Home > 1st Regents Bank > Income and Expense
1st Regents Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,247,000 | 5,981 |
| Total interest expense | $588,000 | 4,792 |
| Net interest income | $1,659,000 | 6,148 |
| Provision for loan and lease losses | $162,000 | 4,200 |
| Total noninterest income | $-354,000 | 6,968 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $59,000 | 6,075 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-413,000 | 6,902 |
| Total noninterest expense | $2,690,000 | 4,990 |
| Salaries and employee benefits | $886,000 | 5,929 |
| Premises and equipment expense | $251,000 | 5,342 |
| Additional noninterest expense | $1,553,000 | 3,704 |
| Pre-tax net operating income | $-1,547,000 | 6,751 |
| Securities gains (losses) | $68,000 | 2,541 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-1,479,000 | 6,782 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,479,000 | 6,779 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,479,000 | 6,780 |
| Net charge-offs | $1,842,000 | 1,233 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,547,000 | 6,767 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,723,000 | 6,050 |
| Total interest expense | $493,000 | 4,674 |
| Net interest income | $1,230,000 | 6,265 |
| Provision for loan and lease losses | $162,000 | 3,784 |
| Total noninterest income | $-282,000 | 7,075 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $44,000 | 6,164 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-326,000 | 7,028 |
| Total noninterest expense | $1,762,000 | 5,350 |
| Salaries and employee benefits | $687,000 | 5,892 |
| Premises and equipment expense | $188,000 | 5,392 |
| Additional noninterest expense | $887,000 | 4,427 |
| Pre-tax net operating income | $-976,000 | 6,824 |
| Securities gains (losses) | $68,000 | 2,251 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-908,000 | 6,860 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-908,000 | 6,858 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-908,000 | 6,859 |
| Net charge-offs | $712,000 | 1,796 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-976,000 | 6,842 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 6,007 |
| Total interest expense | $364,000 | 4,554 |
| Net interest income | $844,000 | 6,269 |
| Provision for loan and lease losses | $-46,000 | 7,069 |
| Total noninterest income | $-224,000 | 7,150 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $30,000 | 6,175 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-254,000 | 7,099 |
| Total noninterest expense | $1,193,000 | 5,348 |
| Salaries and employee benefits | $479,000 | 5,864 |
| Premises and equipment expense | $126,000 | 5,402 |
| Additional noninterest expense | $588,000 | 4,443 |
| Pre-tax net operating income | $-527,000 | 6,829 |
| Securities gains (losses) | $38,000 | 2,209 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-489,000 | 6,864 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-489,000 | 6,865 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-489,000 | 6,865 |
| Net charge-offs | $-45,000 | 6,962 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-527,000 | 6,842 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $619,000 | 6,020 |
| Total interest expense | $197,000 | 4,486 |
| Net interest income | $422,000 | 6,313 |
| Provision for loan and lease losses | $41,000 | 3,896 |
| Total noninterest income | $-70,000 | 7,192 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $14,000 | 6,234 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-84,000 | 7,142 |
| Total noninterest expense | $578,000 | 5,458 |
| Salaries and employee benefits | $232,000 | 5,972 |
| Premises and equipment expense | $67,000 | 5,306 |
| Additional noninterest expense | $279,000 | 4,564 |
| Pre-tax net operating income | $-267,000 | 6,921 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-267,000 | 6,962 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-267,000 | 6,963 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-267,000 | 6,963 |
| Net charge-offs | $-44,000 | 7,047 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-267,000 | 6,924 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,952,000 | 5,792 |
| Total interest expense | $1,195,000 | 3,974 |
| Net interest income | $1,757,000 | 6,303 |
| Provision for loan and lease losses | $167,000 | 4,829 |
| Total noninterest income | $-229,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $58,000 | 6,200 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-287,000 | 7,010 |
| Total noninterest expense | $2,626,000 | 5,227 |
| Salaries and employee benefits | $953,000 | 5,958 |
| Premises and equipment expense | $429,000 | 4,410 |
| Additional noninterest expense | $1,244,000 | 4,348 |
| Pre-tax net operating income | $-1,265,000 | 6,652 |
| Securities gains (losses) | $21,000 | 3,059 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,244,000 | 6,710 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,244,000 | 6,710 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,244,000 | 6,710 |
