Home > Heritage Bank of Central Illinois > Income and Expense
Heritage Bank of Central Illinois, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $759,000 | 5,601 |
| Total interest expense | $57,000 | 5,540 |
| Net interest income | $702,000 | 5,586 |
| Provision for loan and lease losses | $20,000 | 3,524 |
| Total noninterest income | $123,000 | 4,942 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $37,000 | 4,920 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $86,000 | 4,579 |
| Total noninterest expense | $1,223,000 | 4,650 |
| Salaries and employee benefits | $563,000 | 4,911 |
| Premises and equipment expense | $76,000 | 5,268 |
| Additional noninterest expense | $584,000 | 3,932 |
| Pre-tax net operating income | $-418,000 | 5,967 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $-418,000 | 5,972 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-418,000 | 5,971 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-418,000 | 5,971 |
| Net charge-offs | $3,000 | 3,433 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $-418,000 | 5,963 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 2,697 |
| Total interest expense | $276,000 | 2,272 |
| Net interest income | $1,909,000 | 2,717 |
| Provision for loan and lease losses | $-347,000 | 6,053 |
| Total noninterest income | $314,000 | 2,666 |
| Gross Fiduciary activities income | $2,000 | 992 |
| Service charges on deposit accounts | $102,000 | 2,396 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $210,000 | 2,557 |
| Total noninterest expense | $1,796,000 | 2,524 |
| Salaries and employee benefits | $1,043,000 | 2,439 |
| Premises and equipment expense | $236,000 | 2,254 |
| Additional noninterest expense | $517,000 | 2,712 |
| Pre-tax net operating income | $774,000 | 2,319 |
| Securities gains (losses) | $352,000 | 178 |
| Applicable income taxes | $353,000 | 1,338 |
| Income before extraordinary items | $773,000 | 2,047 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $773,000 | 2,047 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $773,000 | 2,047 |
| Net charge-offs | $244,000 | 569 |
| Cash dividends | $1,500,000 | 531 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $530,120 | 2,606 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $9,607,000 | 2,444 |
| Total interest expense | $1,123,000 | 2,224 |
| Net interest income | $8,484,000 | 2,454 |
| Provision for loan and lease losses | $2,084,000 | 435 |
| Total noninterest income | $1,642,000 | 2,371 |
| Gross Fiduciary activities income | $29,000 | 950 |
| Service charges on deposit accounts | $479,000 | 2,212 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,134,000 | 2,213 |
| Total noninterest expense | $8,208,000 | 2,244 |
| Salaries and employee benefits | $4,958,000 | 2,072 |
| Premises and equipment expense | $984,000 | 2,199 |
| Additional noninterest expense | $2,266,000 | 2,528 |
| Pre-tax net operating income | $-166,000 | 5,956 |
| Securities gains (losses) | $465,000 | 377 |
| Applicable income taxes | $11,000 | 4,073 |
| Income before extraordinary items | $288,000 | 5,268 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $288,000 | 5,271 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $288,000 | 5,271 |
| Net charge-offs | $2,301,000 | 333 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $-158,400 | 5,957 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $7,360,000 | 2,421 |
| Total interest expense | $844,000 | 2,247 |
| Net interest income | $6,516,000 | 2,421 |
| Provision for loan and lease losses | $1,330,000 | 465 |
| Total noninterest income | $1,312,000 | 2,302 |
| Gross Fiduciary activities income | $26,000 | 927 |
| Service charges on deposit accounts | $369,000 | 2,178 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $917,000 | 2,138 |
| Total noninterest expense | $6,222,000 | 2,222 |
| Salaries and employee benefits | $3,774,000 | 2,053 |
| Premises and equipment expense | $749,000 | 2,214 |
| Additional noninterest expense | $1,699,000 | 2,538 |
| Pre-tax net operating income | $276,000 | 5,272 |
| Securities gains (losses) | $153,000 | 787 |
| Applicable income taxes | $35,000 | 3,777 |
| Income before extraordinary items | $394,000 | 4,862 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $394,000 | 4,864 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $394,000 | 4,866 |
| Net charge-offs | $341,000 | 1,115 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $253,240 | 5,212 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,910,000 | 2,425 |
| Total interest expense | $557,000 | 2,277 |
| Net interest income | $4,353,000 | 2,427 |
| Provision for loan and lease losses | $740,000 | 552 |
| Total noninterest income | $897,000 | 2,270 |
| Gross Fiduciary activities income | $24,000 | 911 |
| Service charges on deposit accounts | $246,000 | 2,130 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $627,000 | 2,104 |
| Total noninterest expense | $4,169,000 | 2,226 |
| Salaries and employee benefits | $2,509,000 | 2,076 |
| Premises and equipment expense | $499,000 | 2,228 |
| Additional noninterest expense | $1,161,000 | 2,506 |
| Pre-tax net operating income | $341,000 | 4,687 |
| Securities gains (losses) | $153,000 | 640 |
| Applicable income taxes | $86,000 | 3,123 |
| Income before extraordinary items | $408,000 | 4,269 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $408,000 | 4,271 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $408,000 | 4,272 |
| Net charge-offs | $849,000 | 395 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $281,010 | 4,712 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 2,400 |
| Total interest expense | $272,000 | 2,337 |
| Net interest income | $2,207,000 | 2,403 |
| Provision for loan and lease losses | $187,000 | 940 |
| Total noninterest income | $359,000 | 2,551 |
| Gross Fiduciary activities income | $9,000 | 937 |
| Service charges on deposit accounts | $118,000 | 2,199 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $232,000 | 2,443 |
| Total noninterest expense | $2,013,000 | 2,294 |
| Salaries and employee benefits | $1,251,000 | 2,081 |
| Premises and equipment expense | $252,000 | 2,236 |
| Additional noninterest expense | $510,000 | 2,743 |
| Pre-tax net operating income | $366,000 | 3,537 |
| Securities gains (losses) | $112,000 | 548 |
| Applicable income taxes | $143,000 | 2,137 |
| Income before extraordinary items | $335,000 | 3,446 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $335,000 | 3,449 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $335,000 | 3,449 |
| Net charge-offs | $-113,000 | 6,144 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $256,600 | 3,832 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $10,228,000 | 2,351 |
| Total interest expense | $1,140,000 | 2,348 |
| Net interest income | $9,088,000 | 2,343 |
| Provision for loan and lease losses | $700,000 | 1,131 |
| Total noninterest income | $1,826,000 | 2,246 |
| Gross Fiduciary activities income | $43,000 | 945 |
| Service charges on deposit accounts | $560,000 | 2,077 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,223,000 | 2,044 |
| Total noninterest expense | $8,512,000 | 2,203 |
| Salaries and employee benefits | $5,130,000 | 1,992 |
| Premises and equipment expense | $997,000 | 2,243 |
| Additional noninterest expense | $2,385,000 | 2,497 |
| Pre-tax net operating income | $1,702,000 | 3,259 |
| Securities gains (losses) | $59,000 | 1,621 |
| Applicable income taxes | $-333,000 | 6,352 |
| Income before extraordinary items | $2,094,000 | 2,622 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $2,094,000 | 2,620 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,094,000 | 2,622 |
| Net charge-offs | $331,000 | 1,914 |
| Cash dividends | $1,825,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,035,000 | 2,628 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,670,000 | 2,367 |
| Total interest expense | $855,000 | 2,393 |
| Net interest income | $6,815,000 | 2,343 |
| Provision for loan and lease losses | $418,000 | 1,341 |
| Total noninterest income | $1,408,000 | 2,200 |
| Gross Fiduciary activities income | $26,000 | 954 |
| Service charges on deposit accounts | $421,000 | 2,080 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $961,000 | 1,992 |
| Total noninterest expense | $6,371,000 | 2,215 |
| Salaries and employee benefits | $3,831,000 | 2,010 |
| Premises and equipment expense | $756,000 | 2,246 |
| Additional noninterest expense | $1,784,000 | 2,521 |
| Pre-tax net operating income | $1,434,000 | 3,114 |
