Home > Ackley State Bank > Income and Expense
Ackley State Bank, Income and Expense
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $5,746,000 | 3,541 |
| Total interest expense | $823,000 | 2,769 |
| Net interest income | $4,923,000 | 3,622 |
| Provision for loan and lease losses | $40,000 | 3,741 |
| Total noninterest income | $1,731,000 | 2,304 |
| Gross Fiduciary activities income | $7,000 | 1,067 |
| Service charges on deposit accounts | $236,000 | 3,445 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,488,000 | 1,862 |
| Total noninterest expense | $4,443,000 | 3,483 |
| Salaries and employee benefits | $2,517,000 | 3,408 |
| Premises and equipment expense | $369,000 | 4,051 |
| Additional noninterest expense | $1,557,000 | 3,323 |
| Pre-tax net operating income | $2,171,000 | 2,862 |
| Securities gains (losses) | $30,000 | 1,994 |
| Applicable income taxes | $94,000 | 3,353 |
| Income before extraordinary items | $2,107,000 | 2,625 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,107,000 | 2,626 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,107,000 | 2,627 |
| Net charge-offs | $-274,000 | 5,914 |
| Cash dividends | $1,170,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $2,078,200 | 2,605 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $4,274,000 | 3,591 |
| Total interest expense | $635,000 | 2,749 |
| Net interest income | $3,639,000 | 3,684 |
| Provision for loan and lease losses | $40,000 | 3,461 |
| Total noninterest income | $1,215,000 | 2,404 |
| Gross Fiduciary activities income | $1,000 | 1,117 |
| Service charges on deposit accounts | $178,000 | 3,458 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,036,000 | 1,983 |
| Total noninterest expense | $3,438,000 | 3,441 |
| Salaries and employee benefits | $1,945,000 | 3,332 |
| Premises and equipment expense | $284,000 | 4,061 |
| Additional noninterest expense | $1,209,000 | 3,265 |
| Pre-tax net operating income | $1,376,000 | 3,228 |
| Securities gains (losses) | $30,000 | 1,795 |
| Applicable income taxes | $65,000 | 3,512 |
| Income before extraordinary items | $1,341,000 | 2,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,341,000 | 2,983 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,341,000 | 2,984 |
| Net charge-offs | $-277,000 | 6,024 |
| Cash dividends | $877,000 | 1,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $1,312,500 | 2,974 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,814,000 | 3,633 |
| Total interest expense | $429,000 | 2,733 |
| Net interest income | $2,385,000 | 3,748 |
| Provision for loan and lease losses | $30,000 | 3,185 |
| Total noninterest income | $776,000 | 2,461 |
| Gross Fiduciary activities income | $1,000 | 1,108 |
| Service charges on deposit accounts | $118,000 | 3,441 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $657,000 | 2,051 |
| Total noninterest expense | $2,282,000 | 3,481 |
| Salaries and employee benefits | $1,262,000 | 3,428 |
| Premises and equipment expense | $190,000 | 4,083 |
| Additional noninterest expense | $830,000 | 3,222 |
| Pre-tax net operating income | $849,000 | 3,344 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $38,000 | 3,598 |
| Income before extraordinary items | $811,000 | 3,129 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $811,000 | 3,129 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $811,000 | 3,130 |
| Net charge-offs | $0 | 3,893 |
| Cash dividends | $585,000 | 1,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $811,000 | 3,069 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 3,691 |
| Total interest expense | $219,000 | 2,717 |
| Net interest income | $1,159,000 | 3,821 |
| Provision for loan and lease losses | $15,000 | 2,956 |
| Total noninterest income | $370,000 | 2,497 |
| Gross Fiduciary activities income | $1,000 | 1,061 |
| Service charges on deposit accounts | $66,000 | 3,229 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $303,000 | 2,115 |
| Total noninterest expense | $1,139,000 | 3,506 |
| Salaries and employee benefits | $608,000 | 3,542 |
| Premises and equipment expense | $100,000 | 4,027 |
| Additional noninterest expense | $431,000 | 3,127 |
| Pre-tax net operating income | $375,000 | 3,489 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $17,000 | 3,603 |
| Income before extraordinary items | $358,000 | 3,334 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $358,000 | 3,337 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $358,000 | 3,337 |
| Net charge-offs | $0 | 3,288 |
| Cash dividends | $292,000 | 1,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $358,000 | 3,251 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $5,577,000 | 3,693 |
| Total interest expense | $859,000 | 2,894 |
| Net interest income | $4,718,000 | 3,801 |
| Provision for loan and lease losses | $20,000 | 4,238 |
| Total noninterest income | $1,982,000 | 2,120 |
| Gross Fiduciary activities income | $7,000 | 1,100 |
| Service charges on deposit accounts | $288,000 | 3,284 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,687,000 | 1,653 |
| Total noninterest expense | $4,710,000 | 3,450 |
| Salaries and employee benefits | $2,710,000 | 3,295 |
| Premises and equipment expense | $394,000 | 4,130 |
| Additional noninterest expense | $1,606,000 | 3,391 |
| Pre-tax net operating income | $1,970,000 | 3,000 |
| Securities gains (losses) | $24,000 | 2,223 |
| Applicable income taxes | $93,000 | 3,434 |
| Income before extraordinary items | $1,901,000 | 2,804 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,901,000 | 2,802 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,901,000 | 2,804 |
| Net charge-offs | $221,000 | 2,352 |
| Cash dividends | $1,179,000 | 1,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,878,200 | 2,779 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $4,155,000 | 3,739 |
| Total interest expense | $646,000 | 2,934 |
| Net interest income | $3,509,000 | 3,847 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $1,422,000 | 2,189 |
| Gross Fiduciary activities income | $1,000 | 1,152 |
| Service charges on deposit accounts | $209,000 | 3,384 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,212,000 | 1,707 |