| Net charge-offs | $378,000 | 3,520 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,265,000 | 6,678 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,320,000 | 5,760 |
| Total interest expense | $930,000 | 4,004 |
| Net interest income | $1,390,000 | 6,260 |
| Provision for loan and lease losses | $353,000 | 3,401 |
| Total noninterest income | $-404,000 | 7,287 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $44,000 | 6,219 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-448,000 | 7,222 |
| Total noninterest expense | $1,793,000 | 5,451 |
| Salaries and employee benefits | $728,000 | 5,929 |
| Premises and equipment expense | $332,000 | 4,380 |
| Additional noninterest expense | $733,000 | 4,979 |
| Pre-tax net operating income | $-1,160,000 | 6,839 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,160,000 | 6,902 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,160,000 | 6,904 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,160,000 | 6,903 |
| Net charge-offs | $102,000 | 4,407 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,160,000 | 6,869 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,596,000 | 5,745 |
| Total interest expense | $637,000 | 4,047 |
| Net interest income | $959,000 | 6,239 |
| Provision for loan and lease losses | $459,000 | 2,417 |
| Total noninterest income | $-141,000 | 7,322 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $30,000 | 6,196 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-171,000 | 7,256 |
| Total noninterest expense | $1,224,000 | 5,476 |
| Salaries and employee benefits | $480,000 | 6,010 |
| Premises and equipment expense | $226,000 | 4,382 |
| Additional noninterest expense | $518,000 | 4,905 |
| Pre-tax net operating income | $-865,000 | 6,933 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-865,000 | 6,985 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-865,000 | 6,984 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-865,000 | 6,985 |
| Net charge-offs | $114,000 | 3,709 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-865,000 | 6,970 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $809,000 | 5,757 |
| Total interest expense | $327,000 | 4,088 |
| Net interest income | $482,000 | 6,248 |
| Provision for loan and lease losses | $327,000 | 1,839 |
| Total noninterest income | $-132,000 | 7,442 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $13,000 | 6,312 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-145,000 | 7,401 |
| Total noninterest expense | $629,000 | 5,429 |
| Salaries and employee benefits | $240,000 | 6,054 |
| Premises and equipment expense | $119,000 | 4,293 |
| Additional noninterest expense | $270,000 | 4,792 |
| Pre-tax net operating income | $-606,000 | 7,135 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-606,000 | 7,175 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-606,000 | 7,176 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-606,000 | 7,176 |
| Net charge-offs | $71,000 | 3,061 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-606,000 | 7,165 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,727,000 | 5,572 |
| Total interest expense | $1,651,000 | 4,042 |
| Net interest income | $2,076,000 | 6,176 |
| Provision for loan and lease losses | $1,712,000 | 2,283 |
| Total noninterest income | $-1,015,000 | 7,545 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $59,000 | 6,093 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,074,000 | 7,497 |
| Total noninterest expense | $2,371,000 | 5,628 |
| Salaries and employee benefits | $958,000 | 6,113 |
| Premises and equipment expense | $462,000 | 4,391 |
| Additional noninterest expense | $951,000 | 5,220 |
| Pre-tax net operating income | $-3,022,000 | 6,924 |
| Securities gains (losses) | $305,000 | 1,247 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-2,717,000 | 6,963 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,717,000 | 6,963 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,717,000 | 6,964 |
| Net charge-offs | $1,859,000 | 1,949 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $455,000 | 487 |
| Net operating income | $-3,022,000 | 6,977 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 5,610 |
| Total interest expense | $1,292,000 | 4,081 |
| Net interest income | $1,568,000 | 6,250 |
| Provision for loan and lease losses | $410,000 | 3,866 |
| Total noninterest income | $-380,000 | 7,622 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $45,000 | 6,161 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-425,000 | 7,553 |
| Total noninterest expense | $1,798,000 | 5,638 |
| Salaries and employee benefits | $723,000 | 6,147 |
| Premises and equipment expense | $345,000 | 4,469 |
| Additional noninterest expense | $730,000 | 5,161 |
| Pre-tax net operating income | $-1,020,000 | 6,797 |