| Securities gains (losses) | $59,000 | 1,345 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $1,493,000 | 2,735 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,493,000 | 2,735 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,493,000 | 2,735 |
| Net charge-offs | $207,000 | 1,950 |
| Cash dividends | $725,000 | 1,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,434,000 | 2,764 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $5,057,000 | 2,383 |
| Total interest expense | $576,000 | 2,396 |
| Net interest income | $4,481,000 | 2,363 |
| Provision for loan and lease losses | $414,000 | 980 |
| Total noninterest income | $972,000 | 2,137 |
| Gross Fiduciary activities income | $18,000 | 954 |
| Service charges on deposit accounts | $275,000 | 2,088 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $679,000 | 1,889 |
| Total noninterest expense | $4,283,000 | 2,191 |
| Salaries and employee benefits | $2,547,000 | 2,022 |
| Premises and equipment expense | $514,000 | 2,224 |
| Additional noninterest expense | $1,222,000 | 2,440 |
| Pre-tax net operating income | $756,000 | 3,490 |
| Securities gains (losses) | $28,000 | 1,480 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $784,000 | 3,126 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $784,000 | 3,132 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $784,000 | 3,132 |
| Net charge-offs | $119,000 | 2,029 |
| Cash dividends | $725,000 | 1,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $756,000 | 3,166 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,631,000 | 2,292 |
| Total interest expense | $297,000 | 2,381 |
| Net interest income | $2,334,000 | 2,260 |
| Provision for loan and lease losses | $212,000 | 950 |
| Total noninterest income | $373,000 | 2,482 |
| Gross Fiduciary activities income | $8,000 | 964 |
| Service charges on deposit accounts | $132,000 | 2,157 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $233,000 | 2,342 |
| Total noninterest expense | $2,137,000 | 2,207 |
| Salaries and employee benefits | $1,270,000 | 2,042 |
| Premises and equipment expense | $255,000 | 2,272 |
| Additional noninterest expense | $612,000 | 2,442 |
| Pre-tax net operating income | $358,000 | 3,499 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $358,000 | 3,216 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $358,000 | 3,219 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $358,000 | 3,219 |
| Net charge-offs | $344,000 | 654 |
| Cash dividends | $100,000 | 2,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $358,000 | 3,183 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $11,374,000 | 2,146 |
| Total interest expense | $1,297,000 | 2,428 |
| Net interest income | $10,077,000 | 2,082 |
| Provision for loan and lease losses | $6,950,000 | 214 |
| Total noninterest income | $1,688,000 | 2,399 |
| Gross Fiduciary activities income | $44,000 | 958 |
| Service charges on deposit accounts | $606,000 | 2,048 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,038,000 | 2,332 |
| Total noninterest expense | $10,017,000 | 1,897 |
| Salaries and employee benefits | $5,184,000 | 1,968 |
| Premises and equipment expense | $949,000 | 2,350 |
| Additional noninterest expense | $3,884,000 | 1,655 |
| Pre-tax net operating income | $-5,202,000 | 6,757 |
| Securities gains (losses) | $188,000 | 931 |
| Applicable income taxes | $-987,000 | 6,690 |
| Income before extraordinary items | $-4,027,000 | 6,743 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,027,000 | 6,743 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-4,027,000 | 6,743 |
| Net charge-offs | $6,996,000 | 253 |
| Cash dividends | $800,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-4,177,400 | 6,743 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $8,528,000 | 2,165 |
| Total interest expense | $980,000 | 2,478 |
| Net interest income | $7,548,000 | 2,086 |
| Provision for loan and lease losses | $1,205,000 | 770 |
| Total noninterest income | $1,311,000 | 2,390 |
| Gross Fiduciary activities income | $25,000 | 974 |
| Service charges on deposit accounts | $448,000 | 2,076 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $838,000 | 2,291 |
| Total noninterest expense | $6,403,000 | 2,216 |
| Salaries and employee benefits | $3,901,000 | 1,967 |
| Premises and equipment expense | $720,000 | 2,357 |
| Additional noninterest expense | $1,782,000 | 2,574 |
| Pre-tax net operating income | $1,251,000 | 3,278 |
| Securities gains (losses) | $113,000 | 1,142 |
| Applicable income taxes | $430,000 | 2,066 |
| Income before extraordinary items | $934,000 | 3,554 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $934,000 | 3,556 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $934,000 | 3,558 |
| Net charge-offs | $395,000 | 1,834 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $857,160 | 3,626 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,681,000 | 2,174 |
| Total interest expense | $653,000 | 2,537 |
| Net interest income | $5,028,000 | 2,080 |
| Provision for loan and lease losses | $300,000 | 1,629 |
| Total noninterest income | $936,000 | 2,313 |
| Gross Fiduciary activities income | $17,000 | 982 |
| Service charges on deposit accounts | $279,000 | 2,168 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $640,000 | 2,145 |
| Total noninterest expense | $4,270,000 | 2,214 |
| Salaries and employee benefits | $2,614,000 | 1,970 |
| Premises and equipment expense | $469,000 | 2,404 |
| Additional noninterest expense | $1,187,000 | 2,566 |
| Pre-tax net operating income | $1,394,000 | 2,329 |
| Securities gains (losses) | $113,000 | 1,035 |
| Applicable income taxes | $525,000 | 1,464 |
| Income before extraordinary items | $982,000 | 2,682 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $982,000 | 2,687 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $982,000 | 2,687 |
| Net charge-offs | $321,000 | 1,628 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $908,550 | 2,733 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,873,000 | 2,162 |
| Total interest expense | $332,000 | 2,561 |
| Net interest income | $2,541,000 | 2,068 |
| Provision for loan and lease losses | $225,000 | 1,230 |
| Total noninterest income | $484,000 | 2,275 |
| Gross Fiduciary activities income | $9,000 | 976 |
| Service charges on deposit accounts | $128,000 | 2,308 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $347,000 | 2,027 |
| Total noninterest expense | $2,132,000 | 2,229 |
| Salaries and employee benefits | $1,324,000 | 1,964 |
| Premises and equipment expense | $243,000 | 2,362 |
| Additional noninterest expense | $565,000 | 2,688 |
| Pre-tax net operating income | $668,000 | 2,357 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $228,000 | 1,583 |
| Income before extraordinary items | $440,000 | 2,843 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $440,000 | 2,845 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $440,000 | 2,845 |
| Net charge-offs | $244,000 | 1,209 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $440,000 | 2,746 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $12,687,000 | 2,061 |
| Total interest expense | $1,798,000 | 2,341 |
| Net interest income | $10,889,000 | 2,002 |
| Provision for loan and lease losses | $2,614,000 | 863 |
| Total noninterest income | $2,121,000 | 2,100 |
| Gross Fiduciary activities income | $32,000 | 1,015 |
| Service charges on deposit accounts | $667,000 | 1,980 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,422,000 | 1,920 |
| Total noninterest expense | $8,880,000 | 2,145 |
| Salaries and employee benefits | $5,311,000 | 1,896 |
| Premises and equipment expense | $1,034,000 | 2,221 |
| Additional noninterest expense | $2,535,000 | 2,531 |
| Pre-tax net operating income | $1,516,000 | 3,318 |
| Securities gains (losses) | $56,000 | 2,652 |
| Applicable income taxes | $431,000 | 2,327 |
| Income before extraordinary items | $1,141,000 | 3,660 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,141,000 | 3,662 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,141,000 | 3,663 |
| Net charge-offs | $3,732,000 | 726 |
| Cash dividends | $2,000,000 | 1,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,100,120 | 3,552 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $9,621,000 | 2,081 |
| Total interest expense | $1,418,000 | 2,321 |
| Net interest income | $8,203,000 | 2,026 |
| Provision for loan and lease losses | $2,283,000 | 768 |
| Total noninterest income | $1,601,000 | 2,094 |
| Gross Fiduciary activities income | $25,000 | 1,000 |
| Service charges on deposit accounts | $503,000 | 1,992 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,073,000 | 1,905 |
