Home > McIntosh State Bank > Income and Expense
McIntosh State Bank, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,139,000 | 2,277 |
| Total interest expense | $1,317,000 | 1,289 |
| Net interest income | $1,822,000 | 2,966 |
| Provision for loan and lease losses | $693,000 | 1,152 |
| Total noninterest income | $-502,000 | 7,518 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $581,000 | 621 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-1,083,000 | 7,549 |
| Total noninterest expense | $3,037,000 | 1,634 |
| Salaries and employee benefits | $955,000 | 2,535 |
| Premises and equipment expense | $367,000 | 1,756 |
| Additional noninterest expense | $1,715,000 | 1,036 |
| Pre-tax net operating income | $-2,410,000 | 7,419 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-2,410,000 | 7,422 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,410,000 | 7,421 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,410,000 | 7,422 |
| Net charge-offs | $24,000 | 3,913 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,410,000 | 7,422 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,290,000 | 2,105 |
| Total interest expense | $6,467,000 | 1,278 |
| Net interest income | $7,823,000 | 2,783 |
| Provision for loan and lease losses | $9,971,000 | 662 |
| Total noninterest income | $1,379,000 | 2,665 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,340,000 | 635 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-961,000 | 7,485 |
| Total noninterest expense | $13,785,000 | 1,439 |
| Salaries and employee benefits | $5,315,000 | 1,821 |
| Premises and equipment expense | $1,491,000 | 1,716 |
| Additional noninterest expense | $6,979,000 | 1,058 |
| Pre-tax net operating income | $-14,554,000 | 7,446 |
| Securities gains (losses) | $596,000 | 766 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-13,958,000 | 7,456 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-13,958,000 | 7,456 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-13,958,000 | 7,456 |
| Net charge-offs | $9,691,000 | 620 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-14,554,000 | 7,455 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,108,000 | 2,078 |
| Total interest expense | $5,066,000 | 1,264 |
| Net interest income | $6,042,000 | 2,737 |
| Provision for loan and lease losses | $8,252,000 | 587 |
| Total noninterest income | $1,846,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,753,000 | 649 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $93,000 | 5,300 |
| Total noninterest expense | $10,863,000 | 1,381 |
| Salaries and employee benefits | $4,771,000 | 1,545 |
| Premises and equipment expense | $1,127,000 | 1,733 |
| Additional noninterest expense | $4,965,000 | 1,084 |
| Pre-tax net operating income | $-11,227,000 | 7,578 |
| Securities gains (losses) | $596,000 | 636 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-10,631,000 | 7,587 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-10,631,000 | 7,587 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-10,631,000 | 7,587 |
| Net charge-offs | $5,793,000 | 701 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-11,227,000 | 7,595 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,582,000 | 2,062 |
| Total interest expense | $3,509,000 | 1,267 |
| Net interest income | $4,073,000 | 2,711 |
| Provision for loan and lease losses | $7,550,000 | 449 |
| Total noninterest income | $1,051,000 | 1,977 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,143,000 | 672 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-92,000 | 7,515 |
| Total noninterest expense | $7,154,000 | 1,387 |
| Salaries and employee benefits | $3,310,000 | 1,502 |
| Premises and equipment expense | $721,000 | 1,816 |
| Additional noninterest expense | $3,123,000 | 1,141 |
| Pre-tax net operating income | $-9,580,000 | 7,679 |
| Securities gains (losses) | $572,000 | 423 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-9,008,000 | 7,682 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-9,008,000 | 7,682 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-9,008,000 | 7,682 |
| Net charge-offs | $3,273,000 | 770 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-9,580,000 | 7,690 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,946,000 | 2,027 |
| Total interest expense | $1,793,000 | 1,306 |
| Net interest income | $2,153,000 | 2,608 |
| Provision for loan and lease losses | $6,730,000 | 304 |
| Total noninterest income | $184,000 | 3,840 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $558,000 | 694 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-374,000 | 7,852 |
| Total noninterest expense | $3,527,000 | 1,424 |
| Salaries and employee benefits | $1,724,000 | 1,451 |
| Premises and equipment expense | $358,000 | 1,887 |
| Additional noninterest expense | $1,445,000 | 1,217 |
| Pre-tax net operating income | $-7,920,000 | 7,823 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-7,920,000 | 7,831 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-7,920,000 | 7,832 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-7,920,000 | 7,832 |
| Net charge-offs | $2,371,000 | 578 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-7,920,000 | 7,831 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,039,000 | 1,705 |
| Total interest expense | $9,663,000 | 1,234 |
| Net interest income | $10,376,000 | 2,115 |
| Provision for loan and lease losses | $9,630,000 | 899 |
| Total noninterest income | $614,000 | 4,320 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,367,000 | 705 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,753,000 | 7,938 |