| Securities gains (losses) | $28,000 | 2,749 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-992,000 | 6,896 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-992,000 | 6,896 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-992,000 | 6,896 |
| Net charge-offs | $1,558,000 | 1,748 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 392 |
| Net operating income | $-1,020,000 | 6,865 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,933,000 | 5,620 |
| Total interest expense | $895,000 | 4,080 |
| Net interest income | $1,038,000 | 6,296 |
| Provision for loan and lease losses | $274,000 | 3,769 |
| Total noninterest income | $131,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $32,000 | 6,127 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $99,000 | 4,658 |
| Total noninterest expense | $1,362,000 | 5,325 |
| Salaries and employee benefits | $493,000 | 6,149 |
| Premises and equipment expense | $230,000 | 4,499 |
| Additional noninterest expense | $639,000 | 4,428 |
| Pre-tax net operating income | $-467,000 | 6,723 |
| Securities gains (losses) | $28,000 | 2,205 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-439,000 | 6,817 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-439,000 | 6,819 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-439,000 | 6,818 |
| Net charge-offs | $552,000 | 2,332 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 282 |
| Net operating income | $-467,000 | 6,793 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $956,000 | 5,713 |
| Total interest expense | $462,000 | 4,128 |
| Net interest income | $494,000 | 6,440 |
| Provision for loan and lease losses | $180,000 | 3,129 |
| Total noninterest income | $20,000 | 7,107 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $18,000 | 6,033 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,000 | 7,254 |
| Total noninterest expense | $632,000 | 5,610 |
| Salaries and employee benefits | $292,000 | 5,884 |
| Premises and equipment expense | $120,000 | 4,460 |
| Additional noninterest expense | $220,000 | 5,460 |
| Pre-tax net operating income | $-298,000 | 6,967 |
| Securities gains (losses) | $27,000 | 1,400 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-271,000 | 7,041 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-271,000 | 7,042 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-271,000 | 7,041 |
| Net charge-offs | $449,000 | 1,664 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-298,000 | 7,034 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,575,000 | 5,377 |
| Total interest expense | $2,030,000 | 4,403 |
| Net interest income | $2,545,000 | 5,791 |
| Provision for loan and lease losses | $4,438,000 | 1,555 |
| Total noninterest income | $-428,000 | 7,872 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $80,000 | 6,027 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-508,000 | 7,807 |
| Total noninterest expense | $2,265,000 | 5,928 |
| Salaries and employee benefits | $944,000 | 6,360 |
| Premises and equipment expense | $465,000 | 4,582 |
| Additional noninterest expense | $856,000 | 5,645 |
| Pre-tax net operating income | $-4,586,000 | 7,139 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-4,586,000 | 7,217 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,586,000 | 7,216 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,586,000 | 7,216 |
| Net charge-offs | $3,524,000 | 1,454 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-4,586,000 | 7,232 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,504,000 | 5,389 |
| Total interest expense | $1,552,000 | 4,496 |
| Net interest income | $1,952,000 | 5,762 |
| Provision for loan and lease losses | $2,605,000 | 1,617 |
| Total noninterest income | $71,000 | 7,147 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $62,000 | 6,042 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $9,000 | 7,300 |
| Total noninterest expense | $1,573,000 | 6,138 |
| Salaries and employee benefits | $692,000 | 6,439 |
| Premises and equipment expense | $358,000 | 4,549 |
| Additional noninterest expense | $523,000 | 6,142 |
| Pre-tax net operating income | $-2,155,000 | 7,086 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,155,000 | 7,216 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,155,000 | 7,214 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,155,000 | 7,215 |
| Net charge-offs | $2,197,000 | 1,423 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,155,000 | 7,203 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,397,000 | 5,363 |
| Total interest expense | $1,051,000 | 4,576 |
| Net interest income | $1,346,000 | 5,680 |
| Provision for loan and lease losses | $383,000 | 3,350 |
| Total noninterest income | $47,000 | 7,216 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $41,000 | 6,055 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,000 | 7,431 |
| Total noninterest expense | $1,319,000 | 5,600 |
| Salaries and employee benefits | $709,000 | 5,454 |
| Premises and equipment expense | $236,000 | 4,619 |
