |
| Net interest income | $2,053,000 | 2,659 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $56,000 | 5,716 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $19,000 | 5,880 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $37,000 | 5,121 |
| Total noninterest expense | $1,877,000 | 2,511 |
| Salaries and employee benefits | $851,000 | 2,885 |
| Premises and equipment expense | $235,000 | 2,432 |
| Additional noninterest expense | $791,000 | 2,053 |
| Pre-tax net operating income | $82,000 | 5,600 |
| Securities gains (losses) | $229,000 | 546 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $311,000 | 3,577 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $311,000 | 3,580 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $311,000 | 3,580 |
| Net charge-offs | $684,000 | 885 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $82,000 | 5,427 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,109,000 | 1,864 |
| Total interest expense | $6,313,000 | 962 |
| Net interest income | $8,796,000 | 2,501 |
| Provision for loan and lease losses | $3,729,000 | 1,006 |
| Total noninterest income | $91,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $74,000 | 5,914 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $17,000 | 6,431 |
| Total noninterest expense | $8,277,000 | 2,289 |
| Salaries and employee benefits | $3,405,000 | 2,807 |
| Premises and equipment expense | $926,000 | 2,570 |
| Additional noninterest expense | $3,946,000 | 1,722 |
| Pre-tax net operating income | $-3,119,000 | 6,929 |
| Securities gains (losses) | $814,000 | 534 |
| Applicable income taxes | $5,514,000 | 386 |
| Income before extraordinary items | $-7,819,000 | 7,167 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,819,000 | 7,165 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,819,000 | 7,167 |
| Net charge-offs | $3,726,000 | 1,032 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-8,633,000 | 7,180 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,607,000 | 1,834 |
| Total interest expense | $5,014,000 | 948 |
| Net interest income | $6,593,000 | 2,510 |
| Provision for loan and lease losses | $3,550,000 | 810 |
| Total noninterest income | $73,000 | 6,540 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $57,000 | 5,906 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $16,000 | 6,487 |
| Total noninterest expense | $6,443,000 | 2,222 |
| Salaries and employee benefits | $2,618,000 | 2,748 |
| Premises and equipment expense | $685,000 | 2,612 |
| Additional noninterest expense | $3,140,000 | 1,623 |
| Pre-tax net operating income | $-3,327,000 | 7,132 |
| Securities gains (losses) | $814,000 | 421 |
| Applicable income taxes | $5,100,000 | 334 |
| Income before extraordinary items | $-7,613,000 | 7,313 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,613,000 | 7,313 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-7,613,000 | 7,313 |
| Net charge-offs | $3,209,000 | 895 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-8,427,000 | 7,315 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 1,808 |
| Total interest expense | $3,403,000 | 972 |
| Net interest income | $4,519,000 | 2,431 |
| Provision for loan and lease losses | $650,000 | 1,973 |
| Total noninterest income | $65,000 | 6,354 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $33,000 | 6,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 5,904 |
| Total noninterest expense | $4,196,000 | 2,288 |
| Salaries and employee benefits | $1,761,000 | 2,746 |
| Premises and equipment expense | $453,000 | 2,655 |
| Additional noninterest expense | $1,982,000 | 1,728 |
| Pre-tax net operating income | $-262,000 | 6,619 |
| Securities gains (losses) | $97,000 | 1,166 |
| Applicable income taxes | $-52,000 | 7,036 |
| Income before extraordinary items | $-113,000 | 6,524 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-113,000 | 6,524 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-113,000 | 6,524 |
| Net charge-offs | $1,349,000 | 1,213 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-178,960 | 6,563 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,055,000 | 1,775 |
| Total interest expense | $1,720,000 | 990 |
| Net interest income | $2,335,000 | 2,340 |
| Provision for loan and lease losses | $400,000 | 1,629 |
| Total noninterest income | $32,000 | 6,430 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $12,000 | 6,371 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 5,800 |
| Total noninterest expense | $2,370,000 | 2,045 |
| Salaries and employee benefits | $876,000 | 2,769 |
| Premises and equipment expense | $232,000 | 2,643 |
| Additional noninterest expense | $1,262,000 | 1,385 |
| Pre-tax net operating income | $-403,000 | 7,027 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-136,000 | 7,330 |
| Income before extraordinary items | $-267,000 | 6,956 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-267,000 | 6,956 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-267,000 | 6,956 |
| Net charge-offs | $112,000 | 2,615 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-267,000 | 6,939 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,294,000 | 1,656 |