| Total noninterest expense | $13,760,000 | 1,498 |
| Salaries and employee benefits | $6,189,000 | 1,610 |
| Premises and equipment expense | $1,560,000 | 1,734 |
| Additional noninterest expense | $6,011,000 | 1,259 |
| Pre-tax net operating income | $-12,400,000 | 7,569 |
| Securities gains (losses) | $-625,000 | 7,624 |
| Applicable income taxes | $220,000 | 2,299 |
| Income before extraordinary items | $-13,245,000 | 7,640 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-13,245,000 | 7,638 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-13,245,000 | 7,639 |
| Net charge-offs | $10,503,000 | 661 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-12,620,000 | 7,628 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,747,000 | 1,666 |
| Total interest expense | $7,638,000 | 1,224 |
| Net interest income | $8,109,000 | 2,027 |
| Provision for loan and lease losses | $5,681,000 | 961 |
| Total noninterest income | $578,000 | 3,918 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,768,000 | 705 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,190,000 | 8,030 |
| Total noninterest expense | $9,301,000 | 1,634 |
| Salaries and employee benefits | $4,502,000 | 1,669 |
| Premises and equipment expense | $1,171,000 | 1,747 |
| Additional noninterest expense | $3,628,000 | 1,488 |
| Pre-tax net operating income | $-6,295,000 | 7,579 |
| Securities gains (losses) | $-625,000 | 7,783 |
| Applicable income taxes | $-2,224,000 | 7,744 |
| Income before extraordinary items | $-4,696,000 | 7,553 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,696,000 | 7,553 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,696,000 | 7,553 |
| Net charge-offs | $4,497,000 | 887 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,271,000 | 7,518 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,716,000 | 1,657 |
| Total interest expense | $5,390,000 | 1,219 |
| Net interest income | $5,326,000 | 2,061 |
| Provision for loan and lease losses | $2,726,000 | 1,155 |
| Total noninterest income | $1,285,000 | 1,832 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,156,000 | 715 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $129,000 | 4,368 |
| Total noninterest expense | $6,104,000 | 1,688 |
| Salaries and employee benefits | $2,758,000 | 1,838 |
| Premises and equipment expense | $818,000 | 1,698 |
| Additional noninterest expense | $2,528,000 | 1,466 |
| Pre-tax net operating income | $-2,219,000 | 7,434 |
| Securities gains (losses) | $-1,705,000 | 8,049 |
| Applicable income taxes | $-877,000 | 7,718 |
| Income before extraordinary items | $-3,047,000 | 7,638 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,047,000 | 7,637 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,047,000 | 7,637 |
| Net charge-offs | $3,042,000 | 850 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,717,100 | 7,397 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,572,000 | 1,616 |
| Total interest expense | $2,761,000 | 1,243 |
| Net interest income | $2,811,000 | 1,943 |
| Provision for loan and lease losses | $556,000 | 1,682 |
| Total noninterest income | $748,000 | 1,625 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $565,000 | 713 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $183,000 | 2,635 |
| Total noninterest expense | $2,538,000 | 1,957 |
| Salaries and employee benefits | $924,000 | 2,737 |
| Premises and equipment expense | $381,000 | 1,857 |
| Additional noninterest expense | $1,233,000 | 1,325 |
| Pre-tax net operating income | $465,000 | 2,507 |
| Securities gains (losses) | $-1,707,000 | 8,166 |
| Applicable income taxes | $153,000 | 1,725 |
| Income before extraordinary items | $-1,395,000 | 7,810 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,395,000 | 7,811 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,395,000 | 7,811 |
| Net charge-offs | $1,589,000 | 709 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $312,000 | 2,902 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,931,000 | 1,495 |
| Total interest expense | $13,016,000 | 1,250 |
| Net interest income | $12,915,000 | 1,725 |
| Provision for loan and lease losses | $15,948,000 | 429 |
| Total noninterest income | $2,588,000 | 1,759 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,505,000 | 691 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $83,000 | 6,176 |
| Total noninterest expense | $14,543,000 | 1,342 |
| Salaries and employee benefits | $8,362,000 | 1,190 |
| Premises and equipment expense | $1,647,000 | 1,674 |
| Additional noninterest expense | $4,534,000 | 1,375 |
| Pre-tax net operating income | $-14,988,000 | 8,058 |
| Securities gains (losses) | $2,184,000 | 115 |
| Applicable income taxes | $-4,950,000 | 8,104 |
| Income before extraordinary items | $-7,854,000 | 7,943 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,854,000 | 7,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,387,000 | 315 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-9,251,760 | 8,015 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,183,000 | 1,479 |
| Total interest expense | $10,012,000 | 1,265 |
| Net interest income | $10,171,000 | 1,656 |
| Provision for loan and lease losses | $11,205,000 | 373 |
| Total noninterest income | $2,387,000 | 1,545 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,852,000 | 714 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $535,000 | 2,706 |
| Total noninterest expense | $11,094,000 | 1,301 |
| Salaries and employee benefits | $6,483,000 | 1,168 |
| Premises and equipment expense | $1,257,000 | 1,657 |
| Additional noninterest expense | $3,354,000 | 1,341 |
| Pre-tax net operating income | $-9,741,000 | 8,217 |