| Additional noninterest expense | $374,000 | 6,005 |
| Pre-tax net operating income | $-309,000 | 6,443 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-309,000 | 6,549 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-309,000 | 6,549 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-309,000 | 6,549 |
| Net charge-offs | $634,000 | 2,081 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-309,000 | 6,539 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,164,000 | 5,503 |
| Total interest expense | $543,000 | 4,611 |
| Net interest income | $621,000 | 5,909 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $21,000 | 7,376 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $19,000 | 6,115 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,000 | 7,617 |
| Total noninterest expense | $664,000 | 5,529 |
| Salaries and employee benefits | $370,000 | 5,391 |
| Premises and equipment expense | $116,000 | 4,722 |
| Additional noninterest expense | $178,000 | 5,885 |
| Pre-tax net operating income | $-22,000 | 6,375 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-22,000 | 6,523 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-22,000 | 6,524 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-22,000 | 6,524 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-22,000 | 6,401 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,290,000 | 5,301 |
| Total interest expense | $2,446,000 | 4,802 |
| Net interest income | $2,844,000 | 5,556 |
| Provision for loan and lease losses | $1,835,000 | 1,910 |
| Total noninterest income | $81,000 | 7,487 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $70,000 | 6,338 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $11,000 | 7,663 |
| Total noninterest expense | $2,780,000 | 5,349 |
| Salaries and employee benefits | $1,778,000 | 4,833 |
| Premises and equipment expense | $485,000 | 4,545 |
| Additional noninterest expense | $517,000 | 6,559 |
| Pre-tax net operating income | $-1,690,000 | 7,261 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,690,000 | 7,275 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,690,000 | 7,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,276,000 | 1,715 |
| Cash dividends | $268,000 | 4,230 |
| Sale, conversion, retirement of capital stock, net | $1,204,000 | 401 |
| Net operating income | $-1,690,000 | 7,381 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 5,246 |
| Total interest expense | $1,859,000 | 4,875 |
| Net interest income | $2,287,000 | 5,409 |
| Provision for loan and lease losses | $625,000 | 2,414 |
| Total noninterest income | $61,000 | 7,617 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $53,000 | 6,369 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $8,000 | 7,837 |
| Total noninterest expense | $2,041,000 | 5,403 |
| Salaries and employee benefits | $1,287,000 | 4,963 |
| Premises and equipment expense | $366,000 | 4,539 |
| Additional noninterest expense | $388,000 | 6,536 |
| Pre-tax net operating income | $-318,000 | 7,127 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-318,000 | 7,042 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-318,000 | 7,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,642 |
| Cash dividends | $268,000 | 3,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-318,000 | 7,187 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,857,000 | 5,229 |
| Total interest expense | $1,275,000 | 4,946 |
| Net interest income | $1,582,000 | 5,302 |
| Provision for loan and lease losses | $85,000 | 4,532 |
| Total noninterest income | $39,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $34,000 | 6,431 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $5,000 | 7,937 |
| Total noninterest expense | $1,394,000 | 5,362 |
| Salaries and employee benefits | $881,000 | 4,901 |
| Premises and equipment expense | $249,000 | 4,520 |
| Additional noninterest expense | $264,000 | 6,514 |
| Pre-tax net operating income | $142,000 | 6,162 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $142,000 | 6,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $142,000 | 6,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $268,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $142,000 | 5,970 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,444,000 | 5,299 |
| Total interest expense | $663,000 | 5,020 |
| Net interest income | $781,000 | 5,379 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $18,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $728,000 | 5,233 |
| Salaries and employee benefits | $461,000 | 4,811 |
| Premises and equipment expense | $127,000 | 4,473 |
| Additional noninterest expense | $140,000 | 6,353 |
| Pre-tax net operating income | $41,000 | 6,714 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $41,000 | 6,705 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $41,000 | 6,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $268,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $41,000 | 6,610 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,068,000 | 5,193 |
