Home > The Exchange Bank of South Carolina, Inc. > Income and Expense
The Exchange Bank of South Carolina, Inc., Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 4,802 |
| Total interest expense | $321,000 | 5,615 |
| Net interest income | $2,051,000 | 4,514 |
| Provision for loan and lease losses | $40,000 | 5,272 |
| Total noninterest income | $618,000 | 2,750 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $516,000 | 1,419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $102,000 | 4,511 |
| Total noninterest expense | $2,220,000 | 3,891 |
| Salaries and employee benefits | $1,248,000 | 3,590 |
| Premises and equipment expense | $132,000 | 5,576 |
| Additional noninterest expense | $840,000 | 3,614 |
| Pre-tax net operating income | $409,000 | 4,166 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $143,000 | 2,558 |
| Income before extraordinary items | $266,000 | 4,622 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $266,000 | 4,620 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $266,000 | 4,622 |
| Net charge-offs | $47,000 | 4,499 |
| Cash dividends | $150,000 | 2,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $266,000 | 4,536 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,173,000 | 4,862 |
| Total interest expense | $183,000 | 5,430 |
| Net interest income | $990,000 | 4,603 |
| Provision for loan and lease losses | $9,000 | 5,448 |
| Total noninterest income | $311,000 | 2,776 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $255,000 | 1,406 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $56,000 | 4,485 |
| Total noninterest expense | $1,004,000 | 4,172 |
| Salaries and employee benefits | $539,000 | 4,029 |
| Premises and equipment expense | $67,000 | 5,600 |
| Additional noninterest expense | $398,000 | 3,740 |
| Pre-tax net operating income | $288,000 | 3,602 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $101,000 | 2,164 |
| Income before extraordinary items | $187,000 | 4,103 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $187,000 | 4,102 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $187,000 | 4,103 |
| Net charge-offs | $16,000 | 4,159 |
| Cash dividends | $150,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $187,000 | 4,048 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,999,000 | 4,815 |
| Total interest expense | $867,000 | 5,550 |
| Net interest income | $4,132,000 | 4,487 |
| Provision for loan and lease losses | $194,000 | 5,395 |
| Total noninterest income | $1,358,000 | 2,689 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,134,000 | 1,338 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $224,000 | 4,419 |
| Total noninterest expense | $3,971,000 | 4,237 |
| Salaries and employee benefits | $2,013,000 | 4,218 |
| Premises and equipment expense | $292,000 | 5,474 |
| Additional noninterest expense | $1,666,000 | 3,724 |
| Pre-tax net operating income | $1,325,000 | 2,918 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $464,000 | 1,957 |
| Income before extraordinary items | $861,000 | 3,498 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $861,000 | 3,495 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $861,000 | 3,498 |
| Net charge-offs | $167,000 | 4,946 |
| Cash dividends | $800,000 | 1,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $861,000 | 3,367 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 4,901 |
| Total interest expense | $663,000 | 5,665 |
| Net interest income | $3,107,000 | 4,531 |
| Provision for loan and lease losses | $174,000 | 5,104 |
| Total noninterest income | $1,029,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $852,000 | 1,381 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $177,000 | 4,386 |
| Total noninterest expense | $2,956,000 | 4,284 |
| Salaries and employee benefits | $1,532,000 | 4,213 |
| Premises and equipment expense | $228,000 | 5,443 |
| Additional noninterest expense | $1,196,000 | 3,815 |
| Pre-tax net operating income | $1,006,000 | 3,086 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $371,000 | 1,946 |
| Income before extraordinary items | $635,000 | 3,681 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $635,000 | 3,680 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $635,000 | 3,681 |
| Net charge-offs | $124,000 | 4,690 |
| Cash dividends | $600,000 | 1,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $635,000 | 3,544 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,510,000 | 4,939 |
| Total interest expense | $440,000 | 5,761 |
| Net interest income | $2,070,000 | 4,542 |
| Provision for loan and lease losses | $90,000 | 5,248 |
| Total noninterest income | $678,000 | 2,636 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $547,000 | 1,433 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $131,000 | 4,207 |
| Total noninterest expense | $1,947,000 | 4,314 |
| Salaries and employee benefits | $996,000 | 4,302 |
| Premises and equipment expense | $149,000 | 5,528 |
| Additional noninterest expense | $802,000 | 3,789 |
| Pre-tax net operating income | $711,000 | 3,002 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $262,000 | 1,868 |
| Income before extraordinary items | $449,000 | 3,598 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $449,000 | 3,595 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $449,000 | 3,597 |
| Net charge-offs | $54,000 | 4,817 |
| Cash dividends | $400,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $449,000 | 3,481 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,259,000 | 4,998 |