| Securities gains (losses) | $2,184,000 | 107 |
| Applicable income taxes | $-3,114,000 | 8,232 |
| Income before extraordinary items | $-4,443,000 | 8,103 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,443,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,265,000 | 426 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,840,760 | 8,183 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,030,000 | 1,438 |
| Total interest expense | $6,842,000 | 1,283 |
| Net interest income | $7,188,000 | 1,562 |
| Provision for loan and lease losses | $4,858,000 | 445 |
| Total noninterest income | $1,698,000 | 1,503 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,205,000 | 719 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $493,000 | 2,272 |
| Total noninterest expense | $7,502,000 | 1,282 |
| Salaries and employee benefits | $4,496,000 | 1,134 |
| Premises and equipment expense | $869,000 | 1,605 |
| Additional noninterest expense | $2,137,000 | 1,378 |
| Pre-tax net operating income | $-3,474,000 | 8,250 |
| Securities gains (losses) | $2,184,000 | 110 |
| Applicable income taxes | $-445,000 | 8,159 |
| Income before extraordinary items | $-845,000 | 7,925 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-845,000 | 7,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,333,000 | 510 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,286,440 | 8,230 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,415,000 | 1,387 |
| Total interest expense | $3,683,000 | 1,271 |
| Net interest income | $3,732,000 | 1,487 |
| Provision for loan and lease losses | $887,000 | 685 |
| Total noninterest income | $862,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $592,000 | 730 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $270,000 | 2,102 |
| Total noninterest expense | $3,871,000 | 1,250 |
| Salaries and employee benefits | $2,363,000 | 1,098 |
| Premises and equipment expense | $430,000 | 1,623 |
| Additional noninterest expense | $1,078,000 | 1,336 |
| Pre-tax net operating income | $-164,000 | 7,688 |
| Securities gains (losses) | $717,000 | 184 |
| Applicable income taxes | $131,000 | 2,487 |
| Income before extraordinary items | $422,000 | 3,079 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $422,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,008,000 | 287 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-122,920 | 7,672 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $34,184,000 | 1,232 |
| Total interest expense | $16,455,000 | 1,209 |
| Net interest income | $17,729,000 | 1,261 |
| Provision for loan and lease losses | $3,324,000 | 587 |
| Total noninterest income | $3,686,000 | 1,388 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,308,000 | 765 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,378,000 | 1,778 |
| Total noninterest expense | $14,427,000 | 1,285 |
| Salaries and employee benefits | $9,038,000 | 1,107 |
| Premises and equipment expense | $1,669,000 | 1,595 |
| Additional noninterest expense | $3,720,000 | 1,491 |
| Pre-tax net operating income | $3,664,000 | 2,129 |
| Securities gains (losses) | $8,000 | 1,417 |
| Applicable income taxes | $1,069,000 | 1,783 |
| Income before extraordinary items | $2,603,000 | 2,271 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,603,000 | 2,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,030,000 | 1,001 |
| Cash dividends | $900,000 | 2,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,597,320 | 2,265 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $26,253,000 | 1,209 |
| Total interest expense | $12,317,000 | 1,212 |
| Net interest income | $13,936,000 | 1,210 |
| Provision for loan and lease losses | $1,059,000 | 863 |
| Total noninterest income | $2,849,000 | 1,361 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,685,000 | 772 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,164,000 | 1,631 |
| Total noninterest expense | $11,269,000 | 1,229 |
| Salaries and employee benefits | $7,242,000 | 1,033 |
| Premises and equipment expense | $1,282,000 | 1,551 |
| Additional noninterest expense | $2,745,000 | 1,478 |
| Pre-tax net operating income | $4,457,000 | 1,520 |
| Securities gains (losses) | $8,000 | 1,069 |
| Applicable income taxes | $1,464,000 | 1,252 |
| Income before extraordinary items | $3,001,000 | 1,698 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,001,000 | 1,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,961 |
| Cash dividends | $625,000 | 2,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,995,640 | 1,682 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $17,524,000 | 1,217 |
| Total interest expense | $8,080,000 | 1,237 |
| Net interest income | $9,444,000 | 1,210 |
| Provision for loan and lease losses | $193,000 | 2,219 |
| Total noninterest income | $1,866,000 | 1,397 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,095,000 | 810 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $771,000 | 1,651 |
| Total noninterest expense | $7,604,000 | 1,237 |
| Salaries and employee benefits | $4,902,000 | 1,035 |
| Premises and equipment expense | $829,000 | 1,615 |
| Additional noninterest expense | $1,873,000 | 1,464 |
| Pre-tax net operating income | $3,513,000 | 1,346 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $1,161,000 | 1,141 |
| Income before extraordinary items | $2,356,000 | 1,489 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,356,000 | 1,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-90,000 | 8,418 |
| Cash dividends | $375,000 | 2,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,353,320 | 1,470 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,618,000 | 1,231 |