| Total interest expense | $8,557,000 | 974 |
| Net interest income | $9,737,000 | 2,253 |
| Provision for loan and lease losses | $5,381,000 | 1,076 |
| Total noninterest income | $-635,000 | 7,507 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $85,000 | 5,691 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-720,000 | 7,447 |
| Total noninterest expense | $8,961,000 | 2,165 |
| Salaries and employee benefits | $3,178,000 | 2,970 |
| Premises and equipment expense | $930,000 | 2,632 |
| Additional noninterest expense | $4,853,000 | 1,491 |
| Pre-tax net operating income | $-5,240,000 | 7,123 |
| Securities gains (losses) | $289,000 | 1,294 |
| Applicable income taxes | $-1,729,000 | 7,428 |
| Income before extraordinary items | $-3,222,000 | 7,026 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,222,000 | 7,026 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,222,000 | 7,027 |
| Net charge-offs | $5,950,000 | 888 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,409,850 | 7,026 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,120,000 | 1,652 |
| Total interest expense | $6,716,000 | 967 |
| Net interest income | $7,404,000 | 2,257 |
| Provision for loan and lease losses | $4,803,000 | 904 |
| Total noninterest income | $-336,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $67,000 | 5,704 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-403,000 | 7,545 |
| Total noninterest expense | $6,408,000 | 2,264 |
| Salaries and employee benefits | $2,349,000 | 3,023 |
| Premises and equipment expense | $696,000 | 2,670 |
| Additional noninterest expense | $3,363,000 | 1,580 |
| Pre-tax net operating income | $-4,143,000 | 7,306 |
| Securities gains (losses) | $244,000 | 1,221 |
| Applicable income taxes | $-1,232,000 | 7,536 |
| Income before extraordinary items | $-2,667,000 | 7,232 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,667,000 | 7,232 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,667,000 | 7,232 |
| Net charge-offs | $4,366,000 | 859 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,832,920 | 7,230 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,438,000 | 1,674 |
| Total interest expense | $4,627,000 | 968 |
| Net interest income | $4,811,000 | 2,323 |
| Provision for loan and lease losses | $2,723,000 | 1,019 |
| Total noninterest income | $-242,000 | 7,690 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $47,000 | 5,677 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-289,000 | 7,646 |
| Total noninterest expense | $4,307,000 | 2,250 |
| Salaries and employee benefits | $1,573,000 | 3,013 |
| Premises and equipment expense | $451,000 | 2,749 |
| Additional noninterest expense | $2,283,000 | 1,552 |
| Pre-tax net operating income | $-2,461,000 | 7,342 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-827,000 | 7,580 |
| Income before extraordinary items | $-1,634,000 | 7,280 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,634,000 | 7,279 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,634,000 | 7,280 |
| Net charge-offs | $3,362,000 | 750 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,634,000 | 7,264 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,805,000 | 1,680 |
| Total interest expense | $2,362,000 | 1,000 |
| Net interest income | $2,443,000 | 2,300 |
| Provision for loan and lease losses | $800,000 | 1,344 |
| Total noninterest income | $38,000 | 6,463 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $21,000 | 5,847 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $17,000 | 6,134 |
| Total noninterest expense | $2,039,000 | 2,406 |
| Salaries and employee benefits | $739,000 | 3,227 |
| Premises and equipment expense | $227,000 | 2,803 |
| Additional noninterest expense | $1,073,000 | 1,639 |
| Pre-tax net operating income | $-358,000 | 7,050 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-115,000 | 7,466 |
| Income before extraordinary items | $-243,000 | 7,004 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-243,000 | 7,005 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-243,000 | 7,004 |
| Net charge-offs | $91,000 | 3,183 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-243,000 | 6,966 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,019,000 | 1,623 |
| Total interest expense | $12,468,000 | 948 |
| Net interest income | $8,551,000 | 2,535 |
| Provision for loan and lease losses | $12,100,000 | 742 |
| Total noninterest income | $-1,082,000 | 7,928 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $109,000 | 5,636 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,191,000 | 7,896 |
| Total noninterest expense | $8,587,000 | 2,304 |
| Salaries and employee benefits | $2,976,000 | 3,197 |
| Premises and equipment expense | $872,000 | 2,900 |
| Additional noninterest expense | $4,739,000 | 1,575 |
| Pre-tax net operating income | $-13,218,000 | 7,591 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-5,033,000 | 7,759 |
| Income before extraordinary items | $-8,185,000 | 7,492 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,185,000 | 7,490 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,185,000 | 7,491 |
| Net charge-offs | $9,611,000 | 709 |