| Total interest expense | $221,000 | 5,876 |
| Net interest income | $1,038,000 | 4,562 |
| Provision for loan and lease losses | $50,000 | 4,831 |
| Total noninterest income | $341,000 | 2,627 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $265,000 | 1,480 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $76,000 | 4,003 |
| Total noninterest expense | $1,006,000 | 4,260 |
| Salaries and employee benefits | $537,000 | 4,146 |
| Premises and equipment expense | $68,000 | 5,804 |
| Additional noninterest expense | $401,000 | 3,791 |
| Pre-tax net operating income | $323,000 | 3,237 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $119,000 | 1,952 |
| Income before extraordinary items | $204,000 | 3,845 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $204,000 | 3,842 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $204,000 | 3,844 |
| Net charge-offs | $30,000 | 4,145 |
| Cash dividends | $200,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $204,000 | 3,725 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,458,000 | 4,877 |
| Total interest expense | $1,050,000 | 5,927 |
| Net interest income | $4,408,000 | 4,289 |
| Provision for loan and lease losses | $267,000 | 5,447 |
| Total noninterest income | $1,463,000 | 2,595 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,180,000 | 1,454 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $283,000 | 4,055 |
| Total noninterest expense | $3,891,000 | 4,421 |
| Salaries and employee benefits | $2,016,000 | 4,338 |
| Premises and equipment expense | $275,000 | 5,838 |
| Additional noninterest expense | $1,600,000 | 3,907 |
| Pre-tax net operating income | $1,713,000 | 2,166 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $603,000 | 1,377 |
| Income before extraordinary items | $1,110,000 | 2,597 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,110,000 | 2,595 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,110,000 | 2,596 |
| Net charge-offs | $194,000 | 5,049 |
| Cash dividends | $800,000 | 1,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,110,000 | 2,553 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,145,000 | 4,910 |
| Total interest expense | $821,000 | 5,977 |
| Net interest income | $3,324,000 | 4,277 |
| Provision for loan and lease losses | $135,000 | 5,613 |
| Total noninterest income | $1,100,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $876,000 | 1,467 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $224,000 | 4,098 |
| Total noninterest expense | $2,935,000 | 4,415 |
| Salaries and employee benefits | $1,534,000 | 4,317 |
| Premises and equipment expense | $215,000 | 5,801 |
| Additional noninterest expense | $1,186,000 | 3,906 |
| Pre-tax net operating income | $1,354,000 | 2,237 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $479,000 | 1,445 |
| Income before extraordinary items | $875,000 | 2,706 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $875,000 | 2,703 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $875,000 | 2,706 |
| Net charge-offs | $85,000 | 5,213 |
| Cash dividends | $600,000 | 1,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $875,000 | 2,658 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,779,000 | 4,936 |
| Total interest expense | $574,000 | 6,011 |
| Net interest income | $2,205,000 | 4,284 |
| Provision for loan and lease losses | $105,000 | 5,253 |
| Total noninterest income | $669,000 | 2,823 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $557,000 | 1,500 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $112,000 | 4,597 |
| Total noninterest expense | $1,952,000 | 4,448 |
| Salaries and employee benefits | $1,013,000 | 4,399 |
| Premises and equipment expense | $144,000 | 5,843 |
| Additional noninterest expense | $795,000 | 3,887 |
| Pre-tax net operating income | $817,000 | 2,481 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $289,000 | 1,574 |
| Income before extraordinary items | $528,000 | 2,992 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $528,000 | 2,990 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $528,000 | 2,991 |
| Net charge-offs | $75,000 | 4,536 |
| Cash dividends | $400,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $528,000 | 2,889 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 4,926 |
| Total interest expense | $318,000 | 5,891 |
| Net interest income | $1,095,000 | 4,293 |
| Provision for loan and lease losses | $40,000 | 5,160 |
| Total noninterest income | $326,000 | 2,867 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $261,000 | 1,552 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $65,000 | 4,382 |
| Total noninterest expense | $968,000 | 4,403 |
| Salaries and employee benefits | $536,000 | 4,234 |
| Premises and equipment expense | $71,000 | 5,916 |
| Additional noninterest expense | $361,000 | 3,862 |
| Pre-tax net operating income | $413,000 | 2,743 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $146,000 | 1,770 |
| Income before extraordinary items | $267,000 | 3,332 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $267,000 | 3,332 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $267,000 | 3,333 |
| Net charge-offs | $26,000 | 4,134 |
| Cash dividends | $200,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $267,000 | 3,189 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,496,000 | 4,701 |
| Total interest expense | $1,601,000 | 5,836 |
| Net interest income | $4,895,000 | 4,006 |
| Provision for loan and lease losses | $94,000 | 6,117 |