| Total interest expense | $3,985,000 | 1,235 |
| Net interest income | $4,633,000 | 1,226 |
| Provision for loan and lease losses | $-35,000 | 8,493 |
| Total noninterest income | $932,000 | 1,377 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $528,000 | 808 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $404,000 | 1,579 |
| Total noninterest expense | $3,807,000 | 1,233 |
| Salaries and employee benefits | $2,451,000 | 1,044 |
| Premises and equipment expense | $399,000 | 1,673 |
| Additional noninterest expense | $957,000 | 1,401 |
| Pre-tax net operating income | $1,793,000 | 1,305 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $591,000 | 1,139 |
| Income before extraordinary items | $1,202,000 | 1,445 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,202,000 | 1,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-120,000 | 8,531 |
| Cash dividends | $225,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,202,000 | 1,433 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,486,000 | 1,247 |
| Total interest expense | $13,173,000 | 1,286 |
| Net interest income | $18,313,000 | 1,236 |
| Provision for loan and lease losses | $778,000 | 1,306 |
| Total noninterest income | $3,706,000 | 1,365 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,119,000 | 827 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,587,000 | 1,604 |
| Total noninterest expense | $13,675,000 | 1,305 |
| Salaries and employee benefits | $8,599,000 | 1,129 |
| Premises and equipment expense | $1,566,000 | 1,635 |
| Additional noninterest expense | $3,510,000 | 1,505 |
| Pre-tax net operating income | $7,566,000 | 1,291 |
| Securities gains (losses) | $14,000 | 999 |
| Applicable income taxes | $2,516,000 | 1,092 |
| Income before extraordinary items | $5,064,000 | 1,436 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,064,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,225 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,054,620 | 1,423 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,844,000 | 1,292 |
| Total interest expense | $9,226,000 | 1,332 |
| Net interest income | $13,618,000 | 1,266 |
| Provision for loan and lease losses | $664,000 | 1,107 |
| Total noninterest income | $2,784,000 | 1,384 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,608,000 | 822 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,176,000 | 1,614 |
| Total noninterest expense | $9,984,000 | 1,352 |
| Salaries and employee benefits | $6,428,000 | 1,151 |
| Premises and equipment expense | $1,242,000 | 1,564 |
| Additional noninterest expense | $2,314,000 | 1,700 |
| Pre-tax net operating income | $5,754,000 | 1,321 |
| Securities gains (losses) | $12,000 | 854 |
| Applicable income taxes | $1,893,000 | 1,137 |
| Income before extraordinary items | $3,873,000 | 1,447 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,873,000 | 1,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,474 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,864,960 | 1,433 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,431,000 | 1,329 |
| Total interest expense | $5,592,000 | 1,385 |
| Net interest income | $8,839,000 | 1,299 |
| Provision for loan and lease losses | $523,000 | 943 |
| Total noninterest income | $1,810,000 | 1,408 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,039,000 | 838 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $771,000 | 1,634 |
| Total noninterest expense | $6,452,000 | 1,398 |
| Salaries and employee benefits | $4,139,000 | 1,203 |
| Premises and equipment expense | $817,000 | 1,588 |
| Additional noninterest expense | $1,496,000 | 1,763 |
| Pre-tax net operating income | $3,674,000 | 1,375 |
| Securities gains (losses) | $12,000 | 697 |
| Applicable income taxes | $1,232,000 | 1,171 |
| Income before extraordinary items | $2,454,000 | 1,513 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,454,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,703 |
| Cash dividends | $750,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,445,960 | 1,496 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,889,000 | 1,366 |
| Total interest expense | $2,632,000 | 1,398 |
| Net interest income | $4,257,000 | 1,346 |
| Provision for loan and lease losses | $170,000 | 1,293 |
| Total noninterest income | $885,000 | 1,397 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $453,000 | 936 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $432,000 | 1,495 |
| Total noninterest expense | $3,199,000 | 1,415 |
| Salaries and employee benefits | $2,018,000 | 1,231 |
| Premises and equipment expense | $334,000 | 1,892 |
| Additional noninterest expense | $847,000 | 1,545 |
| Pre-tax net operating income | $1,773,000 | 1,386 |
| Securities gains (losses) | $12,000 | 541 |
| Applicable income taxes | $591,000 | 1,214 |
| Income before extraordinary items | $1,194,000 | 1,519 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,194,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,092 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,185,960 | 1,515 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,328,000 | 1,490 |
| Total interest expense | $7,706,000 | 1,473 |
| Net interest income | $14,622,000 | 1,502 |
| Provision for loan and lease losses | $1,240,000 | 850 |
| Total noninterest income | $3,628,000 | 1,384 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,999,000 | 871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,629,000 | 1,566 |
| Total noninterest expense | $11,801,000 | 1,459 |
| Salaries and employee benefits | $7,142,000 | 1,300 |
| Premises and equipment expense | $1,325,000 | 1,818 |