| Total noninterest expense | $3,521,000 | 3,474 |
| Salaries and employee benefits | $2,008,000 | 3,344 |
| Premises and equipment expense | $298,000 | 4,162 |
| Additional noninterest expense | $1,215,000 | 3,362 |
| Pre-tax net operating income | $1,410,000 | 3,150 |
| Securities gains (losses) | $14,000 | 2,191 |
| Applicable income taxes | $69,000 | 3,494 |
| Income before extraordinary items | $1,355,000 | 2,928 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,355,000 | 2,928 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,355,000 | 2,929 |
| Net charge-offs | $221,000 | 1,890 |
| Cash dividends | $877,000 | 1,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,341,700 | 2,886 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,756,000 | 3,756 |
| Total interest expense | $434,000 | 2,945 |
| Net interest income | $2,322,000 | 3,865 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $793,000 | 2,425 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $134,000 | 3,443 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $659,000 | 1,925 |
| Total noninterest expense | $2,302,000 | 3,529 |
| Salaries and employee benefits | $1,333,000 | 3,371 |
| Premises and equipment expense | $203,000 | 4,148 |
| Additional noninterest expense | $766,000 | 3,530 |
| Pre-tax net operating income | $813,000 | 3,340 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $42,000 | 3,531 |
| Income before extraordinary items | $771,000 | 3,158 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $771,000 | 3,164 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $771,000 | 3,164 |
| Net charge-offs | $68,000 | 2,525 |
| Cash dividends | $585,000 | 1,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $771,000 | 3,118 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,370,000 | 3,781 |
| Total interest expense | $217,000 | 2,982 |
| Net interest income | $1,153,000 | 3,897 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $386,000 | 2,430 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $65,000 | 3,474 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $321,000 | 1,918 |
| Total noninterest expense | $1,093,000 | 3,683 |
| Salaries and employee benefits | $633,000 | 3,515 |
| Premises and equipment expense | $107,000 | 4,064 |
| Additional noninterest expense | $353,000 | 3,698 |
| Pre-tax net operating income | $446,000 | 3,105 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $20,000 | 3,505 |
| Income before extraordinary items | $426,000 | 2,882 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $426,000 | 2,885 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $426,000 | 2,885 |
| Net charge-offs | $32,000 | 2,181 |
| Cash dividends | $292,000 | 1,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $426,000 | 2,842 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $5,635,000 | 3,774 |
| Total interest expense | $995,000 | 2,950 |
| Net interest income | $4,640,000 | 3,886 |
| Provision for loan and lease losses | $106,000 | 3,635 |
| Total noninterest income | $2,133,000 | 2,067 |
| Gross Fiduciary activities income | $6,000 | 1,153 |
| Service charges on deposit accounts | $280,000 | 3,474 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,847,000 | 1,606 |
| Total noninterest expense | $4,825,000 | 3,492 |
| Salaries and employee benefits | $2,924,000 | 3,171 |
| Premises and equipment expense | $396,000 | 4,237 |
| Additional noninterest expense | $1,505,000 | 3,648 |
| Pre-tax net operating income | $1,842,000 | 3,010 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $82,000 | 3,519 |
| Income before extraordinary items | $1,760,000 | 2,846 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,760,000 | 2,848 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,760,000 | 2,849 |
| Net charge-offs | $-5,000 | 6,050 |
| Cash dividends | $1,335,000 | 1,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,760,000 | 2,791 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,225,000 | 3,808 |
| Total interest expense | $761,000 | 2,987 |
| Net interest income | $3,464,000 | 3,921 |
| Provision for loan and lease losses | $106,000 | 3,299 |
| Total noninterest income | $1,658,000 | 2,065 |
| Gross Fiduciary activities income | $1,000 | 1,186 |
| Service charges on deposit accounts | $207,000 | 3,518 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,450,000 | 1,593 |
| Total noninterest expense | $3,803,000 | 3,383 |
| Salaries and employee benefits | $2,318,000 | 3,073 |
| Premises and equipment expense | $309,000 | 4,190 |
| Additional noninterest expense | $1,176,000 | 3,550 |
| Pre-tax net operating income | $1,213,000 | 3,338 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $48,000 | 3,744 |
| Income before extraordinary items | $1,165,000 | 3,128 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,165,000 | 3,132 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,165,000 | 3,132 |
| Net charge-offs | $-5,000 | 5,968 |
| Cash dividends | $1,035,000 | 1,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,165,000 | 3,057 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,827,000 | 3,809 |
| Total interest expense | $520,000 | 2,982 |
| Net interest income | $2,307,000 | 3,921 |
| Provision for loan and lease losses | $106,000 | 2,878 |
| Total noninterest income | $1,109,000 | 2,085 |
| Gross Fiduciary activities income | $1,000 | 1,167 |
| Service charges on deposit accounts | $136,000 | 3,522 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $972,000 | 1,608 |
| Total noninterest expense | $2,555,000 | 3,369 |
| Salaries and employee benefits | $1,571,000 | 3,057 |
| Premises and equipment expense | $207,000 | 4,197 |
| Additional noninterest expense | $777,000 | 3,576 |
| Pre-tax net operating income | $755,000 | 3,432 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $32,000 | 3,725 |
| Income before extraordinary items | $723,000 | 3,253 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $723,000 | 3,254 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $723,000 | 3,256 |
| Net charge-offs | $-5,000 | 5,951 |
| Cash dividends | $660,000 | 1,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $723,000 | 3,160 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 3,796 |