| Cash dividends | $900,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-8,185,000 | 7,502 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,241,000 | 1,605 |
| Total interest expense | $9,833,000 | 949 |
| Net interest income | $6,408,000 | 2,538 |
| Provision for loan and lease losses | $7,680,000 | 768 |
| Total noninterest income | $-1,049,000 | 8,045 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $82,000 | 5,667 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,131,000 | 8,027 |
| Total noninterest expense | $5,126,000 | 2,847 |
| Salaries and employee benefits | $2,395,000 | 3,041 |
| Premises and equipment expense | $605,000 | 3,138 |
| Additional noninterest expense | $2,126,000 | 2,434 |
| Pre-tax net operating income | $-7,447,000 | 7,645 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,532,000 | 7,778 |
| Income before extraordinary items | $-4,915,000 | 7,567 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,915,000 | 7,567 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,915,000 | 7,567 |
| Net charge-offs | $2,731,000 | 1,243 |
| Cash dividends | $900,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,915,000 | 7,577 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,021,000 | 1,610 |
| Total interest expense | $6,741,000 | 978 |
| Net interest income | $4,280,000 | 2,529 |
| Provision for loan and lease losses | $7,180,000 | 578 |
| Total noninterest income | $-141,000 | 8,053 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $50,000 | 5,799 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-191,000 | 8,013 |
| Total noninterest expense | $3,304,000 | 2,964 |
| Salaries and employee benefits | $1,628,000 | 3,029 |
| Premises and equipment expense | $393,000 | 3,228 |
| Additional noninterest expense | $1,283,000 | 2,675 |
| Pre-tax net operating income | $-6,345,000 | 7,806 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-2,411,000 | 7,932 |
| Income before extraordinary items | $-3,934,000 | 7,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,934,000 | 7,719 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,934,000 | 7,719 |
| Net charge-offs | $2,354,000 | 1,017 |
| Cash dividends | $600,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,934,000 | 7,727 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,505,000 | 1,632 |
| Total interest expense | $3,404,000 | 1,007 |
| Net interest income | $2,101,000 | 2,578 |
| Provision for loan and lease losses | $90,000 | 4,033 |
| Total noninterest income | $40,000 | 6,659 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $23,000 | 5,885 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $1,597,000 | 2,973 |
| Salaries and employee benefits | $811,000 | 3,068 |
| Premises and equipment expense | $192,000 | 3,337 |
| Additional noninterest expense | $594,000 | 2,585 |
| Pre-tax net operating income | $454,000 | 2,553 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $199,000 | 1,460 |
| Income before extraordinary items | $255,000 | 3,410 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $255,000 | 3,411 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $255,000 | 3,411 |
| Net charge-offs | $-27,000 | 8,046 |
| Cash dividends | $300,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $255,000 | 3,256 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,228,000 | 1,537 |
| Total interest expense | $15,131,000 | 1,069 |
| Net interest income | $10,097,000 | 2,202 |
| Provision for loan and lease losses | $8,340,000 | 681 |
| Total noninterest income | $-391,000 | 8,227 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 6,172 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-473,000 | 8,219 |
| Total noninterest expense | $7,124,000 | 2,640 |
| Salaries and employee benefits | $3,233,000 | 3,046 |
| Premises and equipment expense | $1,782,000 | 1,554 |
| Additional noninterest expense | $2,109,000 | 2,729 |
| Pre-tax net operating income | $-5,758,000 | 7,846 |
| Securities gains (losses) | $345,000 | 500 |
| Applicable income taxes | $-2,058,000 | 7,924 |
| Income before extraordinary items | $-3,355,000 | 7,665 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,355,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,113,000 | 525 |
| Cash dividends | $800,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,575,800 | 7,761 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,117,000 | 1,561 |
| Total interest expense | $11,536,000 | 1,089 |
| Net interest income | $7,581,000 | 2,217 |
| Provision for loan and lease losses | $4,700,000 | 664 |
| Total noninterest income | $-477,000 | 8,337 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $60,000 | 6,226 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-537,000 | 8,344 |
| Total noninterest expense | $4,611,000 | 2,981 |
| Salaries and employee benefits | $2,581,000 | 2,891 |
| Premises and equipment expense | $580,000 | 3,276 |
| Additional noninterest expense | $1,450,000 | 2,863 |
| Pre-tax net operating income | $-2,207,000 | 7,902 |
| Securities gains (losses) | $469,000 | 336 |
| Applicable income taxes | $-574,000 | 7,913 |