| Total noninterest income | $1,438,000 | 2,712 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,167,000 | 1,530 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $271,000 | 4,284 |
| Total noninterest expense | $3,535,000 | 4,609 |
| Salaries and employee benefits | $1,761,000 | 4,862 |
| Premises and equipment expense | $274,000 | 6,014 |
| Additional noninterest expense | $1,500,000 | 3,616 |
| Pre-tax net operating income | $2,704,000 | 1,963 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $956,000 | 1,245 |
| Income before extraordinary items | $1,748,000 | 2,244 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,748,000 | 2,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,772 |
| Cash dividends | $1,600,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,748,000 | 2,377 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,960,000 | 4,732 |
| Total interest expense | $1,246,000 | 5,874 |
| Net interest income | $3,714,000 | 3,995 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $1,075,000 | 2,762 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $857,000 | 1,569 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $218,000 | 4,259 |
| Total noninterest expense | $2,642,000 | 4,604 |
| Salaries and employee benefits | $1,328,000 | 4,844 |
| Premises and equipment expense | $201,000 | 6,091 |
| Additional noninterest expense | $1,113,000 | 3,579 |
| Pre-tax net operating income | $2,147,000 | 2,194 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $780,000 | 1,395 |
| Income before extraordinary items | $1,367,000 | 2,502 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,367,000 | 2,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,196 |
| Cash dividends | $1,200,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,367,000 | 2,625 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,345,000 | 4,755 |
| Total interest expense | $865,000 | 5,920 |
| Net interest income | $2,480,000 | 3,997 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $712,000 | 2,812 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $551,000 | 1,605 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $161,000 | 4,185 |
| Total noninterest expense | $1,719,000 | 4,709 |
| Salaries and employee benefits | $857,000 | 4,995 |
| Premises and equipment expense | $117,000 | 6,445 |
| Additional noninterest expense | $745,000 | 3,540 |
| Pre-tax net operating income | $1,473,000 | 2,230 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $535,000 | 1,524 |
| Income before extraordinary items | $938,000 | 2,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $938,000 | 2,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,300 |
| Cash dividends | $800,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $938,000 | 2,656 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,706,000 | 4,793 |
| Total interest expense | $449,000 | 6,009 |
| Net interest income | $1,257,000 | 3,964 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $372,000 | 2,737 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $264,000 | 1,639 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $108,000 | 3,628 |
| Total noninterest expense | $811,000 | 4,892 |
| Salaries and employee benefits | $400,000 | 5,229 |
| Premises and equipment expense | $52,000 | 6,695 |
| Additional noninterest expense | $359,000 | 3,600 |
| Pre-tax net operating income | $818,000 | 2,110 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $297,000 | 1,491 |
| Income before extraordinary items | $521,000 | 2,598 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $521,000 | 2,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 8,369 |
| Cash dividends | $400,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $521,000 | 2,527 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,017,000 | 4,724 |
| Total interest expense | $1,717,000 | 6,153 |
| Net interest income | $5,300,000 | 3,820 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,266,000 | 3,032 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,094,000 | 1,639 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $172,000 | 5,344 |
| Total noninterest expense | $3,431,000 | 4,591 |
| Salaries and employee benefits | $1,722,000 | 4,895 |
| Premises and equipment expense | $265,000 | 6,088 |
| Additional noninterest expense | $1,444,000 | 3,534 |
| Pre-tax net operating income | $3,135,000 | 2,381 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,138,000 | 1,704 |
| Income before extraordinary items | $1,997,000 | 2,837 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,997,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,369 |
| Cash dividends | $1,400,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,997,000 | 2,810 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,277,000 | 4,740 |
| Total interest expense | $1,260,000 | 6,227 |
| Net interest income | $4,017,000 | 3,815 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $926,000 | 3,067 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $795,000 | 1,665 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $131,000 | 5,332 |
| Total noninterest expense | $2,507,000 | 4,651 |
| Salaries and employee benefits | $1,270,000 | 4,925 |
| Premises and equipment expense | $188,000 | 6,231 |
| Additional noninterest expense | $1,049,000 | 3,569 |
| Pre-tax net operating income | $2,436,000 | 2,485 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $889,000 | 1,776 |
| Income before extraordinary items | $1,547,000 | 2,910 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,547,000 | 2,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,530 |