| Total interest expense | $270,000 | 2,975 |
| Net interest income | $1,167,000 | 3,899 |
| Provision for loan and lease losses | $73,000 | 2,488 |
| Total noninterest income | $569,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $64,000 | 3,631 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $505,000 | 1,566 |
| Total noninterest expense | $1,287,000 | 3,375 |
| Salaries and employee benefits | $744,000 | 3,190 |
| Premises and equipment expense | $110,000 | 4,105 |
| Additional noninterest expense | $433,000 | 3,318 |
| Pre-tax net operating income | $376,000 | 3,399 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $16,000 | 3,717 |
| Income before extraordinary items | $360,000 | 3,219 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $360,000 | 3,219 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $360,000 | 3,221 |
| Net charge-offs | $-5,000 | 5,894 |
| Cash dividends | $240,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $360,000 | 3,123 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,654,000 | 3,989 |
| Total interest expense | $1,123,000 | 3,335 |
| Net interest income | $4,531,000 | 4,079 |
| Provision for loan and lease losses | $169,000 | 4,161 |
| Total noninterest income | $2,078,000 | 2,123 |
| Gross Fiduciary activities income | $7,000 | 1,163 |
| Service charges on deposit accounts | $240,000 | 3,940 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,831,000 | 1,622 |
| Total noninterest expense | $4,679,000 | 3,653 |
| Salaries and employee benefits | $2,799,000 | 3,279 |
| Premises and equipment expense | $337,000 | 4,709 |
| Additional noninterest expense | $1,543,000 | 3,720 |
| Pre-tax net operating income | $1,761,000 | 3,048 |
| Securities gains (losses) | $102,000 | 2,254 |
| Applicable income taxes | $81,000 | 3,650 |
| Income before extraordinary items | $1,782,000 | 2,809 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,782,000 | 2,812 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,782,000 | 2,811 |
| Net charge-offs | $-48,000 | 6,847 |
| Cash dividends | $757,000 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,684,080 | 2,786 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,130,000 | 4,134 |
| Total interest expense | $841,000 | 3,467 |
| Net interest income | $3,289,000 | 4,228 |
| Provision for loan and lease losses | $138,000 | 3,987 |
| Total noninterest income | $1,354,000 | 2,338 |
| Gross Fiduciary activities income | $3,000 | 1,175 |
| Service charges on deposit accounts | $166,000 | 4,125 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,185,000 | 1,785 |
| Total noninterest expense | $3,278,000 | 3,833 |
| Salaries and employee benefits | $1,870,000 | 3,593 |
| Premises and equipment expense | $242,000 | 4,872 |
| Additional noninterest expense | $1,166,000 | 3,726 |
| Pre-tax net operating income | $1,227,000 | 3,270 |
| Securities gains (losses) | $27,000 | 2,753 |
| Applicable income taxes | $57,000 | 3,726 |
| Income before extraordinary items | $1,197,000 | 3,079 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,197,000 | 3,078 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,197,000 | 3,077 |
| Net charge-offs | $-6,000 | 6,501 |
| Cash dividends | $445,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,171,350 | 2,977 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 4,330 |
| Total interest expense | $541,000 | 3,642 |
| Net interest income | $2,042,000 | 4,431 |
| Provision for loan and lease losses | $106,000 | 3,786 |
| Total noninterest income | $821,000 | 2,450 |
| Gross Fiduciary activities income | $1,000 | 1,200 |
| Service charges on deposit accounts | $98,000 | 4,344 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $722,000 | 1,881 |
| Total noninterest expense | $2,088,000 | 3,961 |
| Salaries and employee benefits | $1,165,000 | 3,779 |
| Premises and equipment expense | $154,000 | 4,990 |
| Additional noninterest expense | $769,000 | 3,770 |
| Pre-tax net operating income | $669,000 | 3,615 |
| Securities gains (losses) | $24,000 | 2,423 |
| Applicable income taxes | $32,000 | 3,794 |
| Income before extraordinary items | $661,000 | 3,452 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $661,000 | 3,453 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $661,000 | 3,453 |
| Net charge-offs | $-6,000 | 6,510 |
| Cash dividends | $304,000 | 2,123 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $638,200 | 3,341 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 4,649 |
| Total interest expense | $257,000 | 3,873 |
| Net interest income | $902,000 | 4,800 |
| Provision for loan and lease losses | $45,000 | 3,771 |
| Total noninterest income | $373,000 | 2,586 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $43,000 | 4,581 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $330,000 | 1,981 |
| Total noninterest expense | $983,000 | 4,143 |
| Salaries and employee benefits | $524,000 | 4,088 |
| Premises and equipment expense | $73,000 | 5,148 |
| Additional noninterest expense | $386,000 | 3,727 |
| Pre-tax net operating income | $247,000 | 4,189 |
| Securities gains (losses) | $11,000 | 1,753 |
| Applicable income taxes | $13,000 | 3,884 |
| Income before extraordinary items | $245,000 | 4,017 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $245,000 | 4,019 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $245,000 | 4,019 |
| Net charge-offs | $-6,000 | 6,458 |
| Cash dividends | $177,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $234,550 | 3,948 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 4,756 |
| Total interest expense | $1,161,000 | 4,057 |
| Net interest income | $3,469,000 | 4,914 |
| Provision for loan and lease losses | $293,000 | 4,170 |
| Total noninterest income | $1,344,000 | 2,611 |
| Gross Fiduciary activities income | $7,000 | 1,133 |
| Service charges on deposit accounts | $171,000 | 4,667 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,166,000 | 1,944 |
| Total noninterest expense | $3,405,000 | 4,552 |
| Salaries and employee benefits | $1,887,000 | 4,323 |
| Premises and equipment expense | $259,000 | 5,536 |