| Total interest expense | $2,828,000 | 4,958 |
| Net interest income | $3,240,000 | 5,280 |
| Provision for loan and lease losses | $520,000 | 2,271 |
| Total noninterest income | $84,000 | 7,723 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $67,000 | 6,488 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $17,000 | 7,873 |
| Total noninterest expense | $2,460,000 | 5,654 |
| Salaries and employee benefits | $1,539,000 | 5,227 |
| Premises and equipment expense | $415,000 | 4,907 |
| Additional noninterest expense | $506,000 | 6,543 |
| Pre-tax net operating income | $344,000 | 6,454 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $344,000 | 6,263 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $344,000 | 6,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,423 |
| Cash dividends | $720,000 | 3,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $344,000 | 6,246 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,622,000 | 5,150 |
| Total interest expense | $2,108,000 | 4,976 |
| Net interest income | $2,514,000 | 5,202 |
| Provision for loan and lease losses | $270,000 | 2,452 |
| Total noninterest income | $61,000 | 7,796 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,605 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $15,000 | 7,834 |
| Total noninterest expense | $1,851,000 | 5,609 |
| Salaries and employee benefits | $1,180,000 | 5,146 |
| Premises and equipment expense | $294,000 | 5,077 |
| Additional noninterest expense | $377,000 | 6,550 |
| Pre-tax net operating income | $454,000 | 5,950 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $454,000 | 5,560 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $454,000 | 5,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 1,779 |
| Cash dividends | $720,000 | 2,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $454,000 | 5,548 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,058,000 | 5,193 |
| Total interest expense | $1,366,000 | 5,057 |
| Net interest income | $1,692,000 | 5,185 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $42,000 | 7,820 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $29,000 | 6,696 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,000 | 7,713 |
| Total noninterest expense | $1,230,000 | 5,651 |
| Salaries and employee benefits | $800,000 | 5,133 |
| Premises and equipment expense | $190,000 | 5,178 |
| Additional noninterest expense | $240,000 | 6,691 |
| Pre-tax net operating income | $384,000 | 5,589 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $384,000 | 5,158 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $384,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,811 |
| Cash dividends | $720,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $384,000 | 5,146 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,470,000 | 5,328 |
| Total interest expense | $661,000 | 5,124 |
| Net interest income | $809,000 | 5,355 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $21,000 | 7,834 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $604,000 | 5,737 |
| Salaries and employee benefits | $391,000 | 5,243 |
| Premises and equipment expense | $96,000 | 5,179 |
| Additional noninterest expense | $117,000 | 6,762 |
| Pre-tax net operating income | $166,000 | 5,867 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $166,000 | 5,446 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $166,000 | 5,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,538 |
| Cash dividends | $720,000 | 1,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $166,000 | 5,433 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,161,000 | 5,467 |
| Total interest expense | $1,890,000 | 5,556 |
| Net interest income | $3,271,000 | 5,268 |
| Provision for loan and lease losses | $213,000 | 3,413 |
| Total noninterest income | $81,000 | 7,931 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $73,000 | 6,538 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,318 |
| Total noninterest expense | $2,203,000 | 5,874 |
| Salaries and employee benefits | $1,402,000 | 5,412 |
| Premises and equipment expense | $287,000 | 5,848 |
| Additional noninterest expense | $514,000 | 6,473 |
| Pre-tax net operating income | $936,000 | 5,340 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $936,000 | 4,852 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $936,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $388,000 | 4,144 |
| Sale, conversion, retirement of capital stock, net | $1,918,000 | 420 |
| Net operating income | $936,000 | 4,845 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 5,590 |
| Total interest expense | $1,293,000 | 5,723 |
| Net interest income | $2,417,000 | 5,357 |
| Provision for loan and lease losses | $105,000 | 3,999 |
| Total noninterest income | $62,000 | 8,001 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $56,000 | 6,588 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,383 |