| Income before extraordinary items | $-1,164,000 | 7,585 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,164,000 | 7,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,731,000 | 463 |
| Cash dividends | $600,000 | 2,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,478,230 | 7,794 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,079,000 | 1,548 |
| Total interest expense | $8,105,000 | 1,081 |
| Net interest income | $4,974,000 | 2,233 |
| Provision for loan and lease losses | $200,000 | 3,141 |
| Total noninterest income | $142,000 | 6,069 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $41,000 | 6,214 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $101,000 | 5,037 |
| Total noninterest expense | $3,096,000 | 2,969 |
| Salaries and employee benefits | $1,683,000 | 2,984 |
| Premises and equipment expense | $393,000 | 3,257 |
| Additional noninterest expense | $1,020,000 | 2,695 |
| Pre-tax net operating income | $1,820,000 | 1,833 |
| Securities gains (losses) | $469,000 | 338 |
| Applicable income taxes | $846,000 | 1,074 |
| Income before extraordinary items | $1,443,000 | 1,865 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,443,000 | 1,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $428,000 | 1,458 |
| Cash dividends | $400,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,142,840 | 2,261 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,996,000 | 1,479 |
| Total interest expense | $4,432,000 | 1,057 |
| Net interest income | $2,564,000 | 2,157 |
| Provision for loan and lease losses | $50,000 | 3,776 |
| Total noninterest income | $3,000 | 8,242 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-19,000 | 8,415 |
| Total noninterest expense | $1,527,000 | 3,004 |
| Salaries and employee benefits | $817,000 | 3,103 |
| Premises and equipment expense | $200,000 | 3,228 |
| Additional noninterest expense | $510,000 | 2,675 |
| Pre-tax net operating income | $990,000 | 1,802 |
| Securities gains (losses) | $114,000 | 653 |
| Applicable income taxes | $405,000 | 1,185 |
| Income before extraordinary items | $699,000 | 2,034 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $699,000 | 2,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 1,525 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $626,040 | 2,155 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $30,468,000 | 1,408 |
| Total interest expense | $18,794,000 | 1,042 |
| Net interest income | $11,674,000 | 1,951 |
| Provision for loan and lease losses | $3,034,000 | 623 |
| Total noninterest income | $-107,000 | 8,503 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $95,000 | 6,085 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-202,000 | 8,510 |
| Total noninterest expense | $5,905,000 | 3,006 |
| Salaries and employee benefits | $3,363,000 | 2,922 |
| Premises and equipment expense | $796,000 | 3,093 |
| Additional noninterest expense | $1,746,000 | 3,014 |
| Pre-tax net operating income | $2,628,000 | 2,713 |
| Securities gains (losses) | $6,000 | 1,516 |
| Applicable income taxes | $1,046,000 | 1,804 |
| Income before extraordinary items | $1,588,000 | 3,323 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,588,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,396,000 | 790 |
| Cash dividends | $800,000 | 2,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,584,160 | 3,310 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,875,000 | 1,410 |
| Total interest expense | $13,978,000 | 1,047 |
| Net interest income | $8,897,000 | 1,927 |
| Provision for loan and lease losses | $705,000 | 1,199 |
| Total noninterest income | $213,000 | 6,174 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $73,000 | 6,084 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $140,000 | 5,221 |
| Total noninterest expense | $4,429,000 | 2,986 |
| Salaries and employee benefits | $2,528,000 | 2,893 |
| Premises and equipment expense | $398,000 | 4,182 |
| Additional noninterest expense | $1,503,000 | 2,619 |
| Pre-tax net operating income | $3,976,000 | 1,675 |
| Securities gains (losses) | $5,000 | 1,185 |
| Applicable income taxes | $1,492,000 | 1,232 |
| Income before extraordinary items | $2,489,000 | 2,012 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,489,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,046 |
| Cash dividends | $600,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,485,800 | 2,003 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,246,000 | 1,426 |
| Total interest expense | $9,199,000 | 1,070 |
| Net interest income | $6,047,000 | 1,908 |
| Provision for loan and lease losses | $505,000 | 1,018 |
| Total noninterest income | $170,000 | 5,899 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $48,000 | 6,141 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $122,000 | 4,722 |
| Total noninterest expense | $2,930,000 | 3,028 |
| Salaries and employee benefits | $1,682,000 | 2,934 |
| Premises and equipment expense | $264,000 | 4,215 |
| Additional noninterest expense | $984,000 | 2,672 |
| Pre-tax net operating income | $2,782,000 | 1,657 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $1,044,000 | 1,235 |