| Additional noninterest expense | $1,259,000 | 4,323 |
| Pre-tax net operating income | $1,115,000 | 3,511 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $48,000 | 3,778 |
| Income before extraordinary items | $1,067,000 | 3,425 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,067,000 | 3,428 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,067,000 | 3,428 |
| Net charge-offs | $222,000 | 4,167 |
| Cash dividends | $255,000 | 3,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,067,000 | 3,311 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,425,000 | 4,853 |
| Total interest expense | $890,000 | 4,121 |
| Net interest income | $2,535,000 | 5,023 |
| Provision for loan and lease losses | $200,000 | 4,143 |
| Total noninterest income | $797,000 | 3,012 |
| Gross Fiduciary activities income | $3,000 | 1,135 |
| Service charges on deposit accounts | $122,000 | 4,762 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $672,000 | 2,267 |
| Total noninterest expense | $2,469,000 | 4,638 |
| Salaries and employee benefits | $1,320,000 | 4,515 |
| Premises and equipment expense | $196,000 | 5,569 |
| Additional noninterest expense | $953,000 | 4,287 |
| Pre-tax net operating income | $663,000 | 4,063 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $31,000 | 3,860 |
| Income before extraordinary items | $632,000 | 3,936 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $632,000 | 3,938 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $632,000 | 3,938 |
| Net charge-offs | $66,000 | 4,779 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $632,000 | 3,823 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,246,000 | 4,944 |
| Total interest expense | $608,000 | 4,167 |
| Net interest income | $1,638,000 | 5,114 |
| Provision for loan and lease losses | $200,000 | 3,519 |
| Total noninterest income | $506,000 | 3,105 |
| Gross Fiduciary activities income | $2,000 | 1,136 |
| Service charges on deposit accounts | $73,000 | 4,960 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $431,000 | 2,327 |
| Total noninterest expense | $1,663,000 | 4,666 |
| Salaries and employee benefits | $892,000 | 4,508 |
| Premises and equipment expense | $124,000 | 5,711 |
| Additional noninterest expense | $647,000 | 4,315 |
| Pre-tax net operating income | $281,000 | 4,701 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $12,000 | 4,034 |
| Income before extraordinary items | $269,000 | 4,607 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $269,000 | 4,605 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $269,000 | 4,607 |
| Net charge-offs | $32,000 | 4,788 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $269,000 | 4,522 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,098,000 | 5,015 |
| Total interest expense | $311,000 | 4,208 |
| Net interest income | $787,000 | 5,219 |
| Provision for loan and lease losses | $125,000 | 3,068 |
| Total noninterest income | $216,000 | 3,428 |
| Gross Fiduciary activities income | $1,000 | 1,126 |
| Service charges on deposit accounts | $34,000 | 5,022 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $181,000 | 2,612 |
| Total noninterest expense | $838,000 | 4,668 |
| Salaries and employee benefits | $436,000 | 4,609 |
| Premises and equipment expense | $65,000 | 5,671 |
| Additional noninterest expense | $337,000 | 4,207 |
| Pre-tax net operating income | $40,000 | 5,887 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $2,000 | 4,282 |
| Income before extraordinary items | $38,000 | 5,879 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $38,000 | 5,878 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $38,000 | 5,879 |
| Net charge-offs | $-7,000 | 6,897 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $38,000 | 5,848 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,007,000 | 4,813 |
| Total interest expense | $1,489,000 | 4,285 |
| Net interest income | $3,518,000 | 4,935 |
| Provision for loan and lease losses | $627,000 | 3,775 |
| Total noninterest income | $321,000 | 5,290 |
| Gross Fiduciary activities income | $14,000 | 1,110 |
| Service charges on deposit accounts | $184,000 | 4,574 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $123,000 | 5,201 |
| Total noninterest expense | $3,193,000 | 4,844 |
| Salaries and employee benefits | $1,673,000 | 4,746 |
| Premises and equipment expense | $245,000 | 5,842 |
| Additional noninterest expense | $1,275,000 | 4,446 |
| Pre-tax net operating income | $19,000 | 5,713 |
| Securities gains (losses) | $33,000 | 2,887 |
| Applicable income taxes | $-14,000 | 6,594 |
| Income before extraordinary items | $66,000 | 5,731 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $66,000 | 5,732 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $66,000 | 5,732 |
| Net charge-offs | $1,082,000 | 2,576 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $33,000 | 5,727 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,808,000 | 4,873 |
| Total interest expense | $1,162,000 | 4,328 |
| Net interest income | $2,646,000 | 4,983 |
| Provision for loan and lease losses | $627,000 | 3,180 |
| Total noninterest income | $282,000 | 5,145 |
| Gross Fiduciary activities income | $8,000 | 1,127 |
| Service charges on deposit accounts | $145,000 | 4,547 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $129,000 | 4,876 |
| Total noninterest expense | $2,375,000 | 4,883 |
| Salaries and employee benefits | $1,250,000 | 4,791 |
| Premises and equipment expense | $189,000 | 5,848 |
| Additional noninterest expense | $936,000 | 4,495 |
| Pre-tax net operating income | $-74,000 | 6,127 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-18,000 | 6,880 |
| Income before extraordinary items | $-56,000 | 6,241 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-56,000 | 6,242 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-56,000 | 6,242 |
| Net charge-offs | $393,000 | 3,379 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-56,000 | 6,126 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 4,823 |
| Total interest expense | $806,000 | 4,326 |
| Net interest income | $1,815,000 | 4,920 |
| Provision for loan and lease losses | $627,000 | 2,516 |
| Total noninterest income | $41,000 | 7,003 |