| Total noninterest expense | $6,611,000 | 2,172 |
| Salaries and employee benefits | $3,935,000 | 1,916 |
| Premises and equipment expense | $775,000 | 2,249 |
| Additional noninterest expense | $1,901,000 | 2,540 |
| Pre-tax net operating income | $910,000 | 3,804 |
| Securities gains (losses) | $56,000 | 2,372 |
| Applicable income taxes | $257,000 | 2,612 |
| Income before extraordinary items | $709,000 | 4,090 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $709,000 | 4,091 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $709,000 | 4,091 |
| Net charge-offs | $2,342,000 | 829 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $668,120 | 4,003 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,498,000 | 2,065 |
| Total interest expense | $996,000 | 2,291 |
| Net interest income | $5,502,000 | 2,008 |
| Provision for loan and lease losses | $1,482,000 | 811 |
| Total noninterest income | $1,096,000 | 2,027 |
| Gross Fiduciary activities income | $16,000 | 1,007 |
| Service charges on deposit accounts | $333,000 | 1,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $747,000 | 1,835 |
| Total noninterest expense | $4,441,000 | 2,172 |
| Salaries and employee benefits | $2,649,000 | 1,894 |
| Premises and equipment expense | $528,000 | 2,183 |
| Additional noninterest expense | $1,264,000 | 2,551 |
| Pre-tax net operating income | $675,000 | 3,599 |
| Securities gains (losses) | $56,000 | 1,984 |
| Applicable income taxes | $211,000 | 2,399 |
| Income before extraordinary items | $520,000 | 3,917 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $520,000 | 3,919 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $520,000 | 3,920 |
| Net charge-offs | $1,227,000 | 987 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $480,240 | 3,866 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,343,000 | 2,016 |
| Total interest expense | $530,000 | 2,255 |
| Net interest income | $2,813,000 | 1,970 |
| Provision for loan and lease losses | $1,285,000 | 511 |
| Total noninterest income | $546,000 | 2,028 |
| Gross Fiduciary activities income | $8,000 | 1,001 |
| Service charges on deposit accounts | $171,000 | 1,937 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $367,000 | 1,864 |
| Total noninterest expense | $2,218,000 | 2,152 |
| Salaries and employee benefits | $1,332,000 | 1,884 |
| Premises and equipment expense | $266,000 | 2,166 |
| Additional noninterest expense | $620,000 | 2,578 |
| Pre-tax net operating income | $-144,000 | 6,792 |
| Securities gains (losses) | $14,000 | 1,707 |
| Applicable income taxes | $-72,000 | 7,138 |
| Income before extraordinary items | $-58,000 | 6,732 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-58,000 | 6,734 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-58,000 | 6,734 |
| Net charge-offs | $70,000 | 2,758 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-66,960 | 6,682 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,245,000 | 1,975 |
| Total interest expense | $3,130,000 | 1,887 |
| Net interest income | $11,115,000 | 1,969 |
| Provision for loan and lease losses | $1,918,000 | 1,618 |
| Total noninterest income | $1,901,000 | 2,084 |
| Gross Fiduciary activities income | $33,000 | 973 |
| Service charges on deposit accounts | $844,000 | 1,712 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,024,000 | 2,102 |
| Total noninterest expense | $8,917,000 | 2,142 |
| Salaries and employee benefits | $5,055,000 | 1,921 |
| Premises and equipment expense | $1,079,000 | 2,246 |
| Additional noninterest expense | $2,783,000 | 2,350 |
| Pre-tax net operating income | $2,181,000 | 2,351 |
| Securities gains (losses) | $74,000 | 2,291 |
| Applicable income taxes | $769,000 | 1,598 |
| Income before extraordinary items | $1,486,000 | 2,787 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,486,000 | 2,790 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,486,000 | 2,790 |
| Net charge-offs | $2,546,000 | 1,334 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,437,160 | 2,757 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,724,000 | 1,993 |
| Total interest expense | $2,493,000 | 1,853 |
| Net interest income | $8,231,000 | 2,002 |
| Provision for loan and lease losses | $1,446,000 | 1,544 |
| Total noninterest income | $1,338,000 | 2,181 |
| Gross Fiduciary activities income | $25,000 | 947 |
| Service charges on deposit accounts | $644,000 | 1,689 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $669,000 | 2,275 |
| Total noninterest expense | $6,583,000 | 2,180 |
| Salaries and employee benefits | $3,759,000 | 1,929 |
| Premises and equipment expense | $807,000 | 2,281 |
| Additional noninterest expense | $2,017,000 | 2,441 |
| Pre-tax net operating income | $1,540,000 | 2,523 |
| Securities gains (losses) | $73,000 | 2,043 |
| Applicable income taxes | $544,000 | 1,664 |
| Income before extraordinary items | $1,069,000 | 2,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,069,000 | 2,932 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,069,000 | 2,932 |
| Net charge-offs | $1,832,000 | 1,301 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,020,820 | 2,923 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,182,000 | 1,995 |
| Total interest expense | $1,722,000 | 1,857 |
| Net interest income | $5,460,000 | 2,015 |
| Provision for loan and lease losses | $959,000 | 1,528 |
| Total noninterest income | $840,000 | 2,258 |
| Gross Fiduciary activities income | $17,000 | 956 |
| Service charges on deposit accounts | $412,000 | 1,727 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $411,000 | 2,400 |
| Total noninterest expense | $4,413,000 | 2,189 |
| Salaries and employee benefits | $2,505,000 | 1,946 |
| Premises and equipment expense | $538,000 | 2,296 |
| Additional noninterest expense | $1,370,000 | 2,443 |
| Pre-tax net operating income | $928,000 | 2,668 |
| Securities gains (losses) | $63,000 | 1,448 |
| Applicable income taxes | $329,000 | 1,703 |
| Income before extraordinary items | $662,000 | 3,012 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $662,000 | 3,014 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $662,000 | 3,014 |
| Net charge-offs | $1,186,000 | 1,332 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $619,790 | 3,046 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,606,000 | 1,995 |
| Total interest expense | $905,000 | 1,826 |
| Net interest income | $2,701,000 | 2,026 |
| Provision for loan and lease losses | $532,000 | 1,375 |
| Total noninterest income | $414,000 | 2,302 |
| Gross Fiduciary activities income | $10,000 | 944 |
| Service charges on deposit accounts | $193,000 | 1,793 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $211,000 | 2,397 |
| Total noninterest expense | $2,247,000 | 2,150 |
| Salaries and employee benefits | $1,260,000 | 1,946 |
| Premises and equipment expense | $276,000 | 2,286 |
| Additional noninterest expense | $711,000 | 2,334 |
| Pre-tax net operating income | $336,000 | 3,312 |
| Securities gains (losses) | $56,000 | 723 |
| Applicable income taxes | $125,000 | 1,953 |
| Income before extraordinary items | $267,000 | 3,453 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $267,000 | 3,450 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $267,000 | 3,451 |
| Net charge-offs | $979,000 | 873 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $228,920 | 3,687 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,432,000 | 1,841 |
| Total interest expense | $5,143,000 | 1,619 |
| Net interest income | $11,289,000 | 1,926 |
| Provision for loan and lease losses | $3,601,000 | 1,429 |
| Total noninterest income | $1,730,000 | 2,304 |
| Gross Fiduciary activities income | $40,000 | 982 |
| Service charges on deposit accounts | $890,000 | 1,663 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $800,000 | 2,497 |
| Total noninterest expense | $9,129,000 | 2,123 |
| Salaries and employee benefits | $4,996,000 | 1,944 |
| Premises and equipment expense | $1,205,000 | 2,097 |
| Additional noninterest expense | $2,928,000 | 2,327 |
| Pre-tax net operating income | $289,000 | 4,938 |
| Securities gains (losses) | $84,000 | 2,306 |
| Applicable income taxes | $-9,000 | 6,559 |
| Income before extraordinary items | $382,000 | 4,679 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $382,000 | 4,680 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $382,000 | 4,680 |
| Net charge-offs | $4,052,000 | 1,198 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $298,000 | 4,806 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,630,000 | 1,836 |