| Income before extraordinary items | $1,739,000 | 1,977 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,739,000 | 1,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,305 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,738,360 | 1,961 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,553,000 | 1,431 |
| Total interest expense | $4,527,000 | 1,075 |
| Net interest income | $3,026,000 | 1,902 |
| Provision for loan and lease losses | $285,000 | 868 |
| Total noninterest income | $39,000 | 7,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $19,000 | 6,688 |
| Total noninterest expense | $1,473,000 | 3,028 |
| Salaries and employee benefits | $844,000 | 2,937 |
| Premises and equipment expense | $131,000 | 4,247 |
| Additional noninterest expense | $498,000 | 2,631 |
| Pre-tax net operating income | $1,307,000 | 1,748 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $481,000 | 1,323 |
| Income before extraordinary items | $827,000 | 2,008 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $827,000 | 2,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,092 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $826,360 | 1,998 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $29,677,000 | 1,339 |
| Total interest expense | $16,325,000 | 1,017 |
| Net interest income | $13,352,000 | 1,720 |
| Provision for loan and lease losses | $1,355,000 | 771 |
| Total noninterest income | $282,000 | 6,299 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $84,000 | 6,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $198,000 | 5,142 |
| Total noninterest expense | $5,941,000 | 2,894 |
| Salaries and employee benefits | $3,014,000 | 3,113 |
| Premises and equipment expense | $512,000 | 4,196 |
| Additional noninterest expense | $2,415,000 | 2,168 |
| Pre-tax net operating income | $6,338,000 | 1,531 |
| Securities gains (losses) | $8,000 | 1,147 |
| Applicable income taxes | $2,372,000 | 1,165 |
| Income before extraordinary items | $3,974,000 | 1,800 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,974,000 | 1,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,267,000 | 345 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,968,880 | 1,780 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,837,000 | 1,357 |
| Total interest expense | $11,648,000 | 1,039 |
| Net interest income | $10,189,000 | 1,705 |
| Provision for loan and lease losses | $1,555,000 | 507 |
| Total noninterest income | $209,000 | 6,368 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $63,000 | 6,447 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $146,000 | 5,185 |
| Total noninterest expense | $4,083,000 | 3,115 |
| Salaries and employee benefits | $2,254,000 | 3,114 |
| Premises and equipment expense | $389,000 | 4,170 |
| Additional noninterest expense | $1,440,000 | 2,654 |
| Pre-tax net operating income | $4,760,000 | 1,571 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,773,000 | 1,211 |
| Income before extraordinary items | $2,987,000 | 1,838 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,987,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,377,000 | 358 |
| Cash dividends | $600,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,987,000 | 1,817 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,116,000 | 1,368 |
| Total interest expense | $7,236,000 | 1,067 |
| Net interest income | $6,880,000 | 1,682 |
| Provision for loan and lease losses | $1,155,000 | 447 |
| Total noninterest income | $162,000 | 6,095 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $39,000 | 6,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 4,696 |
| Total noninterest expense | $2,644,000 | 3,198 |
| Salaries and employee benefits | $1,443,000 | 3,243 |
| Premises and equipment expense | $250,000 | 4,268 |
| Additional noninterest expense | $951,000 | 2,689 |
| Pre-tax net operating income | $3,243,000 | 1,549 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,226,000 | 1,175 |
| Income before extraordinary items | $2,017,000 | 1,812 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,017,000 | 1,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,142,000 | 310 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,017,000 | 1,796 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,683,000 | 1,418 |
| Total interest expense | $3,440,000 | 1,055 |
| Net interest income | $3,243,000 | 1,783 |
| Provision for loan and lease losses | $500,000 | 481 |
| Total noninterest income | $82,000 | 6,027 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 5,757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,161 |
| Total noninterest expense | $1,272,000 | 3,323 |
| Salaries and employee benefits | $706,000 | 3,311 |
| Premises and equipment expense | $121,000 | 4,385 |
| Additional noninterest expense | $445,000 | 2,831 |
| Pre-tax net operating income | $1,553,000 | 1,581 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $594,000 | 1,207 |
| Income before extraordinary items | $959,000 | 1,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $959,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,610 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $959,000 | 1,851 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,095,000 | 1,510 |