| Gross Fiduciary activities income | $5,000 | 1,142 |
| Service charges on deposit accounts | $95,000 | 4,578 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-59,000 | 7,470 |
| Total noninterest expense | $1,698,000 | 4,706 |
| Salaries and employee benefits | $877,000 | 4,663 |
| Premises and equipment expense | $127,000 | 5,857 |
| Additional noninterest expense | $694,000 | 4,198 |
| Pre-tax net operating income | $-469,000 | 6,727 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-37,000 | 7,040 |
| Income before extraordinary items | $-432,000 | 6,809 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-432,000 | 6,811 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-432,000 | 6,810 |
| Net charge-offs | $393,000 | 2,725 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-432,000 | 6,764 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,366,000 | 4,760 |
| Total interest expense | $414,000 | 4,384 |
| Net interest income | $952,000 | 4,814 |
| Provision for loan and lease losses | $377,000 | 2,126 |
| Total noninterest income | $202,000 | 3,620 |
| Gross Fiduciary activities income | $3,000 | 1,105 |
| Service charges on deposit accounts | $50,000 | 4,477 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $149,000 | 2,846 |
| Total noninterest expense | $899,000 | 4,590 |
| Salaries and employee benefits | $431,000 | 4,780 |
| Premises and equipment expense | $67,000 | 5,829 |
| Additional noninterest expense | $401,000 | 3,791 |
| Pre-tax net operating income | $-122,000 | 6,703 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-19,000 | 7,184 |
| Income before extraordinary items | $-103,000 | 6,761 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-103,000 | 6,762 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-103,000 | 6,761 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-103,000 | 6,703 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,967,000 | 4,639 |
| Total interest expense | $2,126,000 | 4,282 |
| Net interest income | $3,841,000 | 4,686 |
| Provision for loan and lease losses | $1,202,000 | 3,207 |
| Total noninterest income | $820,000 | 3,716 |
| Gross Fiduciary activities income | $15,000 | 1,124 |
| Service charges on deposit accounts | $207,000 | 4,598 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $598,000 | 2,909 |
| Total noninterest expense | $3,156,000 | 5,029 |
| Salaries and employee benefits | $1,612,000 | 4,983 |
| Premises and equipment expense | $238,000 | 6,177 |
| Additional noninterest expense | $1,306,000 | 4,493 |
| Pre-tax net operating income | $303,000 | 4,496 |
| Securities gains (losses) | $73,000 | 2,378 |
| Applicable income taxes | $22,000 | 3,625 |
| Income before extraordinary items | $354,000 | 4,307 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $354,000 | 4,308 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $354,000 | 4,308 |
| Net charge-offs | $1,082,000 | 2,772 |
| Cash dividends | $750,000 | 2,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $285,380 | 4,451 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,547,000 | 4,638 |
| Total interest expense | $1,689,000 | 4,281 |
| Net interest income | $2,858,000 | 4,724 |
| Provision for loan and lease losses | $663,000 | 3,371 |
| Total noninterest income | $747,000 | 3,409 |
| Gross Fiduciary activities income | $9,000 | 1,132 |
| Service charges on deposit accounts | $160,000 | 4,549 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $578,000 | 2,573 |
| Total noninterest expense | $2,659,000 | 4,685 |
| Salaries and employee benefits | $1,186,000 | 5,076 |
| Premises and equipment expense | $199,000 | 5,972 |
| Additional noninterest expense | $1,274,000 | 3,713 |
| Pre-tax net operating income | $283,000 | 4,590 |
| Securities gains (losses) | $73,000 | 2,045 |
| Applicable income taxes | $29,000 | 3,621 |
| Income before extraordinary items | $327,000 | 4,315 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $327,000 | 4,311 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $327,000 | 4,314 |
| Net charge-offs | $641,000 | 2,726 |
| Cash dividends | $650,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $259,840 | 4,524 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 4,613 |
| Total interest expense | $1,180,000 | 4,296 |
| Net interest income | $1,931,000 | 4,689 |
| Provision for loan and lease losses | $983,000 | 2,092 |
| Total noninterest income | $447,000 | 3,638 |
| Gross Fiduciary activities income | $5,000 | 1,161 |
| Service charges on deposit accounts | $108,000 | 4,500 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $334,000 | 2,816 |
| Total noninterest expense | $1,588,000 | 5,080 |
| Salaries and employee benefits | $791,000 | 5,132 |
| Premises and equipment expense | $133,000 | 6,012 |
| Additional noninterest expense | $664,000 | 4,412 |
| Pre-tax net operating income | $-193,000 | 6,259 |
| Securities gains (losses) | $73,000 | 1,678 |
| Applicable income taxes | $-4,000 | 6,741 |
| Income before extraordinary items | $-116,000 | 6,222 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-116,000 | 6,221 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-116,000 | 6,221 |
| Net charge-offs | $737,000 | 1,931 |
| Cash dividends | $451,000 | 1,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-186,810 | 6,341 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,580,000 | 4,603 |
| Total interest expense | $590,000 | 4,394 |
| Net interest income | $990,000 | 4,611 |
| Provision for loan and lease losses | $968,000 | 1,218 |
| Total noninterest income | $204,000 | 3,768 |
| Gross Fiduciary activities income | $3,000 | 1,122 |
| Service charges on deposit accounts | $52,000 | 4,522 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $149,000 | 2,970 |
| Total noninterest expense | $778,000 | 5,050 |
| Salaries and employee benefits | $435,000 | 4,893 |
| Premises and equipment expense | $67,000 | 6,044 |
| Additional noninterest expense | $276,000 | 4,667 |
| Pre-tax net operating income | $-552,000 | 7,377 |
| Securities gains (losses) | $73,000 | 1,132 |
| Applicable income taxes | $-21,000 | 7,277 |