| Total interest expense | $4,092,000 | 1,588 |
| Net interest income | $8,538,000 | 1,944 |
| Provision for loan and lease losses | $1,844,000 | 1,752 |
| Total noninterest income | $994,000 | 2,752 |
| Gross Fiduciary activities income | $31,000 | 973 |
| Service charges on deposit accounts | $666,000 | 1,716 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $297,000 | 3,565 |
| Total noninterest expense | $6,762,000 | 2,145 |
| Salaries and employee benefits | $3,666,000 | 1,986 |
| Premises and equipment expense | $906,000 | 2,112 |
| Additional noninterest expense | $2,190,000 | 2,300 |
| Pre-tax net operating income | $926,000 | 3,226 |
| Securities gains (losses) | $46,000 | 2,464 |
| Applicable income taxes | $214,000 | 2,488 |
| Income before extraordinary items | $758,000 | 3,366 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $758,000 | 3,365 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $758,000 | 3,366 |
| Net charge-offs | $1,410,000 | 1,835 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $722,120 | 3,331 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,607,000 | 1,814 |
| Total interest expense | $2,891,000 | 1,555 |
| Net interest income | $5,716,000 | 1,953 |
| Provision for loan and lease losses | $1,233,000 | 1,719 |
| Total noninterest income | $465,000 | 3,352 |
| Gross Fiduciary activities income | $22,000 | 975 |
| Service charges on deposit accounts | $432,000 | 1,759 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $11,000 | 6,798 |
| Total noninterest expense | $4,489,000 | 2,157 |
| Salaries and employee benefits | $2,395,000 | 2,026 |
| Premises and equipment expense | $612,000 | 2,110 |
| Additional noninterest expense | $1,482,000 | 2,281 |
| Pre-tax net operating income | $459,000 | 3,771 |
| Securities gains (losses) | $25,000 | 2,268 |
| Applicable income taxes | $117,000 | 2,647 |
| Income before extraordinary items | $367,000 | 3,932 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $367,000 | 3,930 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $367,000 | 3,931 |
| Net charge-offs | $1,010,000 | 1,715 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $348,000 | 3,900 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,416,000 | 1,812 |
| Total interest expense | $1,538,000 | 1,534 |
| Net interest income | $2,878,000 | 1,967 |
| Provision for loan and lease losses | $1,080,000 | 1,108 |
| Total noninterest income | $343,000 | 2,621 |
| Gross Fiduciary activities income | $11,000 | 971 |
| Service charges on deposit accounts | $208,000 | 1,818 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $124,000 | 3,150 |
| Total noninterest expense | $2,256,000 | 2,160 |
| Salaries and employee benefits | $1,156,000 | 2,133 |
| Premises and equipment expense | $319,000 | 2,092 |
| Additional noninterest expense | $781,000 | 2,169 |
| Pre-tax net operating income | $-115,000 | 6,691 |
| Securities gains (losses) | $2,000 | 2,064 |
| Applicable income taxes | $-60,000 | 7,362 |
| Income before extraordinary items | $-53,000 | 6,630 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-53,000 | 6,632 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-53,000 | 6,631 |
| Net charge-offs | $-9,000 | 7,459 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-54,280 | 6,560 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,485,000 | 1,756 |
| Total interest expense | $8,198,000 | 1,459 |
| Net interest income | $11,287,000 | 1,961 |
| Provision for loan and lease losses | $3,933,000 | 1,669 |
| Total noninterest income | $2,016,000 | 2,119 |
| Gross Fiduciary activities income | $40,000 | 992 |
| Service charges on deposit accounts | $979,000 | 1,720 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $997,000 | 2,145 |
| Total noninterest expense | $11,190,000 | 1,823 |
| Salaries and employee benefits | $5,254,000 | 1,883 |
| Premises and equipment expense | $1,330,000 | 2,004 |
| Additional noninterest expense | $4,606,000 | 1,618 |
| Pre-tax net operating income | $-1,820,000 | 6,572 |
| Securities gains (losses) | $198,000 | 1,561 |
| Applicable income taxes | $-761,000 | 7,187 |
| Income before extraordinary items | $-861,000 | 6,292 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-861,000 | 6,291 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-861,000 | 6,291 |
| Net charge-offs | $2,582,000 | 1,765 |
| Cash dividends | $825,000 | 1,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-987,720 | 6,370 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $14,852,000 | 1,745 |
| Total interest expense | $6,424,000 | 1,467 |
| Net interest income | $8,428,000 | 1,959 |
| Provision for loan and lease losses | $2,909,000 | 1,510 |
| Total noninterest income | $1,508,000 | 2,165 |
| Gross Fiduciary activities income | $29,000 | 980 |
| Service charges on deposit accounts | $720,000 | 1,754 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $759,000 | 2,187 |
| Total noninterest expense | $7,390,000 | 2,040 |
| Salaries and employee benefits | $3,924,000 | 1,904 |
| Premises and equipment expense | $1,000,000 | 2,019 |
| Additional noninterest expense | $2,466,000 | 2,134 |
| Pre-tax net operating income | $-363,000 | 6,199 |
| Securities gains (losses) | $119,000 | 1,691 |
| Applicable income taxes | $-276,000 | 7,181 |
| Income before extraordinary items | $32,000 | 5,649 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $32,000 | 5,649 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $32,000 | 5,649 |
| Net charge-offs | $1,720,000 | 1,651 |
| Cash dividends | $825,000 | 1,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-44,160 | 5,821 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,975,000 | 1,764 |
| Total interest expense | $4,462,000 | 1,484 |
| Net interest income | $5,513,000 | 1,990 |
| Provision for loan and lease losses | $2,403,000 | 1,255 |
| Total noninterest income | $999,000 | 2,196 |
| Gross Fiduciary activities income | $19,000 | 991 |
| Service charges on deposit accounts | $449,000 | 1,833 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $531,000 | 2,132 |
| Total noninterest expense | $4,924,000 | 2,059 |
| Salaries and employee benefits | $2,645,000 | 1,916 |
| Premises and equipment expense | $680,000 | 2,021 |
| Additional noninterest expense | $1,599,000 | 2,203 |
| Pre-tax net operating income | $-815,000 | 6,909 |
| Securities gains (losses) | $44,000 | 1,988 |
| Applicable income taxes | $-423,000 | 7,539 |
| Income before extraordinary items | $-348,000 | 6,592 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-348,000 | 6,592 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-348,000 | 6,592 |
| Net charge-offs | $1,472,000 | 1,352 |
| Cash dividends | $825,000 | 1,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-376,160 | 6,610 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,025,000 | 1,779 |
| Total interest expense | $2,380,000 | 1,457 |
| Net interest income | $2,645,000 | 2,067 |
| Provision for loan and lease losses | $1,571,000 | 886 |
| Total noninterest income | $475,000 | 2,221 |
| Gross Fiduciary activities income | $10,000 | 991 |
| Service charges on deposit accounts | $222,000 | 1,801 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $243,000 | 2,233 |
| Total noninterest expense | $2,348,000 | 2,112 |
| Salaries and employee benefits | $1,291,000 | 1,991 |
| Premises and equipment expense | $351,000 | 1,997 |
| Additional noninterest expense | $706,000 | 2,215 |
| Pre-tax net operating income | $-799,000 | 7,541 |
| Securities gains (losses) | $66,000 | 1,179 |
| Applicable income taxes | $-385,000 | 7,853 |
| Income before extraordinary items | $-348,000 | 7,272 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-348,000 | 7,273 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-348,000 | 7,273 |
| Net charge-offs | $590,000 | 1,263 |
| Cash dividends | $225,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-390,240 | 7,290 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $21,394,000 | 1,795 |
| Total interest expense | $11,476,000 | 1,429 |
| Net interest income | $9,918,000 | 2,243 |
| Provision for loan and lease losses | $1,197,000 | 2,460 |
| Total noninterest income | $1,836,000 | 2,269 |
| Gross Fiduciary activities income | $23,000 | 1,092 |
| Service charges on deposit accounts | $920,000 | 1,881 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $893,000 | 2,299 |
| Total noninterest expense | $9,141,000 | 2,103 |
| Salaries and employee benefits | $5,047,000 | 2,001 |
| Premises and equipment expense | $1,462,000 | 1,877 |
| Additional noninterest expense | $2,632,000 | 2,247 |