| Total interest expense | $9,602,000 | 1,174 |
| Net interest income | $12,493,000 | 1,756 |
| Provision for loan and lease losses | $1,510,000 | 710 |
| Total noninterest income | $307,000 | 6,279 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $98,000 | 6,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $209,000 | 5,069 |
| Total noninterest expense | $4,159,000 | 3,753 |
| Salaries and employee benefits | $2,283,000 | 3,745 |
| Premises and equipment expense | $459,000 | 4,433 |
| Additional noninterest expense | $1,417,000 | 3,375 |
| Pre-tax net operating income | $7,131,000 | 1,341 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,696,000 | 1,060 |
| Income before extraordinary items | $4,435,000 | 1,583 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,435,000 | 1,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $485,000 | 1,198 |
| Cash dividends | $650,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,435,000 | 1,560 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,498,000 | 1,587 |
| Total interest expense | $6,640,000 | 1,197 |
| Net interest income | $8,858,000 | 1,849 |
| Provision for loan and lease losses | $1,210,000 | 633 |
| Total noninterest income | $254,000 | 6,112 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 6,651 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $195,000 | 4,652 |
| Total noninterest expense | $3,033,000 | 3,812 |
| Salaries and employee benefits | $1,736,000 | 3,673 |
| Premises and equipment expense | $345,000 | 4,408 |
| Additional noninterest expense | $952,000 | 3,638 |
| Pre-tax net operating income | $4,869,000 | 1,472 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,848,000 | 1,153 |
| Income before extraordinary items | $3,021,000 | 1,744 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,021,000 | 1,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 917 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,021,000 | 1,715 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,475,000 | 1,690 |
| Total interest expense | $3,967,000 | 1,267 |
| Net interest income | $5,508,000 | 1,969 |
| Provision for loan and lease losses | $610,000 | 808 |
| Total noninterest income | $173,000 | 6,053 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $38,000 | 6,682 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $135,000 | 4,544 |
| Total noninterest expense | $1,958,000 | 3,876 |
| Salaries and employee benefits | $1,141,000 | 3,705 |
| Premises and equipment expense | $229,000 | 4,396 |
| Additional noninterest expense | $588,000 | 3,872 |
| Pre-tax net operating income | $3,113,000 | 1,498 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,149,000 | 1,214 |
| Income before extraordinary items | $1,964,000 | 1,741 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,964,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,501 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,964,000 | 1,713 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,334,000 | 1,805 |
| Total interest expense | $1,682,000 | 1,421 |
| Net interest income | $2,652,000 | 2,036 |
| Provision for loan and lease losses | $275,000 | 845 |
| Total noninterest income | $132,000 | 5,045 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $116,000 | 3,465 |
| Total noninterest expense | $934,000 | 4,048 |
| Salaries and employee benefits | $550,000 | 3,809 |
| Premises and equipment expense | $113,000 | 4,465 |
| Additional noninterest expense | $271,000 | 4,113 |
| Pre-tax net operating income | $1,575,000 | 1,452 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $576,000 | 1,184 |
| Income before extraordinary items | $999,000 | 1,672 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $999,000 | 1,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $999,000 | 1,645 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,434,000 | 2,319 |
| Total interest expense | $4,310,000 | 1,889 |
| Net interest income | $8,124,000 | 2,510 |
| Provision for loan and lease losses | $890,000 | 1,168 |
| Total noninterest income | $224,000 | 6,963 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $66,000 | 7,023 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $158,000 | 5,589 |
| Total noninterest expense | $3,492,000 | 4,184 |
| Salaries and employee benefits | $1,866,000 | 4,220 |
| Premises and equipment expense | $449,000 | 4,411 |
| Additional noninterest expense | $1,177,000 | 3,814 |
| Pre-tax net operating income | $3,966,000 | 2,075 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,499,000 | 1,602 |
| Income before extraordinary items | $2,467,000 | 2,449 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,467,000 | 2,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,355 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,467,000 | 2,395 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,554,000 | 2,473 |
| Total interest expense | $2,935,000 | 2,038 |
| Net interest income | $5,619,000 | 2,672 |
| Provision for loan and lease losses | $590,000 | 1,253 |
| Total noninterest income | $160,000 | 7,066 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $50,000 | 7,060 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 5,753 |