| Income before extraordinary items | $-458,000 | 7,400 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-458,000 | 7,401 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-458,000 | 7,401 |
| Net charge-offs | $309,000 | 1,744 |
| Cash dividends | $100,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-528,080 | 7,446 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 4,653 |
| Total interest expense | $2,910,000 | 4,343 |
| Net interest income | $3,715,000 | 4,809 |
| Provision for loan and lease losses | $119,000 | 5,869 |
| Total noninterest income | $1,041,000 | 3,323 |
| Gross Fiduciary activities income | $14,000 | 1,164 |
| Service charges on deposit accounts | $267,000 | 4,223 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $760,000 | 2,509 |
| Total noninterest expense | $3,037,000 | 5,080 |
| Salaries and employee benefits | $1,817,000 | 4,754 |
| Premises and equipment expense | $248,000 | 6,264 |
| Additional noninterest expense | $972,000 | 4,906 |
| Pre-tax net operating income | $1,600,000 | 2,904 |
| Securities gains (losses) | $88,000 | 1,226 |
| Applicable income taxes | $74,000 | 3,616 |
| Income before extraordinary items | $1,614,000 | 2,389 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,614,000 | 2,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 4,833 |
| Cash dividends | $550,000 | 3,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,529,520 | 2,623 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,008,000 | 4,699 |
| Total interest expense | $2,299,000 | 4,310 |
| Net interest income | $2,709,000 | 4,923 |
| Provision for loan and lease losses | $19,000 | 6,545 |
| Total noninterest income | $727,000 | 3,561 |
| Gross Fiduciary activities income | $7,000 | 1,205 |
| Service charges on deposit accounts | $204,000 | 4,212 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $516,000 | 2,758 |
| Total noninterest expense | $2,248,000 | 5,103 |
| Salaries and employee benefits | $1,324,000 | 4,856 |
| Premises and equipment expense | $188,000 | 6,254 |
| Additional noninterest expense | $736,000 | 4,809 |
| Pre-tax net operating income | $1,169,000 | 3,372 |
| Securities gains (losses) | $88,000 | 1,055 |
| Applicable income taxes | $57,000 | 4,024 |
| Income before extraordinary items | $1,200,000 | 2,755 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,200,000 | 2,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,455 |
| Cash dividends | $450,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,116,400 | 3,029 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 4,694 |
| Total interest expense | $1,625,000 | 4,286 |
| Net interest income | $1,803,000 | 4,937 |
| Provision for loan and lease losses | $19,000 | 6,013 |
| Total noninterest income | $412,000 | 3,955 |
| Gross Fiduciary activities income | $5,000 | 1,218 |
| Service charges on deposit accounts | $133,000 | 4,277 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $274,000 | 3,178 |
| Total noninterest expense | $1,433,000 | 5,270 |
| Salaries and employee benefits | $850,000 | 5,029 |
| Premises and equipment expense | $122,000 | 6,352 |
| Additional noninterest expense | $461,000 | 4,986 |
| Pre-tax net operating income | $763,000 | 3,535 |
| Securities gains (losses) | $88,000 | 1,071 |
| Applicable income taxes | $40,000 | 4,234 |
| Income before extraordinary items | $811,000 | 3,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $811,000 | 3,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,505 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $727,400 | 3,191 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,647 |
| Total interest expense | $870,000 | 4,281 |
| Net interest income | $924,000 | 4,875 |
| Provision for loan and lease losses | $19,000 | 4,956 |
| Total noninterest income | $194,000 | 4,063 |
| Gross Fiduciary activities income | $2,000 | 1,203 |
| Service charges on deposit accounts | $67,000 | 4,239 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $125,000 | 3,374 |
| Total noninterest expense | $719,000 | 5,277 |
| Salaries and employee benefits | $445,000 | 4,919 |
| Premises and equipment expense | $63,000 | 6,324 |
| Additional noninterest expense | $211,000 | 5,213 |
| Pre-tax net operating income | $380,000 | 3,651 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $19,000 | 4,403 |
| Income before extraordinary items | $361,000 | 3,422 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $361,000 | 3,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $361,000 | 3,322 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,855,000 | 4,792 |
| Total interest expense | $3,645,000 | 4,243 |
| Net interest income | $3,210,000 | 5,316 |
| Provision for loan and lease losses | $78,000 | 5,222 |
| Total noninterest income | $883,000 | 3,799 |
| Gross Fiduciary activities income | $12,000 | 1,233 |
| Service charges on deposit accounts | $290,000 | 4,146 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $581,000 | 3,058 |
| Total noninterest expense | $2,685,000 | 5,372 |
| Salaries and employee benefits | $1,572,000 | 5,156 |
| Premises and equipment expense | $254,000 | 6,213 |
| Additional noninterest expense | $859,000 | 5,112 |
| Pre-tax net operating income | $1,330,000 | 4,133 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $678,000 | 2,341 |
| Income before extraordinary items | $652,000 | 5,198 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $652,000 | 5,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-385,000 | 8,486 |
| Cash dividends | $681,000 | 3,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $652,000 | 5,179 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,030,000 | 4,879 |
| Total interest expense | $2,725,000 | 4,260 |
| Net interest income | $2,305,000 | 5,467 |
| Provision for loan and lease losses | $58,000 | 4,907 |
| Total noninterest income | $636,000 | 3,899 |
| Gross Fiduciary activities income | $8,000 | 1,213 |
| Service charges on deposit accounts | $220,000 | 4,130 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $408,000 | 3,170 |
| Total noninterest expense | $1,934,000 | 5,476 |
| Salaries and employee benefits | $1,088,000 | 5,384 |
| Premises and equipment expense | $180,000 | 6,334 |
| Additional noninterest expense | $666,000 | 4,938 |