| Pre-tax net operating income | $1,416,000 | 3,125 |
| Securities gains (losses) | $-265,000 | 7,401 |
| Applicable income taxes | $286,000 | 2,456 |
| Income before extraordinary items | $865,000 | 3,558 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $865,000 | 3,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,435,000 | 1,600 |
| Cash dividends | $125,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,063,750 | 3,317 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,252,000 | 1,820 |
| Total interest expense | $8,830,000 | 1,443 |
| Net interest income | $7,422,000 | 2,258 |
| Provision for loan and lease losses | $787,000 | 2,116 |
| Total noninterest income | $1,384,000 | 2,340 |
| Gross Fiduciary activities income | $15,000 | 1,088 |
| Service charges on deposit accounts | $660,000 | 1,964 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $709,000 | 2,299 |
| Total noninterest expense | $6,831,000 | 2,109 |
| Salaries and employee benefits | $3,797,000 | 2,027 |
| Premises and equipment expense | $1,085,000 | 1,884 |
| Additional noninterest expense | $1,949,000 | 2,215 |
| Pre-tax net operating income | $1,188,000 | 3,335 |
| Securities gains (losses) | $73,000 | 1,166 |
| Applicable income taxes | $372,000 | 2,242 |
| Income before extraordinary items | $889,000 | 3,352 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $889,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,426,000 | 1,056 |
| Cash dividends | $125,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $837,900 | 3,606 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,860,000 | 1,841 |
| Total interest expense | $6,054,000 | 1,458 |
| Net interest income | $4,806,000 | 2,296 |
| Provision for loan and lease losses | $378,000 | 2,230 |
| Total noninterest income | $876,000 | 2,459 |
| Gross Fiduciary activities income | $8,000 | 1,154 |
| Service charges on deposit accounts | $408,000 | 2,072 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $460,000 | 2,372 |
| Total noninterest expense | $4,457,000 | 2,153 |
| Salaries and employee benefits | $2,445,000 | 2,118 |
| Premises and equipment expense | $720,000 | 1,889 |
| Additional noninterest expense | $1,292,000 | 2,193 |
| Pre-tax net operating income | $847,000 | 3,313 |
| Securities gains (losses) | $67,000 | 1,234 |
| Applicable income taxes | $255,000 | 2,399 |
| Income before extraordinary items | $659,000 | 3,433 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $659,000 | 3,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,166,000 | 782 |
| Cash dividends | $125,000 | 3,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $610,760 | 3,547 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,594,000 | 1,833 |
| Total interest expense | $3,201,000 | 1,467 |
| Net interest income | $2,393,000 | 2,296 |
| Provision for loan and lease losses | $167,000 | 2,012 |
| Total noninterest income | $429,000 | 2,481 |
| Gross Fiduciary activities income | $2,000 | 1,203 |
| Service charges on deposit accounts | $193,000 | 2,136 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $234,000 | 2,325 |
| Total noninterest expense | $2,167,000 | 2,203 |
| Salaries and employee benefits | $1,193,000 | 2,205 |
| Premises and equipment expense | $382,000 | 1,796 |
| Additional noninterest expense | $592,000 | 2,339 |
| Pre-tax net operating income | $488,000 | 3,115 |
| Securities gains (losses) | $49,000 | 1,096 |
| Applicable income taxes | $153,000 | 2,294 |
| Income before extraordinary items | $384,000 | 3,277 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $384,000 | 3,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 872 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $348,720 | 3,391 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,977,000 | 1,777 |
| Total interest expense | $14,420,000 | 1,393 |
| Net interest income | $9,557,000 | 2,327 |
| Provision for loan and lease losses | $654,000 | 1,939 |
| Total noninterest income | $1,599,000 | 2,589 |
| Gross Fiduciary activities income | $2,000 | 1,406 |
| Service charges on deposit accounts | $870,000 | 1,990 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $727,000 | 2,700 |
| Total noninterest expense | $8,771,000 | 2,099 |
| Salaries and employee benefits | $4,580,000 | 2,197 |
| Premises and equipment expense | $1,601,000 | 1,651 |
| Additional noninterest expense | $2,590,000 | 2,119 |
| Pre-tax net operating income | $1,731,000 | 3,622 |
| Securities gains (losses) | $27,000 | 1,002 |
| Applicable income taxes | $498,000 | 2,740 |
| Income before extraordinary items | $1,260,000 | 3,838 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,260,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,431,000 | 783 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,240,560 | 3,865 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,064,000 | 1,773 |
| Total interest expense | $10,858,000 | 1,385 |
| Net interest income | $7,206,000 | 2,334 |
| Provision for loan and lease losses | $606,000 | 1,335 |
| Total noninterest income | $1,180,000 | 2,614 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $654,000 | 1,966 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $525,000 | 2,766 |
| Total noninterest expense | $6,420,000 | 2,115 |
| Salaries and employee benefits | $3,257,000 | 2,311 |
| Premises and equipment expense | $1,208,000 | 1,634 |
| Additional noninterest expense | $1,955,000 | 2,058 |
| Pre-tax net operating income | $1,360,000 | 3,673 |
| Securities gains (losses) | $21,000 | 820 |
| Applicable income taxes | $138,000 | 4,129 |
| Income before extraordinary items | $1,243,000 | 3,386 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,243,000 | 3,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,379,000 | 526 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,224,100 | 3,403 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,926,000 | 1,809 |
| Total interest expense | $7,220,000 | 1,393 |
| Net interest income | $4,706,000 | 2,403 |
| Provision for loan and lease losses | $600,000 | 869 |
| Total noninterest income | $761,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $434,000 | 1,981 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $327,000 | 2,885 |
| Total noninterest expense | $4,289,000 | 2,142 |
| Salaries and employee benefits | $2,161,000 | 2,364 |
| Premises and equipment expense | $787,000 | 1,691 |
| Additional noninterest expense | $1,341,000 | 2,008 |
| Pre-tax net operating income | $578,000 | 4,757 |
| Securities gains (losses) | $19,000 | 721 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $597,000 | 4,174 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $597,000 | 4,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,320,000 | 373 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $578,000 | 4,231 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,928,000 | 1,820 |
| Total interest expense | $3,578,000 | 1,390 |
| Net interest income | $2,350,000 | 2,412 |
| Provision for loan and lease losses | $600,000 | 449 |
| Total noninterest income | $394,000 | 2,589 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $220,000 | 1,906 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $174,000 | 2,761 |
| Total noninterest expense | $2,011,000 | 2,280 |
| Salaries and employee benefits | $1,013,000 | 2,532 |
| Premises and equipment expense | $394,000 | 1,697 |
| Additional noninterest expense | $604,000 | 2,184 |
| Pre-tax net operating income | $133,000 | 6,260 |
| Securities gains (losses) | $10,000 | 691 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $143,000 | 5,743 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $143,000 | 5,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,008,000 | 243 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $133,000 | 5,868 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,668,000 | 1,782 |
| Total interest expense | $12,541,000 | 1,340 |
| Net interest income | $10,127,000 | 2,270 |
| Provision for loan and lease losses | $4,885,000 | 246 |
| Total noninterest income | $1,406,000 | 2,825 |
| Gross Fiduciary activities income | $1,000 | 1,470 |
| Service charges on deposit accounts | $852,000 | 2,011 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $553,000 | 3,164 |
| Total noninterest expense | $6,953,000 | 2,533 |
| Salaries and employee benefits | $3,585,000 | 2,695 |
| Premises and equipment expense | $1,360,000 | 1,851 |
| Additional noninterest expense | $2,008,000 | 2,560 |
| Pre-tax net operating income | $-305,000 | 8,169 |
| Securities gains (losses) | $-5,000 | 7,083 |
| Applicable income taxes | $-200,000 | 8,453 |