| Cash dividends | $1,050,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,547,000 | 2,896 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,505,000 | 4,761 |
| Total interest expense | $797,000 | 6,366 |
| Net interest income | $2,708,000 | 3,812 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $602,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $510,000 | 1,728 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $92,000 | 5,270 |
| Total noninterest expense | $1,664,000 | 4,670 |
| Salaries and employee benefits | $847,000 | 4,947 |
| Premises and equipment expense | $120,000 | 6,367 |
| Additional noninterest expense | $697,000 | 3,575 |
| Pre-tax net operating income | $1,646,000 | 2,513 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $601,000 | 1,839 |
| Income before extraordinary items | $1,045,000 | 2,939 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,045,000 | 2,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,047 |
| Cash dividends | $700,000 | 1,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,045,000 | 2,924 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,728,000 | 4,796 |
| Total interest expense | $382,000 | 6,460 |
| Net interest income | $1,346,000 | 3,823 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $303,000 | 3,087 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $257,000 | 1,673 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $823,000 | 4,724 |
| Salaries and employee benefits | $412,000 | 5,062 |
| Premises and equipment expense | $59,000 | 6,441 |
| Additional noninterest expense | $352,000 | 3,521 |
| Pre-tax net operating income | $826,000 | 2,509 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $281,000 | 1,938 |
| Income before extraordinary items | $545,000 | 2,835 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $545,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,284 |
| Cash dividends | $350,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $545,000 | 2,825 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,187,000 | 4,902 |
| Total interest expense | $1,270,000 | 6,474 |
| Net interest income | $4,917,000 | 4,053 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,139,000 | 3,241 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $917,000 | 1,884 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $222,000 | 4,914 |
| Total noninterest expense | $3,386,000 | 4,499 |
| Salaries and employee benefits | $1,717,000 | 4,769 |
| Premises and equipment expense | $263,000 | 6,076 |
| Additional noninterest expense | $1,406,000 | 3,469 |
| Pre-tax net operating income | $2,670,000 | 2,998 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $967,000 | 2,245 |
| Income before extraordinary items | $1,703,000 | 3,485 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,703,000 | 3,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,668 |
| Cash dividends | $1,400,000 | 2,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,703,000 | 3,469 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,580,000 | 4,932 |
| Total interest expense | $926,000 | 6,498 |
| Net interest income | $3,654,000 | 4,105 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $828,000 | 3,318 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $650,000 | 1,972 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 4,785 |
| Total noninterest expense | $2,509,000 | 4,523 |
| Salaries and employee benefits | $1,262,000 | 4,811 |
| Premises and equipment expense | $206,000 | 5,985 |
| Additional noninterest expense | $1,041,000 | 3,502 |
| Pre-tax net operating income | $1,973,000 | 3,150 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $715,000 | 2,363 |
| Income before extraordinary items | $1,258,000 | 3,620 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,258,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $1,050,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,258,000 | 3,606 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,988,000 | 4,960 |
| Total interest expense | $598,000 | 6,470 |
| Net interest income | $2,390,000 | 4,173 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $550,000 | 3,307 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $413,000 | 2,048 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 4,474 |
| Total noninterest expense | $1,697,000 | 4,497 |
| Salaries and employee benefits | $871,000 | 4,721 |
| Premises and equipment expense | $129,000 | 6,171 |
| Additional noninterest expense | $697,000 | 3,493 |
| Pre-tax net operating income | $1,243,000 | 3,288 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $451,000 | 2,450 |
| Income before extraordinary items | $792,000 | 3,774 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $792,000 | 3,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $700,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $792,000 | 3,766 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,475,000 | 4,940 |
| Total interest expense | $295,000 | 6,409 |
| Net interest income | $1,180,000 | 4,201 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $255,000 | 3,414 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $203,000 | 2,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $52,000 | 5,040 |
| Total noninterest expense | $840,000 | 4,536 |
| Salaries and employee benefits | $420,000 | 4,859 |
| Premises and equipment expense | $62,000 | 6,285 |
| Additional noninterest expense | $358,000 | 3,406 |
| Pre-tax net operating income | $595,000 | 3,332 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $215,000 | 2,504 |