| Additional noninterest expense | $3,334,000 | 1,526 |
| Pre-tax net operating income | $5,209,000 | 1,799 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $1,564,000 | 1,659 |
| Income before extraordinary items | $3,649,000 | 1,886 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,649,000 | 1,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,744 |
| Cash dividends | $675,000 | 3,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,646,200 | 1,864 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,976,000 | 1,524 |
| Total interest expense | $5,409,000 | 1,481 |
| Net interest income | $10,567,000 | 1,532 |
| Provision for loan and lease losses | $803,000 | 938 |
| Total noninterest income | $2,513,000 | 1,478 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,476,000 | 883 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,037,000 | 1,779 |
| Total noninterest expense | $8,539,000 | 1,502 |
| Salaries and employee benefits | $5,120,000 | 1,352 |
| Premises and equipment expense | $976,000 | 1,846 |
| Additional noninterest expense | $2,443,000 | 1,532 |
| Pre-tax net operating income | $3,738,000 | 1,870 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $1,159,000 | 1,698 |
| Income before extraordinary items | $2,583,000 | 2,003 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,583,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-202,000 | 8,749 |
| Cash dividends | $675,000 | 2,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,580,240 | 1,970 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,116,000 | 1,580 |
| Total interest expense | $3,392,000 | 1,483 |
| Net interest income | $6,724,000 | 1,594 |
| Provision for loan and lease losses | $549,000 | 903 |
| Total noninterest income | $1,591,000 | 1,519 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $936,000 | 906 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $655,000 | 1,820 |
| Total noninterest expense | $5,532,000 | 1,531 |
| Salaries and employee benefits | $3,298,000 | 1,394 |
| Premises and equipment expense | $562,000 | 2,106 |
| Additional noninterest expense | $1,672,000 | 1,498 |
| Pre-tax net operating income | $2,234,000 | 2,000 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $683,000 | 1,817 |
| Income before extraordinary items | $1,555,000 | 2,165 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,555,000 | 2,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-246,000 | 8,784 |
| Cash dividends | $675,000 | 1,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,552,240 | 2,134 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,760,000 | 1,651 |
| Total interest expense | $1,603,000 | 1,493 |
| Net interest income | $3,157,000 | 1,699 |
| Provision for loan and lease losses | $159,000 | 1,342 |
| Total noninterest income | $707,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $446,000 | 920 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $261,000 | 2,084 |
| Total noninterest expense | $2,686,000 | 1,583 |
| Salaries and employee benefits | $1,606,000 | 1,437 |
| Premises and equipment expense | $387,000 | 1,570 |
| Additional noninterest expense | $693,000 | 1,785 |
| Pre-tax net operating income | $1,019,000 | 2,137 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $308,000 | 1,938 |
| Income before extraordinary items | $715,000 | 2,287 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $715,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $675,000 | 940 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $712,200 | 2,256 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,283,000 | 1,664 |
| Total interest expense | $5,475,000 | 1,505 |
| Net interest income | $11,808,000 | 1,713 |
| Provision for loan and lease losses | $458,000 | 2,117 |
| Total noninterest income | $3,016,000 | 1,593 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,964,000 | 886 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,052,000 | 2,070 |
| Total noninterest expense | $9,108,000 | 1,776 |
| Salaries and employee benefits | $5,624,000 | 1,581 |
| Premises and equipment expense | $1,212,000 | 1,898 |
| Additional noninterest expense | $2,272,000 | 2,141 |
| Pre-tax net operating income | $5,258,000 | 1,625 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $1,648,000 | 1,502 |
| Income before extraordinary items | $3,631,000 | 1,751 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,631,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 976 |
| Cash dividends | $650,000 | 3,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,616,510 | 1,713 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,755,000 | 1,672 |
| Total interest expense | $3,989,000 | 1,515 |
| Net interest income | $8,766,000 | 1,718 |
| Provision for loan and lease losses | $197,000 | 3,018 |
| Total noninterest income | $2,315,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,485,000 | 879 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $830,000 | 2,030 |
| Total noninterest expense | $6,780,000 | 1,780 |
| Salaries and employee benefits | $4,222,000 | 1,572 |
| Premises and equipment expense | $889,000 | 1,943 |
| Additional noninterest expense | $1,669,000 | 2,163 |
| Pre-tax net operating income | $4,104,000 | 1,576 |
| Securities gains (losses) | $16,000 | 2,442 |
| Applicable income taxes | $1,301,000 | 1,451 |
| Income before extraordinary items | $2,819,000 | 1,725 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,819,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $650,000 | 2,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,808,120 | 1,681 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,359,000 | 1,682 |