| Pre-tax net operating income | $949,000 | 4,472 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $668,000 | 2,147 |
| Income before extraordinary items | $281,000 | 6,410 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $281,000 | 6,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $351,000 | 3,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $281,000 | 6,401 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,358,000 | 4,889 |
| Total interest expense | $1,825,000 | 4,250 |
| Net interest income | $1,533,000 | 5,508 |
| Provision for loan and lease losses | $39,000 | 4,684 |
| Total noninterest income | $400,000 | 4,037 |
| Gross Fiduciary activities income | $6,000 | 1,205 |
| Service charges on deposit accounts | $149,000 | 4,099 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $245,000 | 3,390 |
| Total noninterest expense | $1,276,000 | 5,535 |
| Salaries and employee benefits | $703,000 | 5,536 |
| Premises and equipment expense | $122,000 | 6,326 |
| Additional noninterest expense | $451,000 | 4,914 |
| Pre-tax net operating income | $618,000 | 4,577 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $654,000 | 1,737 |
| Income before extraordinary items | $-36,000 | 7,886 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-36,000 | 7,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $171,000 | 3,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-36,000 | 7,876 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 4,936 |
| Total interest expense | $904,000 | 4,255 |
| Net interest income | $751,000 | 5,585 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $197,000 | 4,058 |
| Gross Fiduciary activities income | $3,000 | 1,184 |
| Service charges on deposit accounts | $64,000 | 4,392 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $130,000 | 3,266 |
| Total noninterest expense | $656,000 | 5,476 |
| Salaries and employee benefits | $386,000 | 5,283 |
| Premises and equipment expense | $62,000 | 6,319 |
| Additional noninterest expense | $208,000 | 5,141 |
| Pre-tax net operating income | $272,000 | 4,878 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $640,000 | 1,053 |
| Income before extraordinary items | $-368,000 | 8,479 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-368,000 | 8,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-368,000 | 8,471 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,294,000 | 4,857 |
| Total interest expense | $3,214,000 | 4,135 |
| Net interest income | $3,080,000 | 5,448 |
| Provision for loan and lease losses | $799,000 | 1,282 |
| Total noninterest income | $753,000 | 4,199 |
| Gross Fiduciary activities income | $13,000 | 1,243 |
| Service charges on deposit accounts | $254,000 | 4,460 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $486,000 | 3,383 |
| Total noninterest expense | $2,229,000 | 5,835 |
| Salaries and employee benefits | $1,192,000 | 5,940 |
| Premises and equipment expense | $230,000 | 6,413 |
| Additional noninterest expense | $807,000 | 5,198 |
| Pre-tax net operating income | $805,000 | 5,640 |
| Securities gains (losses) | $12,000 | 1,037 |
| Applicable income taxes | $119,000 | 4,827 |
| Income before extraordinary items | $698,000 | 5,522 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $698,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,020,000 | 671 |
| Cash dividends | $735,000 | 3,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $687,800 | 5,539 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,653,000 | 4,887 |
| Total interest expense | $2,310,000 | 4,161 |
| Net interest income | $2,343,000 | 5,449 |
| Provision for loan and lease losses | $69,000 | 4,691 |
| Total noninterest income | $568,000 | 4,195 |
| Gross Fiduciary activities income | $9,000 | 1,220 |
| Service charges on deposit accounts | $192,000 | 4,481 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $367,000 | 3,355 |
| Total noninterest expense | $1,843,000 | 5,517 |
| Salaries and employee benefits | $1,010,000 | 5,524 |
| Premises and equipment expense | $168,000 | 6,497 |
| Additional noninterest expense | $665,000 | 4,888 |
| Pre-tax net operating income | $999,000 | 4,713 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $250,000 | 3,844 |
| Income before extraordinary items | $749,000 | 4,860 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $749,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,946 |
| Cash dividends | $492,000 | 2,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $749,000 | 4,849 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,053,000 | 4,887 |
| Total interest expense | $1,455,000 | 4,196 |
| Net interest income | $1,598,000 | 5,402 |
| Provision for loan and lease losses | $39,000 | 4,785 |
| Total noninterest income | $338,000 | 4,438 |
| Gross Fiduciary activities income | $5,000 | 1,257 |
| Service charges on deposit accounts | $131,000 | 4,411 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $202,000 | 3,725 |
| Total noninterest expense | $1,211,000 | 5,582 |
| Salaries and employee benefits | $651,000 | 5,651 |
| Premises and equipment expense | $111,000 | 6,530 |
| Additional noninterest expense | $449,000 | 4,829 |
| Pre-tax net operating income | $686,000 | 4,678 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $173,000 | 3,800 |
| Income before extraordinary items | $513,000 | 4,816 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $513,000 | 4,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,112 |
| Cash dividends | $249,000 | 3,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $513,000 | 4,804 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 4,966 |
| Total interest expense | $695,000 | 4,193 |
| Net interest income | $769,000 | 5,525 |
| Provision for loan and lease losses | $19,000 | 4,620 |
| Total noninterest income | $173,000 | 4,302 |
| Gross Fiduciary activities income | $2,000 | 1,247 |
| Service charges on deposit accounts | $66,000 | 4,344 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $105,000 | 3,627 |
| Total noninterest expense | $633,000 | 5,445 |
| Salaries and employee benefits | $357,000 | 5,379 |
| Premises and equipment expense | $56,000 | 6,526 |