| Income before extraordinary items | $380,000 | 3,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $380,000 | 3,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,725 |
| Cash dividends | $350,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $380,000 | 3,806 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,544,000 | 4,824 |
| Total interest expense | $952,000 | 6,395 |
| Net interest income | $4,592,000 | 4,203 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,204,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,000,000 | 1,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $204,000 | 5,120 |
| Total noninterest expense | $3,415,000 | 4,373 |
| Salaries and employee benefits | $1,716,000 | 4,625 |
| Premises and equipment expense | $269,000 | 6,017 |
| Additional noninterest expense | $1,430,000 | 3,352 |
| Pre-tax net operating income | $2,381,000 | 3,259 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $863,000 | 2,486 |
| Income before extraordinary items | $1,518,000 | 3,763 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,518,000 | 3,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,509 |
| Cash dividends | $1,125,000 | 2,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,518,000 | 3,726 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,118,000 | 4,828 |
| Total interest expense | $666,000 | 6,485 |
| Net interest income | $3,452,000 | 4,191 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $926,000 | 3,075 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $765,000 | 1,684 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $161,000 | 5,058 |
| Total noninterest expense | $2,523,000 | 4,392 |
| Salaries and employee benefits | $1,250,000 | 4,691 |
| Premises and equipment expense | $198,000 | 6,061 |
| Additional noninterest expense | $1,075,000 | 3,313 |
| Pre-tax net operating income | $1,855,000 | 3,232 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $668,000 | 2,457 |
| Income before extraordinary items | $1,187,000 | 3,687 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,187,000 | 3,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,418 |
| Cash dividends | $775,000 | 2,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,187,000 | 3,651 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,697,000 | 4,826 |
| Total interest expense | $412,000 | 6,535 |
| Net interest income | $2,285,000 | 4,204 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $626,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $507,000 | 1,665 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $119,000 | 4,831 |
| Total noninterest expense | $1,697,000 | 4,342 |
| Salaries and employee benefits | $857,000 | 4,581 |
| Premises and equipment expense | $132,000 | 6,058 |
| Additional noninterest expense | $708,000 | 3,338 |
| Pre-tax net operating income | $1,214,000 | 3,218 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $437,000 | 2,468 |
| Income before extraordinary items | $777,000 | 3,695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $777,000 | 3,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,630 |
| Cash dividends | $425,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $777,000 | 3,651 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,327,000 | 4,854 |
| Total interest expense | $197,000 | 6,576 |
| Net interest income | $1,130,000 | 4,243 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $316,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $238,000 | 1,705 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $78,000 | 4,243 |
| Total noninterest expense | $813,000 | 4,512 |
| Salaries and employee benefits | $402,000 | 4,825 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $342,000 | 3,433 |
| Pre-tax net operating income | $633,000 | 3,103 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $228,000 | 2,392 |
| Income before extraordinary items | $405,000 | 3,588 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $405,000 | 3,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $75,000 | 3,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $405,000 | 3,553 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,079,000 | 4,800 |
| Total interest expense | $714,000 | 6,537 |
| Net interest income | $4,365,000 | 4,216 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,129,000 | 3,263 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $967,000 | 1,818 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $162,000 | 5,528 |
| Total noninterest expense | $3,229,000 | 4,436 |
| Salaries and employee benefits | $1,627,000 | 4,682 |
| Premises and equipment expense | $272,000 | 5,968 |
| Additional noninterest expense | $1,330,000 | 3,460 |
| Pre-tax net operating income | $2,265,000 | 3,230 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $802,000 | 2,532 |
| Income before extraordinary items | $1,463,000 | 3,693 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,463,000 | 3,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,009 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,463,000 | 3,637 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,809,000 | 4,780 |
| Total interest expense | $532,000 | 6,549 |
| Net interest income | $3,277,000 | 4,194 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $858,000 | 3,252 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $735,000 | 1,807 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $123,000 | 5,520 |
| Total noninterest expense | $2,385,000 | 4,451 |