| Total interest expense | $2,605,000 | 1,523 |
| Net interest income | $5,754,000 | 1,733 |
| Provision for loan and lease losses | $122,000 | 3,079 |
| Total noninterest income | $1,487,000 | 1,610 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $962,000 | 890 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $525,000 | 2,113 |
| Total noninterest expense | $4,418,000 | 1,809 |
| Salaries and employee benefits | $2,772,000 | 1,591 |
| Premises and equipment expense | $502,000 | 2,279 |
| Additional noninterest expense | $1,144,000 | 2,112 |
| Pre-tax net operating income | $2,701,000 | 1,563 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $864,000 | 1,444 |
| Income before extraordinary items | $1,852,000 | 1,723 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,852,000 | 1,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $650,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,841,800 | 1,675 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,086,000 | 1,722 |
| Total interest expense | $1,287,000 | 1,555 |
| Net interest income | $2,799,000 | 1,774 |
| Provision for loan and lease losses | $39,000 | 3,783 |
| Total noninterest income | $719,000 | 1,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $457,000 | 914 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $262,000 | 2,058 |
| Total noninterest expense | $2,161,000 | 1,856 |
| Salaries and employee benefits | $1,375,000 | 1,620 |
| Premises and equipment expense | $220,000 | 2,567 |
| Additional noninterest expense | $566,000 | 2,096 |
| Pre-tax net operating income | $1,318,000 | 1,573 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $431,000 | 1,465 |
| Income before extraordinary items | $902,000 | 1,736 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $902,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,206 |
| Cash dividends | $650,000 | 960 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $891,800 | 1,678 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,791,000 | 1,800 |
| Total interest expense | $5,210,000 | 1,724 |
| Net interest income | $10,581,000 | 1,851 |
| Provision for loan and lease losses | $427,000 | 2,454 |
| Total noninterest income | $3,148,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,842,000 | 931 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,306,000 | 2,004 |
| Total noninterest expense | $8,207,000 | 1,939 |
| Salaries and employee benefits | $5,119,000 | 1,683 |
| Premises and equipment expense | $1,003,000 | 2,254 |
| Additional noninterest expense | $2,085,000 | 2,311 |
| Pre-tax net operating income | $5,095,000 | 1,590 |
| Securities gains (losses) | $13,000 | 3,473 |
| Applicable income taxes | $1,606,000 | 1,528 |
| Income before extraordinary items | $3,502,000 | 1,777 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,502,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,263 |
| Cash dividends | $615,000 | 3,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,493,030 | 1,698 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,685,000 | 1,864 |
| Total interest expense | $3,943,000 | 1,773 |
| Net interest income | $7,742,000 | 1,901 |
| Provision for loan and lease losses | $399,000 | 2,033 |
| Total noninterest income | $2,371,000 | 1,653 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,338,000 | 976 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,033,000 | 2,004 |
| Total noninterest expense | $6,070,000 | 1,963 |
| Salaries and employee benefits | $3,775,000 | 1,719 |
| Premises and equipment expense | $731,000 | 2,316 |
| Additional noninterest expense | $1,564,000 | 2,294 |
| Pre-tax net operating income | $3,644,000 | 1,713 |
| Securities gains (losses) | $13,000 | 3,204 |
| Applicable income taxes | $1,170,000 | 1,647 |
| Income before extraordinary items | $2,487,000 | 1,936 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,487,000 | 1,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,323 |
| Cash dividends | $615,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,478,160 | 1,839 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,768,000 | 1,885 |
| Total interest expense | $2,690,000 | 1,794 |
| Net interest income | $5,078,000 | 1,925 |
| Provision for loan and lease losses | $287,000 | 1,926 |
| Total noninterest income | $1,520,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $861,000 | 991 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $659,000 | 2,058 |
| Total noninterest expense | $4,009,000 | 1,969 |
| Salaries and employee benefits | $2,493,000 | 1,721 |
| Premises and equipment expense | $475,000 | 2,359 |
| Additional noninterest expense | $1,041,000 | 2,280 |
| Pre-tax net operating income | $2,302,000 | 1,809 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $716,000 | 1,784 |
| Income before extraordinary items | $1,591,000 | 1,995 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,591,000 | 1,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $315,000 | 2,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,587,550 | 1,893 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 1,896 |
| Total interest expense | $1,370,000 | 1,811 |
| Net interest income | $2,504,000 | 1,949 |
| Provision for loan and lease losses | $143,000 | 1,860 |
| Total noninterest income | $705,000 | 1,771 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $424,000 | 975 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $281,000 | 2,204 |
| Total noninterest expense | $2,014,000 | 1,945 |
| Salaries and employee benefits | $1,232,000 | 1,731 |
| Premises and equipment expense | $235,000 | 2,366 |