| Total noninterest expense | $1,513,000 | 6,124 |
| Salaries and employee benefits | $945,000 | 5,719 |
| Premises and equipment expense | $205,000 | 6,000 |
| Additional noninterest expense | $363,000 | 6,610 |
| Pre-tax net operating income | $861,000 | 5,075 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $861,000 | 4,534 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $861,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $388,000 | 3,321 |
| Sale, conversion, retirement of capital stock, net | $1,870,000 | 318 |
| Net operating income | $861,000 | 4,515 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 5,686 |
| Total interest expense | $770,000 | 5,906 |
| Net interest income | $1,595,000 | 5,408 |
| Provision for loan and lease losses | $85,000 | 3,650 |
| Total noninterest income | $42,000 | 8,023 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $38,000 | 6,602 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,426 |
| Total noninterest expense | $976,000 | 6,239 |
| Salaries and employee benefits | $611,000 | 5,855 |
| Premises and equipment expense | $134,000 | 6,061 |
| Additional noninterest expense | $231,000 | 6,773 |
| Pre-tax net operating income | $576,000 | 5,093 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $576,000 | 4,544 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $576,000 | 4,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $388,000 | 2,767 |
| Sale, conversion, retirement of capital stock, net | $1,870,000 | 223 |
| Net operating income | $576,000 | 4,535 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 5,823 |
| Total interest expense | $351,000 | 6,035 |
| Net interest income | $757,000 | 5,580 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $485,000 | 6,266 |
| Salaries and employee benefits | $303,000 | 5,899 |
| Premises and equipment expense | $64,000 | 6,199 |
| Additional noninterest expense | $118,000 | 6,671 |
| Pre-tax net operating income | $252,000 | 5,358 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $252,000 | 4,841 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $252,000 | 4,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $388,000 | 1,666 |
| Sale, conversion, retirement of capital stock, net | $1,870,000 | 119 |
| Net operating income | $252,000 | 4,823 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,888,000 | 5,904 |
| Total interest expense | $992,000 | 6,315 |
| Net interest income | $2,896,000 | 5,617 |
| Provision for loan and lease losses | $43,000 | 5,912 |
| Total noninterest income | $75,000 | 8,190 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $62,000 | 6,895 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,328 |
| Total noninterest expense | $1,867,000 | 6,326 |
| Salaries and employee benefits | $1,219,000 | 5,745 |
| Premises and equipment expense | $237,000 | 6,342 |
| Additional noninterest expense | $411,000 | 7,036 |
| Pre-tax net operating income | $1,061,000 | 5,201 |
| Securities gains (losses) | $-71,000 | 8,313 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $990,000 | 4,867 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $990,000 | 4,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $191,000 | 4,973 |
| Sale, conversion, retirement of capital stock, net | $313,000 | 584 |
| Net operating income | $1,061,000 | 4,634 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 5,943 |
| Total interest expense | $693,000 | 6,385 |
| Net interest income | $2,159,000 | 5,648 |
| Provision for loan and lease losses | $38,000 | 5,602 |
| Total noninterest income | $49,000 | 8,333 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $43,000 | 7,015 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,503 |
| Total noninterest expense | $1,450,000 | 6,190 |
| Salaries and employee benefits | $956,000 | 5,572 |
| Premises and equipment expense | $174,000 | 6,372 |
| Additional noninterest expense | $320,000 | 6,960 |
| Pre-tax net operating income | $720,000 | 5,584 |
| Securities gains (losses) | $-71,000 | 8,571 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $649,000 | 5,270 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $649,000 | 5,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $191,000 | 4,131 |
| Sale, conversion, retirement of capital stock, net | $313,000 | 447 |
| Net operating income | $720,000 | 4,970 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 5,898 |
| Total interest expense | $441,000 | 6,362 |
| Net interest income | $1,452,000 | 5,597 |
| Provision for loan and lease losses | $33,000 | 5,080 |
| Total noninterest income | $33,000 | 8,334 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $29,000 | 6,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $4,000 | 8,501 |
| Total noninterest expense | $1,022,000 | 5,999 |
| Salaries and employee benefits | $702,000 | 5,239 |
| Premises and equipment expense | $113,000 | 6,431 |
| Additional noninterest expense | $207,000 | 7,008 |