| Salaries and employee benefits | $1,200,000 | 4,684 |
| Premises and equipment expense | $196,000 | 6,042 |
| Additional noninterest expense | $989,000 | 3,462 |
| Pre-tax net operating income | $1,750,000 | 3,209 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $619,000 | 2,516 |
| Income before extraordinary items | $1,131,000 | 3,695 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,131,000 | 3,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,635 |
| Cash dividends | $225,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,131,000 | 3,623 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,538,000 | 4,791 |
| Total interest expense | $355,000 | 6,580 |
| Net interest income | $2,183,000 | 4,206 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $568,000 | 3,294 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $485,000 | 1,805 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $83,000 | 5,537 |
| Total noninterest expense | $1,620,000 | 4,417 |
| Salaries and employee benefits | $820,000 | 4,631 |
| Premises and equipment expense | $130,000 | 6,101 |
| Additional noninterest expense | $670,000 | 3,426 |
| Pre-tax net operating income | $1,131,000 | 3,257 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $400,000 | 2,557 |
| Income before extraordinary items | $731,000 | 3,761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $731,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $731,000 | 3,670 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,279,000 | 4,780 |
| Total interest expense | $183,000 | 6,574 |
| Net interest income | $1,096,000 | 4,191 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $280,000 | 3,264 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $236,000 | 1,806 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $44,000 | 5,375 |
| Total noninterest expense | $775,000 | 4,577 |
| Salaries and employee benefits | $392,000 | 4,808 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $318,000 | 3,565 |
| Pre-tax net operating income | $601,000 | 3,074 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $213,000 | 2,469 |
| Income before extraordinary items | $388,000 | 3,592 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $388,000 | 3,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $75,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $388,000 | 3,475 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,586,000 | 4,514 |
| Total interest expense | $952,000 | 6,255 |
| Net interest income | $4,634,000 | 3,912 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $1,083,000 | 3,539 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $914,000 | 1,891 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $169,000 | 5,608 |
| Total noninterest expense | $3,160,000 | 4,450 |
| Salaries and employee benefits | $1,642,000 | 4,551 |
| Premises and equipment expense | $264,000 | 6,033 |
| Additional noninterest expense | $1,254,000 | 3,604 |
| Pre-tax net operating income | $2,357,000 | 3,022 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $831,000 | 2,474 |
| Income before extraordinary items | $1,526,000 | 3,515 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,526,000 | 3,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,544 |
| Cash dividends | $265,000 | 4,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,526,000 | 3,348 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,267,000 | 4,511 |
| Total interest expense | $752,000 | 6,266 |
| Net interest income | $3,515,000 | 3,889 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $775,000 | 3,714 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $652,000 | 1,986 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 5,698 |
| Total noninterest expense | $2,327,000 | 4,491 |
| Salaries and employee benefits | $1,200,000 | 4,618 |
| Premises and equipment expense | $199,000 | 6,021 |
| Additional noninterest expense | $928,000 | 3,620 |
| Pre-tax net operating income | $1,783,000 | 3,096 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $638,000 | 2,555 |
| Income before extraordinary items | $1,145,000 | 3,628 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,145,000 | 3,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,438 |
| Cash dividends | $197,000 | 4,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,145,000 | 3,452 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,877,000 | 4,515 |
| Total interest expense | $526,000 | 6,226 |
| Net interest income | $2,351,000 | 3,884 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $499,000 | 3,746 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $414,000 | 2,033 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $85,000 | 5,621 |
| Total noninterest expense | $1,524,000 | 4,532 |
| Salaries and employee benefits | $769,000 | 4,759 |
| Premises and equipment expense | $137,000 | 5,926 |
| Additional noninterest expense | $618,000 | 3,627 |
| Pre-tax net operating income | $1,206,000 | 3,070 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $429,000 | 2,562 |
| Income before extraordinary items | $777,000 | 3,586 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $777,000 | 3,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,967 |
| Cash dividends | $133,000 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $777,000 | 3,389 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 4,499 |
| Total interest expense | $277,000 | 6,183 |