| Additional noninterest expense | $547,000 | 2,149 |
| Pre-tax net operating income | $1,052,000 | 1,948 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $326,000 | 1,938 |
| Income before extraordinary items | $728,000 | 2,136 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $728,000 | 2,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $315,000 | 1,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $726,620 | 2,024 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,836,000 | 1,948 |
| Total interest expense | $6,044,000 | 1,889 |
| Net interest income | $9,792,000 | 1,976 |
| Provision for loan and lease losses | $437,000 | 2,646 |
| Total noninterest income | $2,672,000 | 1,702 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,658,000 | 968 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,014,000 | 2,159 |
| Total noninterest expense | $7,531,000 | 1,994 |
| Salaries and employee benefits | $4,698,000 | 1,703 |
| Premises and equipment expense | $836,000 | 2,577 |
| Additional noninterest expense | $1,997,000 | 2,313 |
| Pre-tax net operating income | $4,496,000 | 1,805 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,397,000 | 1,748 |
| Income before extraordinary items | $3,099,000 | 1,937 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,099,000 | 1,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,640 |
| Cash dividends | $250,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,099,000 | 1,875 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,123,000 | 2,000 |
| Total interest expense | $8,533,000 | 1,906 |
| Net interest income | $8,590,000 | 2,082 |
| Provision for loan and lease losses | $131,000 | 5,041 |
| Total noninterest income | $2,215,000 | 1,856 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,360,000 | 1,094 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $855,000 | 2,286 |
| Total noninterest expense | $7,030,000 | 2,043 |
| Salaries and employee benefits | $4,232,000 | 1,775 |
| Premises and equipment expense | $904,000 | 2,349 |
| Additional noninterest expense | $1,894,000 | 2,361 |
| Pre-tax net operating income | $3,644,000 | 1,916 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $1,054,000 | 1,996 |
| Income before extraordinary items | $2,592,000 | 2,015 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,592,000 | 2,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,915 |
| Cash dividends | $175,000 | 5,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,590,580 | 1,938 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,878,000 | 2,089 |
| Total interest expense | $8,645,000 | 1,997 |
| Net interest income | $8,233,000 | 2,150 |
| Provision for loan and lease losses | $475,000 | 1,976 |
| Total noninterest income | $1,557,000 | 2,284 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $967,000 | 1,408 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $590,000 | 2,656 |
| Total noninterest expense | $6,433,000 | 2,142 |
| Salaries and employee benefits | $3,723,000 | 1,930 |
| Premises and equipment expense | $885,000 | 2,345 |
| Additional noninterest expense | $1,825,000 | 2,358 |
| Pre-tax net operating income | $2,882,000 | 2,468 |
| Securities gains (losses) | $-18,000 | 8,681 |
| Applicable income taxes | $761,000 | 2,610 |
| Income before extraordinary items | $2,103,000 | 2,436 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,103,000 | 2,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,361 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,116,140 | 2,427 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,118,000 | 2,305 |
| Total interest expense | $6,806,000 | 2,171 |
| Net interest income | $7,312,000 | 2,412 |
| Provision for loan and lease losses | $358,000 | 2,319 |
| Total noninterest income | $1,170,000 | 2,747 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $874,000 | 1,505 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $296,000 | 4,048 |
| Total noninterest expense | $5,318,000 | 2,549 |
| Salaries and employee benefits | $3,090,000 | 2,272 |
| Premises and equipment expense | $710,000 | 2,842 |
| Additional noninterest expense | $1,518,000 | 2,830 |
| Pre-tax net operating income | $2,806,000 | 2,544 |
| Securities gains (losses) | $-11,000 | 9,339 |
| Applicable income taxes | $760,000 | 2,745 |
| Income before extraordinary items | $2,035,000 | 2,553 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,035,000 | 2,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,462 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,043,030 | 2,503 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,303,000 | 2,447 |
| Total interest expense | $6,733,000 | 2,250 |
| Net interest income | $6,570,000 | 2,595 |
| Provision for loan and lease losses | $265,000 | 2,894 |
| Total noninterest income | $1,079,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $836,000 | 1,510 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $243,000 | 4,485 |
| Total noninterest expense | $4,945,000 | 2,649 |
| Salaries and employee benefits | $2,882,000 | 2,344 |
| Premises and equipment expense | $666,000 | 2,892 |
| Additional noninterest expense | $1,397,000 | 2,960 |
| Pre-tax net operating income | $2,439,000 | 2,847 |
| Securities gains (losses) | $-12,000 | 10,213 |
| Applicable income taxes | $642,000 | 3,231 |
| Income before extraordinary items | $1,785,000 | 2,802 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,785,000 | 2,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,793,880 | 2,721 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,608,000 | 2,825 |
| Total interest expense | $5,748,000 | 2,602 |
| Net interest income | $5,860,000 | 2,972 |