| Income before extraordinary items | $-110,000 | 8,088 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-110,000 | 8,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,585,000 | 312 |
| Cash dividends | $200,000 | 4,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-106,800 | 8,078 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,709,000 | 1,805 |
| Total interest expense | $8,992,000 | 1,361 |
| Net interest income | $7,717,000 | 2,261 |
| Provision for loan and lease losses | $2,558,000 | 319 |
| Total noninterest income | $1,047,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $614,000 | 2,078 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $433,000 | 3,082 |
| Total noninterest expense | $5,223,000 | 2,516 |
| Salaries and employee benefits | $2,691,000 | 2,685 |
| Premises and equipment expense | $999,000 | 1,897 |
| Additional noninterest expense | $1,533,000 | 2,503 |
| Pre-tax net operating income | $983,000 | 4,752 |
| Securities gains (losses) | $-5,000 | 7,392 |
| Applicable income taxes | $235,000 | 3,932 |
| Income before extraordinary items | $743,000 | 4,877 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $743,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,899,000 | 285 |
| Cash dividends | $200,000 | 4,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $746,800 | 4,862 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,682,000 | 1,846 |
| Total interest expense | $5,616,000 | 1,379 |
| Net interest income | $5,066,000 | 2,300 |
| Provision for loan and lease losses | $1,800,000 | 298 |
| Total noninterest income | $713,000 | 2,797 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $364,000 | 2,271 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $349,000 | 2,761 |
| Total noninterest expense | $3,384,000 | 2,603 |
| Salaries and employee benefits | $1,776,000 | 2,710 |
| Premises and equipment expense | $623,000 | 2,021 |
| Additional noninterest expense | $985,000 | 2,607 |
| Pre-tax net operating income | $595,000 | 5,012 |
| Securities gains (losses) | $-5,000 | 7,694 |
| Applicable income taxes | $140,000 | 4,109 |
| Income before extraordinary items | $450,000 | 5,128 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $450,000 | 5,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,232,000 | 295 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $453,800 | 5,106 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,199,000 | 1,852 |
| Total interest expense | $2,624,000 | 1,400 |
| Net interest income | $2,575,000 | 2,256 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $251,000 | 3,458 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $141,000 | 2,720 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $110,000 | 3,540 |
| Total noninterest expense | $1,619,000 | 2,703 |
| Salaries and employee benefits | $830,000 | 2,872 |
| Premises and equipment expense | $309,000 | 2,037 |
| Additional noninterest expense | $480,000 | 2,630 |
| Pre-tax net operating income | $1,167,000 | 2,023 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $398,000 | 1,659 |
| Income before extraordinary items | $769,000 | 2,278 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $769,000 | 2,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $769,000 | 2,255 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,265,000 | 1,845 |
| Total interest expense | $7,918,000 | 1,431 |
| Net interest income | $10,347,000 | 2,142 |
| Provision for loan and lease losses | $1,565,000 | 676 |
| Total noninterest income | $1,010,000 | 3,538 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $539,000 | 2,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $471,000 | 3,483 |
| Total noninterest expense | $6,118,000 | 2,705 |
| Salaries and employee benefits | $3,188,000 | 2,815 |
| Premises and equipment expense | $1,193,000 | 2,011 |
| Additional noninterest expense | $1,737,000 | 2,849 |
| Pre-tax net operating income | $3,674,000 | 2,360 |
| Securities gains (losses) | $34,000 | 1,055 |
| Applicable income taxes | $1,253,000 | 1,937 |
| Income before extraordinary items | $2,455,000 | 2,636 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,455,000 | 2,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $616,000 | 979 |
| Cash dividends | $550,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,432,560 | 2,621 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,237,000 | 1,855 |
| Total interest expense | $5,509,000 | 1,450 |
| Net interest income | $7,728,000 | 2,127 |
| Provision for loan and lease losses | $270,000 | 2,383 |
| Total noninterest income | $741,000 | 3,597 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $397,000 | 2,933 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $344,000 | 3,556 |
| Total noninterest expense | $4,486,000 | 2,737 |
| Salaries and employee benefits | $2,273,000 | 2,909 |
| Premises and equipment expense | $887,000 | 2,009 |
| Additional noninterest expense | $1,326,000 | 2,774 |
| Pre-tax net operating income | $3,713,000 | 1,884 |
| Securities gains (losses) | $32,000 | 1,037 |
| Applicable income taxes | $1,306,000 | 1,544 |
| Income before extraordinary items | $2,439,000 | 2,111 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,439,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,414 |
| Cash dividends | $325,000 | 3,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,418,200 | 2,091 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,458,000 | 1,890 |
| Total interest expense | $3,310,000 | 1,519 |
| Net interest income | $5,148,000 | 2,104 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $446,000 | 3,783 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $256,000 | 2,965 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $190,000 | 3,850 |
| Total noninterest expense | $2,763,000 | 2,919 |
| Salaries and employee benefits | $1,387,000 | 3,142 |
| Premises and equipment expense | $578,000 | 2,044 |
| Additional noninterest expense | $798,000 | 3,024 |
| Pre-tax net operating income | $2,651,000 | 1,748 |
| Securities gains (losses) | $32,000 | 942 |
| Applicable income taxes | $934,000 | 1,441 |
| Income before extraordinary items | $1,749,000 | 1,942 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,749,000 | 1,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,314 |
| Cash dividends | $225,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,728,200 | 1,931 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,993,000 | 1,946 |
| Total interest expense | $1,473,000 | 1,622 |
| Net interest income | $2,520,000 | 2,145 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $232,000 | 3,637 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $119,000 | 3,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,504 |
| Total noninterest expense | $1,346,000 | 2,994 |
| Salaries and employee benefits | $680,000 | 3,210 |
| Premises and equipment expense | $275,000 | 2,169 |
| Additional noninterest expense | $391,000 | 3,078 |
| Pre-tax net operating income | $1,316,000 | 1,742 |
| Securities gains (losses) | $20,000 | 797 |
| Applicable income taxes | $466,000 | 1,427 |
| Income before extraordinary items | $870,000 | 1,940 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $870,000 | 1,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $857,000 | 1,926 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,881,000 | 1,912 |
| Total interest expense | $5,381,000 | 1,523 |
| Net interest income | $9,500,000 | 2,143 |
| Provision for loan and lease losses | $355,000 | 2,603 |
| Total noninterest income | $924,000 | 3,735 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $556,000 | 2,887 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $368,000 | 3,871 |
| Total noninterest expense | $5,431,000 | 2,891 |
| Salaries and employee benefits | $2,776,000 | 3,060 |
| Premises and equipment expense | $1,124,000 | 2,046 |
| Additional noninterest expense | $1,531,000 | 3,079 |
| Pre-tax net operating income | $4,638,000 | 1,810 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $1,640,000 | 1,505 |
| Income before extraordinary items | $3,019,000 | 2,063 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,019,000 | 2,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,217 |
| Cash dividends | $325,000 | 4,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,005,350 | 2,035 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,987,000 | 1,924 |
| Total interest expense | $3,982,000 | 1,518 |
| Net interest income | $7,005,000 | 2,165 |
| Provision for loan and lease losses | $265,000 | 2,488 |