| Net interest income | $1,182,000 | 3,873 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $237,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $193,000 | 2,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 5,509 |
| Total noninterest expense | $770,000 | 4,484 |
| Salaries and employee benefits | $386,000 | 4,735 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $316,000 | 3,497 |
| Pre-tax net operating income | $589,000 | 3,130 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $209,000 | 2,617 |
| Income before extraordinary items | $380,000 | 3,601 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $380,000 | 3,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,357 |
| Cash dividends | $66,000 | 3,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $380,000 | 3,426 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,355,000 | 4,393 |
| Total interest expense | $1,309,000 | 6,150 |
| Net interest income | $5,046,000 | 3,647 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $1,025,000 | 3,427 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $795,000 | 2,007 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $230,000 | 4,752 |
| Total noninterest expense | $3,141,000 | 4,314 |
| Salaries and employee benefits | $1,598,000 | 4,459 |
| Premises and equipment expense | $262,000 | 5,976 |
| Additional noninterest expense | $1,281,000 | 3,424 |
| Pre-tax net operating income | $2,730,000 | 2,696 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $924,000 | 2,345 |
| Income before extraordinary items | $1,806,000 | 3,028 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,806,000 | 3,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 4,084 |
| Cash dividends | $240,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,806,000 | 2,937 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 4,449 |
| Total interest expense | $2,304,000 | 5,656 |
| Net interest income | $4,669,000 | 3,630 |
| Provision for loan and lease losses | $305,000 | 3,160 |
| Total noninterest income | $775,000 | 3,938 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $762,000 | 1,985 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $13,000 | 9,003 |
| Total noninterest expense | $3,106,000 | 4,219 |
| Salaries and employee benefits | $1,361,000 | 4,864 |
| Premises and equipment expense | $277,000 | 5,776 |
| Additional noninterest expense | $1,468,000 | 2,930 |
| Pre-tax net operating income | $2,033,000 | 3,136 |
| Securities gains (losses) | $125,000 | 1,571 |
| Applicable income taxes | $723,000 | 2,613 |
| Income before extraordinary items | $1,435,000 | 3,333 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,435,000 | 3,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,450 |
| Cash dividends | $233,000 | 4,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,352,500 | 3,394 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,173,000 | 4,492 |
| Total interest expense | $2,481,000 | 5,582 |
| Net interest income | $4,692,000 | 3,668 |
| Provision for loan and lease losses | $276,000 | 3,030 |
| Total noninterest income | $737,000 | 3,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $594,000 | 2,311 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,596 |
| Total noninterest expense | $3,179,000 | 4,035 |
| Salaries and employee benefits | $1,500,000 | 4,363 |
| Premises and equipment expense | $365,000 | 4,803 |
| Additional noninterest expense | $1,314,000 | 3,153 |
| Pre-tax net operating income | $1,974,000 | 3,358 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $679,000 | 2,853 |
| Income before extraordinary items | $1,295,000 | 3,647 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,295,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,244 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,295,000 | 3,641 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,443,000 | 7,968 |
| Total interest expense | $851,000 | 8,564 |
| Net interest income | $1,592,000 | 7,406 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $274,000 | 6,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 4,948 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,716 |
| Total noninterest expense | $1,473,000 | 6,841 |
| Salaries and employee benefits | $650,000 | 7,488 |
| Premises and equipment expense | $300,000 | 5,462 |
| Additional noninterest expense | $523,000 | 6,337 |
| Pre-tax net operating income | $313,000 | 8,024 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $109,000 | 6,807 |
| Income before extraordinary items | $204,000 | 8,278 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $204,000 | 8,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,934 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $204,000 | 8,242 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,593,000 | 4,619 |
| Total interest expense | $2,560,000 | 5,278 |
| Net interest income | $4,033,000 | 4,093 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $621,000 | 4,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 2,753 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,488 |
| Total noninterest expense | $3,276,000 | 3,817 |
| Salaries and employee benefits | $1,826,000 | 3,625 |
| Premises and equipment expense | $535,000 | 3,511 |
| Additional noninterest expense | $915,000 | 4,233 |
| Pre-tax net operating income | $1,138,000 | 5,046 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $313,000 | 5,062 |
| Income before extraordinary items | $825,000 | 5,098 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $825,000 | 5,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,269 |