| Provision for loan and lease losses | $302,000 | 2,560 |
| Total noninterest income | $1,150,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $843,000 | 1,543 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $307,000 | 3,872 |
| Total noninterest expense | $4,589,000 | 2,773 |
| Salaries and employee benefits | $2,688,000 | 2,471 |
| Premises and equipment expense | $573,000 | 3,284 |
| Additional noninterest expense | $1,328,000 | 3,046 |
| Pre-tax net operating income | $2,119,000 | 3,352 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $579,000 | 3,790 |
| Income before extraordinary items | $1,540,000 | 3,289 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,540,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,460 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,540,000 | 3,212 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,493,000 | 3,817 |
| Total interest expense | $4,088,000 | 3,636 |
| Net interest income | $4,405,000 | 3,959 |
| Provision for loan and lease losses | $223,000 | 3,174 |
| Total noninterest income | $821,000 | 3,631 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $608,000 | 2,225 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $213,000 | 5,002 |
| Total noninterest expense | $3,294,000 | 4,004 |
| Salaries and employee benefits | $1,907,000 | 3,483 |
| Premises and equipment expense | $399,000 | 4,546 |
| Additional noninterest expense | $988,000 | 4,450 |
| Pre-tax net operating income | $1,709,000 | 3,898 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $464,000 | 4,404 |
| Income before extraordinary items | $1,255,000 | 3,724 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,255,000 | 3,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,074 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,247,700 | 3,704 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,350,000 | 4,949 |
| Total interest expense | $2,837,000 | 5,019 |
| Net interest income | $3,513,000 | 4,859 |
| Provision for loan and lease losses | $196,000 | 3,066 |
| Total noninterest income | $632,000 | 4,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $475,000 | 2,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,854 |
| Total noninterest expense | $2,282,000 | 5,396 |
| Salaries and employee benefits | $1,251,000 | 5,033 |
| Premises and equipment expense | $236,000 | 6,571 |
| Additional noninterest expense | $795,000 | 5,276 |
| Pre-tax net operating income | $1,667,000 | 4,086 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $438,000 | 4,605 |
| Income before extraordinary items | $1,235,000 | 3,859 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,235,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,230,560 | 3,850 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,262,000 | 5,427 |
| Total interest expense | $2,108,000 | 5,369 |
| Net interest income | $3,154,000 | 5,384 |
| Provision for loan and lease losses | $98,000 | 4,627 |
| Total noninterest income | $560,000 | 4,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $447,000 | 3,066 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,127 |
| Total noninterest expense | $2,076,000 | 6,015 |
| Salaries and employee benefits | $1,046,000 | 5,870 |
| Premises and equipment expense | $266,000 | 6,251 |
| Additional noninterest expense | $764,000 | 5,913 |
| Pre-tax net operating income | $1,540,000 | 4,317 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $404,000 | 4,721 |
| Income before extraordinary items | $1,136,000 | 4,063 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,136,000 | 4,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,136,000 | 4,100 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,988,000 | 5,795 |
| Total interest expense | $2,069,000 | 5,677 |
| Net interest income | $2,919,000 | 5,771 |
| Provision for loan and lease losses | $98,000 | 5,836 |
| Total noninterest income | $519,000 | 5,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,197 |
| Total noninterest expense | $1,853,000 | 6,751 |
| Salaries and employee benefits | $1,015,000 | 6,042 |
| Premises and equipment expense | $247,000 | 6,746 |
| Additional noninterest expense | $591,000 | 7,418 |
| Pre-tax net operating income | $1,487,000 | 4,351 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $441,000 | 4,658 |
| Income before extraordinary items | $1,055,000 | 4,483 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,055,000 | 4,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 11,292 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,048,610 | 4,275 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,092,000 | 6,303 |
| Total interest expense | $2,653,000 | 5,714 |
| Net interest income | $2,439,000 | 6,712 |
| Provision for loan and lease losses | $81,000 | 7,858 |
| Total noninterest income | $496,000 | 5,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $390,000 | 3,572 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,856 |
| Total noninterest expense | $1,737,000 | 7,159 |
| Salaries and employee benefits | $969,000 | 6,203 |
| Premises and equipment expense | $222,000 | 7,346 |
| Additional noninterest expense | $546,000 | 8,023 |
| Pre-tax net operating income | $1,117,000 | 5,197 |
| Securities gains (losses) | $29,000 | 5,046 |
| Applicable income taxes | $291,000 | 6,060 |
| Income before extraordinary items | $855,000 | 5,099 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $855,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 7,501 |
| Cash dividends | $75,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $833,250 | 4,895 |
* 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.