| Pre-tax net operating income | $430,000 | 5,800 |
| Securities gains (losses) | $-71,000 | 8,661 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $359,000 | 5,717 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $359,000 | 5,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $191,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $313,000 | 332 |
| Net operating income | $430,000 | 5,221 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $883,000 | 6,097 |
| Total interest expense | $202,000 | 6,515 |
| Net interest income | $681,000 | 5,812 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $14,000 | 8,474 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $392,000 | 6,826 |
| Salaries and employee benefits | $232,000 | 6,593 |
| Premises and equipment expense | $58,000 | 6,415 |
| Additional noninterest expense | $102,000 | 7,090 |
| Pre-tax net operating income | $303,000 | 4,967 |
| Securities gains (losses) | $-71,000 | 8,815 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $232,000 | 5,054 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $232,000 | 5,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $191,000 | 2,287 |
| Sale, conversion, retirement of capital stock, net | $313,000 | 193 |
| Net operating income | $303,000 | 4,308 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,013,000 | 6,402 |
| Total interest expense | $576,000 | 7,037 |
| Net interest income | $2,437,000 | 6,086 |
| Provision for loan and lease losses | $150,000 | 4,230 |
| Total noninterest income | $62,000 | 8,478 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $55,000 | 7,212 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,000 | 8,637 |
| Total noninterest expense | $1,861,000 | 6,262 |
| Salaries and employee benefits | $1,234,000 | 5,612 |
| Premises and equipment expense | $241,000 | 6,295 |
| Additional noninterest expense | $386,000 | 7,200 |
| Pre-tax net operating income | $488,000 | 6,742 |
| Securities gains (losses) | $27,000 | 2,202 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $515,000 | 6,299 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $515,000 | 6,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $196,000 | 4,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $488,000 | 6,334 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 6,570 |
| Total interest expense | $409,000 | 7,159 |
| Net interest income | $1,736,000 | 6,233 |
| Provision for loan and lease losses | $125,000 | 3,916 |
| Total noninterest income | $47,000 | 8,525 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $41,000 | 7,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,650 |
| Total noninterest expense | $1,133,000 | 6,837 |
| Salaries and employee benefits | $679,000 | 6,540 |
| Premises and equipment expense | $182,000 | 6,256 |
| Additional noninterest expense | $272,000 | 7,311 |
| Pre-tax net operating income | $525,000 | 6,212 |
| Securities gains (losses) | $27,000 | 2,115 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $552,000 | 5,569 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $552,000 | 5,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $196,000 | 4,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $525,000 | 5,628 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 6,777 |
| Total interest expense | $258,000 | 7,325 |
| Net interest income | $1,082,000 | 6,449 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $31,000 | 8,586 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $752,000 | 6,886 |
| Salaries and employee benefits | $465,000 | 6,529 |
| Premises and equipment expense | $120,000 | 6,318 |
| Additional noninterest expense | $167,000 | 7,521 |
| Pre-tax net operating income | $261,000 | 6,761 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $261,000 | 6,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $261,000 | 6,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $196,000 | 3,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $261,000 | 6,261 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $628,000 | 6,957 |
| Total interest expense | $123,000 | 7,470 |
| Net interest income | $505,000 | 6,654 |
| Provision for loan and lease losses | $76,000 | 2,538 |
| Total noninterest income | $15,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $347,000 | 7,140 |
| Salaries and employee benefits | $220,000 | 6,718 |
| Premises and equipment expense | $62,000 | 6,230 |
| Additional noninterest expense | $65,000 | 8,009 |
| Pre-tax net operating income | $97,000 | 7,206 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $97,000 | 6,945 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $97,000 | 6,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $97,000 | 6,838 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,202,000 | 7,364 |
| Total interest expense | $425,000 | 8,032 |
| Net interest income | $1,777,000 | 6,934 |
| Provision for loan and lease losses | $153,000 | 4,541 |