| Total noninterest expense | $2,514,000 | 4,280 |
| Salaries and employee benefits | $1,313,000 | 4,388 |
| Premises and equipment expense | $401,000 | 3,865 |
| Additional noninterest expense | $800,000 | 4,081 |
| Pre-tax net operating income | $2,675,000 | 2,260 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,005,000 | 1,774 |
| Income before extraordinary items | $1,670,000 | 2,705 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,670,000 | 2,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $225,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,670,000 | 2,648 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,347,000 | 2,611 |
| Total interest expense | $1,805,000 | 2,175 |
| Net interest income | $3,542,000 | 2,814 |
| Provision for loan and lease losses | $320,000 | 1,458 |
| Total noninterest income | $118,000 | 6,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $32,000 | 7,125 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 5,466 |
| Total noninterest expense | $1,649,000 | 4,357 |
| Salaries and employee benefits | $868,000 | 4,440 |
| Premises and equipment expense | $261,000 | 3,948 |
| Additional noninterest expense | $520,000 | 4,186 |
| Pre-tax net operating income | $1,691,000 | 2,347 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $610,000 | 1,903 |
| Income before extraordinary items | $1,081,000 | 2,753 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,081,000 | 2,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,081,000 | 2,672 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,460,000 | 2,837 |
| Total interest expense | $864,000 | 2,283 |
| Net interest income | $1,596,000 | 3,105 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $209,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $192,000 | 2,539 |
| Total noninterest expense | $810,000 | 4,430 |
| Salaries and employee benefits | $438,000 | 4,435 |
| Premises and equipment expense | $122,000 | 4,191 |
| Additional noninterest expense | $250,000 | 4,318 |
| Pre-tax net operating income | $905,000 | 2,184 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $330,000 | 1,800 |
| Income before extraordinary items | $575,000 | 2,607 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $575,000 | 2,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $75,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $575,000 | 2,514 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,331,000 | 3,327 |
| Total interest expense | $3,042,000 | 2,830 |
| Net interest income | $5,289,000 | 3,541 |
| Provision for loan and lease losses | $735,000 | 1,566 |
| Total noninterest income | $697,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $75,000 | 6,999 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $622,000 | 3,183 |
| Total noninterest expense | $2,707,000 | 4,936 |
| Salaries and employee benefits | $1,457,000 | 4,941 |
| Premises and equipment expense | $400,000 | 4,731 |
| Additional noninterest expense | $850,000 | 4,846 |
| Pre-tax net operating income | $2,544,000 | 2,838 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $976,000 | 2,209 |
| Income before extraordinary items | $1,568,000 | 3,452 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,568,000 | 3,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,862 |
| Cash dividends | $75,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 189 |
| Net operating income | $1,568,000 | 3,281 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,998,000 | 3,494 |
| Total interest expense | $2,229,000 | 2,979 |
| Net interest income | $3,769,000 | 3,682 |
| Provision for loan and lease losses | $446,000 | 1,875 |
| Total noninterest income | $566,000 | 4,404 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $53,000 | 7,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $513,000 | 3,094 |
| Total noninterest expense | $1,988,000 | 5,002 |
| Salaries and employee benefits | $1,041,000 | 5,109 |
| Premises and equipment expense | $415,000 | 3,749 |
| Additional noninterest expense | $532,000 | 5,435 |
| Pre-tax net operating income | $1,901,000 | 2,949 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $713,000 | 2,361 |
| Income before extraordinary items | $1,188,000 | 3,527 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,188,000 | 3,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,826 |
| Cash dividends | $75,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 126 |
| Net operating income | $1,188,000 | 3,363 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,888,000 | 3,593 |
| Total interest expense | $1,454,000 | 3,140 |
| Net interest income | $2,434,000 | 3,782 |
| Provision for loan and lease losses | $256,000 | 2,085 |
| Total noninterest income | $302,000 | 4,968 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $32,000 | 7,257 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $270,000 | 3,489 |
| Total noninterest expense | $1,261,000 | 5,169 |
| Salaries and employee benefits | $652,000 | 5,346 |
| Premises and equipment expense | $267,000 | 3,838 |
| Additional noninterest expense | $342,000 | 5,545 |
| Pre-tax net operating income | $1,219,000 | 3,052 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $457,000 | 2,457 |