| Cash dividends | $225,000 | 5,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $825,000 | 5,009 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,202,000 | 4,928 |
| Total interest expense | $2,484,000 | 5,438 |
| Net interest income | $3,718,000 | 4,507 |
| Provision for loan and lease losses | $225,000 | 3,186 |
| Total noninterest income | $564,000 | 4,608 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $464,000 | 2,822 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,788 |
| Total noninterest expense | $2,970,000 | 4,127 |
| Salaries and employee benefits | $1,734,000 | 3,768 |
| Premises and equipment expense | $495,000 | 3,740 |
| Additional noninterest expense | $741,000 | 4,996 |
| Pre-tax net operating income | $1,087,000 | 5,575 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $308,000 | 5,651 |
| Income before extraordinary items | $779,000 | 5,545 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $779,000 | 5,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,394 |
| Cash dividends | $225,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $779,000 | 5,504 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,031,000 | 5,904 |
| Total interest expense | $1,875,000 | 6,669 |
| Net interest income | $3,156,000 | 5,242 |
| Provision for loan and lease losses | $170,000 | 3,812 |
| Total noninterest income | $456,000 | 5,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,444 |
| Total noninterest expense | $2,368,000 | 5,231 |
| Salaries and employee benefits | $1,461,000 | 4,417 |
| Premises and equipment expense | $378,000 | 4,742 |
| Additional noninterest expense | $529,000 | 6,844 |
| Pre-tax net operating income | $1,074,000 | 5,499 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $314,000 | 5,691 |
| Income before extraordinary items | $760,000 | 5,472 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $760,000 | 5,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,567 |
| Cash dividends | $225,000 | 5,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $760,000 | 5,423 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,096,000 | 6,881 |
| Total interest expense | $1,435,000 | 7,872 |
| Net interest income | $2,661,000 | 6,024 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $374,000 | 6,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,653 |
| Total noninterest expense | $1,886,000 | 6,263 |
| Salaries and employee benefits | $1,167,000 | 5,338 |
| Premises and equipment expense | $286,000 | 5,843 |
| Additional noninterest expense | $436,000 | 7,846 |
| Pre-tax net operating income | $1,089,000 | 5,640 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $271,000 | 6,353 |
| Income before extraordinary items | $818,000 | 5,358 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $818,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $225,000 | 5,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $818,000 | 5,333 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 7,041 |
| Total interest expense | $1,142,000 | 8,136 |
| Net interest income | $2,577,000 | 6,312 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $351,000 | 6,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,914,000 | 6,419 |
| Salaries and employee benefits | $1,052,000 | 5,841 |
| Premises and equipment expense | $207,000 | 7,274 |
| Additional noninterest expense | $655,000 | 6,638 |
| Pre-tax net operating income | $894,000 | 6,433 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $200,000 | 7,346 |
| Income before extraordinary items | $694,000 | 5,956 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $694,000 | 5,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $225,000 | 5,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $694,000 | 6,016 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,720,000 | 7,231 |
| Total interest expense | $1,130,000 | 8,557 |
| Net interest income | $2,590,000 | 6,385 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $368,000 | 6,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $1,653,000 | 7,343 |
| Salaries and employee benefits | $973,000 | 6,290 |
| Premises and equipment expense | $151,000 | 8,878 |
| Additional noninterest expense | $529,000 | 7,961 |
| Pre-tax net operating income | $1,185,000 | 5,229 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $290,000 | 6,196 |
| Income before extraordinary items | $898,000 | 5,106 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $898,000 | 5,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $225,000 | 5,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $894,960 | 4,899 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,705,000 | 7,898 |
| Total interest expense | $1,327,000 | 9,135 |
| Net interest income | $2,378,000 | 6,830 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $524,000 | 5,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 4,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,787 |
| Total noninterest expense | $1,599,000 | 7,585 |
| Salaries and employee benefits | $916,000 | 6,526 |
| Premises and equipment expense | $150,000 | 9,105 |
| Additional noninterest expense | $533,000 | 8,167 |
| Pre-tax net operating income | $1,183,000 | 4,973 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $342,000 | 5,442 |
| Income before extraordinary items | $841,000 | 5,157 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $841,000 | 5,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 12,539 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $841,000 | 4,854 |
* 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.