| Total noninterest income | $688,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $422,000 | 2,878 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $266,000 | 3,952 |
| Total noninterest expense | $3,956,000 | 2,936 |
| Salaries and employee benefits | $1,968,000 | 3,177 |
| Premises and equipment expense | $842,000 | 2,054 |
| Additional noninterest expense | $1,146,000 | 3,070 |
| Pre-tax net operating income | $3,472,000 | 1,816 |
| Securities gains (losses) | $10,000 | 2,712 |
| Applicable income taxes | $1,220,000 | 1,523 |
| Income before extraordinary items | $2,262,000 | 2,075 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,262,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $125,000 | 4,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,255,500 | 2,023 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,209,000 | 1,941 |
| Total interest expense | $2,619,000 | 1,513 |
| Net interest income | $4,590,000 | 2,179 |
| Provision for loan and lease losses | $175,000 | 2,464 |
| Total noninterest income | $444,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $267,000 | 2,978 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $177,000 | 3,999 |
| Total noninterest expense | $2,555,000 | 3,021 |
| Salaries and employee benefits | $1,252,000 | 3,328 |
| Premises and equipment expense | $545,000 | 2,094 |
| Additional noninterest expense | $758,000 | 3,091 |
| Pre-tax net operating income | $2,304,000 | 1,819 |
| Securities gains (losses) | $-15,000 | 8,750 |
| Applicable income taxes | $800,000 | 1,529 |
| Income before extraordinary items | $1,489,000 | 2,083 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,489,000 | 2,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,107 |
| Cash dividends | $75,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,498,750 | 2,018 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,559,000 | 1,972 |
| Total interest expense | $1,307,000 | 1,529 |
| Net interest income | $2,252,000 | 2,219 |
| Provision for loan and lease losses | $85,000 | 2,404 |
| Total noninterest income | $222,000 | 3,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $131,000 | 2,956 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $91,000 | 3,909 |
| Total noninterest expense | $1,297,000 | 2,993 |
| Salaries and employee benefits | $648,000 | 3,231 |
| Premises and equipment expense | $264,000 | 2,178 |
| Additional noninterest expense | $385,000 | 3,015 |
| Pre-tax net operating income | $1,092,000 | 1,862 |
| Securities gains (losses) | $-20,000 | 8,979 |
| Applicable income taxes | $377,000 | 1,646 |
| Income before extraordinary items | $695,000 | 2,195 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $695,000 | 2,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,115 |
| Cash dividends | $75,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $708,000 | 2,070 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,613,000 | 2,090 |
| Total interest expense | $5,317,000 | 1,694 |
| Net interest income | $8,296,000 | 2,349 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $945,000 | 3,832 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $546,000 | 2,892 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $399,000 | 3,980 |
| Total noninterest expense | $4,817,000 | 3,146 |
| Salaries and employee benefits | $2,394,000 | 3,380 |
| Premises and equipment expense | $1,028,000 | 2,206 |
| Additional noninterest expense | $1,395,000 | 3,290 |
| Pre-tax net operating income | $4,124,000 | 1,935 |
| Securities gains (losses) | $-67,000 | 8,986 |
| Applicable income taxes | $1,370,000 | 1,756 |
| Income before extraordinary items | $2,687,000 | 2,240 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,687,000 | 2,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $425,000 | 3,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,731,220 | 2,117 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,066,000 | 2,149 |
| Total interest expense | $3,988,000 | 1,759 |
| Net interest income | $6,078,000 | 2,413 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $749,000 | 3,789 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $401,000 | 2,941 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $348,000 | 3,783 |
| Total noninterest expense | $3,585,000 | 3,166 |
| Salaries and employee benefits | $1,757,000 | 3,440 |
| Premises and equipment expense | $764,000 | 2,229 |
| Additional noninterest expense | $1,064,000 | 3,218 |
| Pre-tax net operating income | $3,017,000 | 2,036 |
| Securities gains (losses) | $60,000 | 2,163 |
| Applicable income taxes | $984,000 | 1,880 |
| Income before extraordinary items | $2,093,000 | 2,237 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,093,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,052,200 | 2,161 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,612,000 | 2,203 |
| Total interest expense | $2,644,000 | 1,819 |
| Net interest income | $3,968,000 | 2,455 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $458,000 | 3,940 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $251,000 | 3,057 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $207,000 | 3,972 |
| Total noninterest expense | $2,298,000 | 3,279 |
| Salaries and employee benefits | $1,097,000 | 3,614 |
| Premises and equipment expense | $525,000 | 2,160 |
| Additional noninterest expense | $676,000 | 3,344 |
| Pre-tax net operating income | $1,978,000 | 2,057 |
| Securities gains (losses) | $57,000 | 1,923 |
| Applicable income taxes | $647,000 | 1,939 |
| Income before extraordinary items | $1,388,000 | 2,254 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,388,000 | 2,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,202 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,349,240 | 2,185 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,252,000 | 2,265 |
| Total interest expense | $1,310,000 | 1,883 |
| Net interest income | $1,942,000 | 2,499 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $222,000 | 3,913 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 3,184 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $107,000 | 3,805 |
| Total noninterest expense | $1,155,000 | 3,265 |
| Salaries and employee benefits | $576,000 | 3,480 |
| Premises and equipment expense | $259,000 | 2,185 |
| Additional noninterest expense | $320,000 | 3,457 |
| Pre-tax net operating income | $934,000 | 2,168 |
| Securities gains (losses) | $24,000 | 1,809 |
| Applicable income taxes | $299,000 | 2,063 |
| Income before extraordinary items | $659,000 | 2,327 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $659,000 | 2,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $642,440 | 2,251 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,299,000 | 2,509 |
| Total interest expense | $5,544,000 | 2,037 |
| Net interest income | $6,755,000 | 2,820 |
| Provision for loan and lease losses | $204,000 | 4,309 |
| Total noninterest income | $706,000 | 4,313 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $410,000 | 3,481 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $296,000 | 4,287 |
| Total noninterest expense | $4,554,000 | 3,192 |
| Salaries and employee benefits | $2,199,000 | 3,459 |
| Premises and equipment expense | $963,000 | 2,271 |
| Additional noninterest expense | $1,392,000 | 3,151 |
| Pre-tax net operating income | $2,703,000 | 2,719 |
| Securities gains (losses) | $139,000 | 1,444 |
| Applicable income taxes | $877,000 | 2,429 |
| Income before extraordinary items | $1,965,000 | 2,835 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,965,000 | 2,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,025 |
| Cash dividends | $450,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,869,090 | 2,861 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,747,000 | 2,888 |
| Total interest expense | $6,657,000 | 2,407 |
| Net interest income | $5,090,000 | 3,390 |
| Provision for loan and lease losses | $300,000 | 3,194 |
| Total noninterest income | $714,000 | 4,136 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $367,000 | 3,633 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $347,000 | 3,828 |
| Total noninterest expense | $4,079,000 | 3,371 |
| Salaries and employee benefits | $1,982,000 | 3,622 |
| Premises and equipment expense | $930,000 | 2,296 |
| Additional noninterest expense | $1,167,000 | 3,595 |
| Pre-tax net operating income | $1,425,000 | 3,993 |
| Securities gains (losses) | $267,000 | 966 |
| Applicable income taxes | $489,000 | 3,359 |
| Income before extraordinary items | $1,203,000 | 3,801 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,203,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,435 |