| Income before extraordinary items | $762,000 | 3,644 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $762,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,860 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 132 |
| Net operating income | $762,000 | 3,447 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 3,652 |
| Total interest expense | $722,000 | 3,228 |
| Net interest income | $1,196,000 | 3,834 |
| Provision for loan and lease losses | $145,000 | 1,841 |
| Total noninterest income | $123,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $16,000 | 7,223 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $107,000 | 3,805 |
| Total noninterest expense | $601,000 | 5,328 |
| Salaries and employee benefits | $310,000 | 5,520 |
| Premises and equipment expense | $132,000 | 3,884 |
| Additional noninterest expense | $159,000 | 5,740 |
| Pre-tax net operating income | $573,000 | 3,189 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $212,000 | 2,592 |
| Income before extraordinary items | $361,000 | 3,726 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $361,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,045 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 68 |
| Net operating income | $361,000 | 3,554 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 4,080 |
| Total interest expense | $3,242,000 | 3,315 |
| Net interest income | $3,688,000 | 4,592 |
| Provision for loan and lease losses | $601,000 | 2,052 |
| Total noninterest income | $413,000 | 5,698 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $52,000 | 7,490 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $361,000 | 3,881 |
| Total noninterest expense | $2,040,000 | 5,804 |
| Salaries and employee benefits | $921,000 | 6,436 |
| Premises and equipment expense | $496,000 | 3,948 |
| Additional noninterest expense | $623,000 | 5,794 |
| Pre-tax net operating income | $1,460,000 | 4,192 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $554,000 | 3,257 |
| Income before extraordinary items | $906,000 | 4,865 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $906,000 | 4,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,922 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 609 |
| Net operating income | $906,000 | 4,739 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,357,000 | 4,758 |
| Total interest expense | $3,962,000 | 3,826 |
| Net interest income | $2,395,000 | 5,861 |
| Provision for loan and lease losses | $317,000 | 3,088 |
| Total noninterest income | $314,000 | 6,295 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $55,000 | 7,493 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $259,000 | 4,419 |
| Total noninterest expense | $1,883,000 | 5,965 |
| Salaries and employee benefits | $901,000 | 6,366 |
| Premises and equipment expense | $481,000 | 4,024 |
| Additional noninterest expense | $501,000 | 6,429 |
| Pre-tax net operating income | $509,000 | 6,507 |
| Securities gains (losses) | $12,000 | 3,497 |
| Applicable income taxes | $117,000 | 5,804 |
| Income before extraordinary items | $404,000 | 6,549 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $404,000 | 6,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,122 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $394,640 | 6,477 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,749,000 | 5,920 |
| Total interest expense | $2,933,000 | 5,011 |
| Net interest income | $1,816,000 | 6,889 |
| Provision for loan and lease losses | $265,000 | 3,112 |
| Total noninterest income | $211,000 | 7,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,307 |
| Total noninterest expense | $1,746,000 | 6,166 |
| Salaries and employee benefits | $847,000 | 6,512 |
| Premises and equipment expense | $398,000 | 4,526 |
| Additional noninterest expense | $501,000 | 6,425 |
| Pre-tax net operating income | $16,000 | 9,065 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-223,000 | 9,707 |
| Income before extraordinary items | $239,000 | 7,849 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $239,000 | 7,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,020,000 | 253 |
| Net operating income | $239,000 | 7,850 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,527,000 | 9,037 |
| Total interest expense | $845,000 | 8,574 |
| Net interest income | $682,000 | 9,323 |
| Provision for loan and lease losses | $270,000 | 2,899 |
| Total noninterest income | $25,000 | 9,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 8,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,524 |
| Total noninterest expense | $1,278,000 | 7,358 |
| Salaries and employee benefits | $522,000 | 8,210 |
| Premises and equipment expense | $177,000 | 7,184 |
| Additional noninterest expense | $579,000 | 5,955 |
| Pre-tax net operating income | $-841,000 | 10,013 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-841,000 | 10,043 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-841,000 | 10,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $6,596,000 | 175 |
| Net operating income | $-841,000 | 10,032 |
* 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.