| Total noninterest income | $39,000 | 8,870 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $33,000 | 7,674 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,000 | 8,884 |
| Total noninterest expense | $1,216,000 | 7,447 |
| Salaries and employee benefits | $704,000 | 7,287 |
| Premises and equipment expense | $234,000 | 6,382 |
| Additional noninterest expense | $278,000 | 7,911 |
| Pre-tax net operating income | $447,000 | 6,850 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $447,000 | 6,583 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $447,000 | 6,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $447,000 | 6,417 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,597,000 | 7,512 |
| Total interest expense | $305,000 | 8,217 |
| Net interest income | $1,292,000 | 7,066 |
| Provision for loan and lease losses | $131,000 | 4,208 |
| Total noninterest income | $28,000 | 8,963 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $24,000 | 7,765 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 8,966 |
| Total noninterest expense | $857,000 | 7,577 |
| Salaries and employee benefits | $503,000 | 7,384 |
| Premises and equipment expense | $170,000 | 6,470 |
| Additional noninterest expense | $184,000 | 8,143 |
| Pre-tax net operating income | $332,000 | 7,019 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $332,000 | 6,758 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $332,000 | 6,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $332,000 | 6,583 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 7,627 |
| Total interest expense | $188,000 | 8,408 |
| Net interest income | $835,000 | 7,157 |
| Provision for loan and lease losses | $96,000 | 3,940 |
| Total noninterest income | $18,000 | 9,005 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $15,000 | 7,804 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $534,000 | 7,752 |
| Salaries and employee benefits | $308,000 | 7,626 |
| Premises and equipment expense | $114,000 | 6,421 |
| Additional noninterest expense | $112,000 | 8,274 |
| Pre-tax net operating income | $223,000 | 7,020 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $223,000 | 6,758 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $223,000 | 6,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $223,000 | 6,557 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $460,000 | 7,918 |
| Total interest expense | $92,000 | 8,532 |
| Net interest income | $368,000 | 7,489 |
| Provision for loan and lease losses | $46,000 | 3,791 |
| Total noninterest income | $7,000 | 9,082 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $6,000 | 7,883 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $245,000 | 7,976 |
| Salaries and employee benefits | $145,000 | 7,801 |
| Premises and equipment expense | $53,000 | 6,622 |
| Additional noninterest expense | $47,000 | 8,571 |
| Pre-tax net operating income | $84,000 | 7,453 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $84,000 | 7,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $84,000 | 7,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $84,000 | 7,046 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,286,000 | 8,599 |
| Total interest expense | $291,000 | 8,908 |
| Net interest income | $995,000 | 8,269 |
| Provision for loan and lease losses | $118,000 | 5,458 |
| Total noninterest income | $21,000 | 9,168 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $17,000 | 8,012 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 9,098 |
| Total noninterest expense | $914,000 | 8,114 |
| Salaries and employee benefits | $515,000 | 8,086 |
| Premises and equipment expense | $178,000 | 7,061 |
| Additional noninterest expense | $221,000 | 8,404 |
| Pre-tax net operating income | $-16,000 | 8,668 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-16,000 | 8,751 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-16,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,300,000 | 268 |
| Net operating income | $-16,000 | 8,674 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $365,000 | 9,483 |
| Total interest expense | $76,000 | 9,483 |
| Net interest income | $289,000 | 9,427 |
| Provision for loan and lease losses | $73,000 | 6,134 |
| Total noninterest income | $5,000 | 9,512 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,000 | 8,339 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,000 | 9,423 |
| Total noninterest expense | $556,000 | 9,044 |
| Salaries and employee benefits | $279,000 | 9,147 |
| Premises and equipment expense | $113,000 | 8,103 |
| Additional noninterest expense | $164,000 | 8,958 |
| Pre-tax net operating income | $-335,000 | 9,060 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-335,000 | 9,147 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-335,000 | 9,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $4,700,000 | 204 |
| Net operating income | $-335,000 | 9,098 |
* 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.