| Cash dividends | $185,000 | 5,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,013,430 | 4,134 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,827,000 | 3,176 |
| Total interest expense | $6,159,000 | 2,713 |
| Net interest income | $4,668,000 | 3,679 |
| Provision for loan and lease losses | $258,000 | 3,168 |
| Total noninterest income | $548,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $328,000 | 3,788 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $220,000 | 4,567 |
| Total noninterest expense | $3,856,000 | 3,430 |
| Salaries and employee benefits | $1,813,000 | 3,756 |
| Premises and equipment expense | $842,000 | 2,457 |
| Additional noninterest expense | $1,201,000 | 3,427 |
| Pre-tax net operating income | $1,102,000 | 4,987 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $299,000 | 4,607 |
| Income before extraordinary items | $810,000 | 5,008 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $810,000 | 5,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,874 |
| Cash dividends | $125,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $804,890 | 5,028 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,055,000 | 3,880 |
| Total interest expense | $4,133,000 | 3,493 |
| Net interest income | $3,922,000 | 4,257 |
| Provision for loan and lease losses | $186,000 | 3,716 |
| Total noninterest income | $549,000 | 4,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,051 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $255,000 | 4,389 |
| Total noninterest expense | $3,362,000 | 3,832 |
| Salaries and employee benefits | $1,686,000 | 3,954 |
| Premises and equipment expense | $667,000 | 2,983 |
| Additional noninterest expense | $1,009,000 | 3,997 |
| Pre-tax net operating income | $923,000 | 5,539 |
| Securities gains (losses) | $12,000 | 1,656 |
| Applicable income taxes | $228,000 | 5,425 |
| Income before extraordinary items | $707,000 | 5,432 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $707,000 | 5,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,314 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $697,880 | 5,435 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,968,000 | 5,022 |
| Total interest expense | $3,156,000 | 4,533 |
| Net interest income | $2,812,000 | 5,393 |
| Provision for loan and lease losses | $103,000 | 5,042 |
| Total noninterest income | $449,000 | 5,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 4,518 |
| Total noninterest expense | $2,181,000 | 5,256 |
| Salaries and employee benefits | $1,146,000 | 5,244 |
| Premises and equipment expense | $464,000 | 3,910 |
| Additional noninterest expense | $571,000 | 5,939 |
| Pre-tax net operating income | $977,000 | 5,486 |
| Securities gains (losses) | $34,000 | 2,031 |
| Applicable income taxes | $255,000 | 5,605 |
| Income before extraordinary items | $756,000 | 5,372 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $756,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $345,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $730,500 | 5,372 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,346,000 | 5,530 |
| Total interest expense | $2,699,000 | 5,106 |
| Net interest income | $2,647,000 | 5,829 |
| Provision for loan and lease losses | $88,000 | 5,481 |
| Total noninterest income | $329,000 | 6,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,052 |
| Total noninterest expense | $1,869,000 | 5,925 |
| Salaries and employee benefits | $1,010,000 | 5,814 |
| Premises and equipment expense | $376,000 | 4,655 |
| Additional noninterest expense | $483,000 | 6,647 |
| Pre-tax net operating income | $1,019,000 | 5,772 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $273,000 | 5,995 |
| Income before extraordinary items | $756,000 | 5,646 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $756,000 | 5,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,391 |
| Cash dividends | $285,000 | 4,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $748,700 | 5,638 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,957,000 | 5,974 |
| Total interest expense | $2,445,000 | 5,607 |
| Net interest income | $2,512,000 | 6,174 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $307,000 | 6,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,597 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,886 |
| Total noninterest expense | $1,626,000 | 6,772 |
| Salaries and employee benefits | $874,000 | 6,590 |
| Premises and equipment expense | $307,000 | 5,500 |
| Additional noninterest expense | $445,000 | 7,510 |
| Pre-tax net operating income | $1,103,000 | 5,406 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $316,000 | 5,656 |
| Income before extraordinary items | $806,000 | 5,278 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $806,000 | 5,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,930 |
| Cash dividends | $365,000 | 4,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $792,320 | 5,281 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,556,000 | 6,403 |
| Total interest expense | $2,230,000 | 6,025 |
| Net interest income | $2,326,000 | 6,630 |
| Provision for loan and lease losses | $91,000 | 4,801 |
| Total noninterest income | $301,000 | 7,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,102 |
| Total noninterest expense | $1,571,000 | 7,061 |
| Salaries and employee benefits | $866,000 | 6,724 |
| Premises and equipment expense | $269,000 | 6,072 |
| Additional noninterest expense | $436,000 | 7,846 |
| Pre-tax net operating income | $965,000 | 6,131 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $264,000 | 6,459 |
| Income before extraordinary items | $677,000 | 6,134 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $677,000 | 6,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $115,000 | 6,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $694,280 | 6,016 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,846,000 | 6,891 |
| Total interest expense | $1,640,000 | 6,503 |
| Net interest income | $2,206,000 | 7,078 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $272,000 | 7,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $1,626,000 | 7,212 |
| Salaries and employee benefits | $798,000 | 7,221 |
| Premises and equipment expense | $240,000 | 6,683 |
| Additional noninterest expense | $588,000 | 7,127 |
| Pre-tax net operating income | $842,000 | 6,663 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $226,000 | 6,926 |
| Income before extraordinary items | $613,000 | 6,439 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $613,000 | 6,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $793,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $2,088,000 | 292 |
| Net operating income | $615,190 | 6,493 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 8,899 |
| Total interest expense | $1,215,000 | 8,193 |
| Net interest income | $1,439,000 | 9,306 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $147,000 | 10,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 9,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $1,001,000 | 9,721 |
| Salaries and employee benefits | $524,000 | 9,427 |
| Premises and equipment expense | $161,000 | 8,616 |
| Additional noninterest expense | $316,000 | 10,242 |
| Pre-tax net operating income | $585,000 | 8,052 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $143,000 | 8,793 |
| Income before extraordinary items | $443,000 | 8,030 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $443,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,961 |
| Cash dividends | $90,000 | 7,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $442,240 | 7,768 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 9,256 |
| Total interest expense | $1,422,000 | 8,769 |
| Net interest income | $1,418,000 | 9,558 |
| Provision for loan and lease losses | $-21,000 | 13,532 |
| Total noninterest income | $130,000 | 10,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $957,000 | 10,174 |
| Salaries and employee benefits | $505,000 | 9,737 |
| Premises and equipment expense | $158,000 | 8,881 |
| Additional noninterest expense | $294,000 | 10,909 |
| Pre-tax net operating income | $612,000 | 7,622 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $187,000 | 7,817 |
| Income before extraordinary items | $427,000 | 7,954 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $427,000 | 8,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 13,463 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $425,600 | 7,608 |
* 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.