| Additional noninterest expense | $220,000 | 4,877 |
| Pre-tax net operating income | $290,000 | 5,049 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $66,000 | 4,128 |
| Income before extraordinary items | $224,000 | 5,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $224,000 | 5,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $224,000 | 5,080 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,633,000 | 4,783 |
| Total interest expense | $2,445,000 | 3,881 |
| Net interest income | $3,188,000 | 5,309 |
| Provision for loan and lease losses | $108,000 | 4,712 |
| Total noninterest income | $703,000 | 4,366 |
| Gross Fiduciary activities income | $12,000 | 1,271 |
| Service charges on deposit accounts | $261,000 | 4,488 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $430,000 | 3,654 |
| Total noninterest expense | $2,424,000 | 5,470 |
| Salaries and employee benefits | $1,313,000 | 5,494 |
| Premises and equipment expense | $224,000 | 6,481 |
| Additional noninterest expense | $887,000 | 4,828 |
| Pre-tax net operating income | $1,359,000 | 4,624 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $338,000 | 3,954 |
| Income before extraordinary items | $1,023,000 | 4,782 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,023,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,021,500 | 4,761 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,155,000 | 4,795 |
| Total interest expense | $1,764,000 | 3,861 |
| Net interest income | $2,391,000 | 5,318 |
| Provision for loan and lease losses | $59,000 | 5,005 |
| Total noninterest income | $524,000 | 4,410 |
| Gross Fiduciary activities income | $8,000 | 1,254 |
| Service charges on deposit accounts | $189,000 | 4,590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $327,000 | 3,649 |
| Total noninterest expense | $1,830,000 | 5,425 |
| Salaries and employee benefits | $1,033,000 | 5,320 |
| Premises and equipment expense | $180,000 | 6,291 |
| Additional noninterest expense | $617,000 | 5,029 |
| Pre-tax net operating income | $1,026,000 | 4,699 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $264,000 | 4,002 |
| Income before extraordinary items | $764,000 | 4,876 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $764,000 | 4,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $762,520 | 4,843 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 4,783 |
| Total interest expense | $1,125,000 | 3,803 |
| Net interest income | $1,624,000 | 5,254 |
| Provision for loan and lease losses | $39,000 | 4,905 |
| Total noninterest income | $318,000 | 4,643 |
| Gross Fiduciary activities income | $5,000 | 1,265 |
| Service charges on deposit accounts | $122,000 | 4,619 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $191,000 | 3,839 |
| Total noninterest expense | $1,201,000 | 5,472 |
| Salaries and employee benefits | $673,000 | 5,369 |
| Premises and equipment expense | $121,000 | 6,259 |
| Additional noninterest expense | $407,000 | 5,033 |
| Pre-tax net operating income | $702,000 | 4,610 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $188,000 | 3,886 |
| Income before extraordinary items | $516,000 | 4,823 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $516,000 | 4,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $514,540 | 4,778 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 4,798 |
| Total interest expense | $538,000 | 3,822 |
| Net interest income | $818,000 | 5,269 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $151,000 | 4,696 |
| Gross Fiduciary activities income | $2,000 | 1,263 |
| Service charges on deposit accounts | $53,000 | 4,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,813 |
| Total noninterest expense | $608,000 | 5,470 |
| Salaries and employee benefits | $349,000 | 5,296 |
| Premises and equipment expense | $62,000 | 6,259 |
| Additional noninterest expense | $197,000 | 5,135 |
| Pre-tax net operating income | $341,000 | 4,659 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $95,000 | 3,849 |
| Income before extraordinary items | $246,000 | 4,914 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $246,000 | 4,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $246,000 | 4,868 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,751,000 | 5,020 |
| Total interest expense | $1,893,000 | 3,813 |
| Net interest income | $2,858,000 | 5,560 |
| Provision for loan and lease losses | $95,000 | 5,096 |
| Total noninterest income | $704,000 | 4,375 |
| Gross Fiduciary activities income | $10,000 | 1,316 |
| Service charges on deposit accounts | $251,000 | 4,739 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $443,000 | 3,535 |
| Total noninterest expense | $2,203,000 | 5,694 |
| Salaries and employee benefits | $1,152,000 | 5,822 |
| Premises and equipment expense | $179,000 | 6,989 |
| Additional noninterest expense | $872,000 | 4,807 |
| Pre-tax net operating income | $1,264,000 | 4,667 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $327,000 | 4,051 |
| Income before extraordinary items | $935,000 | 4,869 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $935,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,612 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $936,480 | 4,798 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,463,000 | 5,096 |
| Total interest expense | $1,377,000 | 3,858 |
| Net interest income | $2,086,000 | 5,654 |
| Provision for loan and lease losses | $79,000 | 4,750 |
| Total noninterest income | $541,000 | 4,331 |
| Gross Fiduciary activities income | $8,000 | 1,279 |
| Service charges on deposit accounts | $193,000 | 4,720 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $340,000 | 3,489 |
| Total noninterest expense | $1,635,000 | 5,694 |
| Salaries and employee benefits | $892,000 | 5,681 |
| Premises and equipment expense | $134,000 | 6,969 |
| Additional noninterest expense | $609,000 | 5,003 |
| Pre-tax net operating income | $913,000 | 4,841 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $256,000 | 4,041 |
| Income before extraordinary items | $655,000 | 5,134 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $655,000 | 5,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,054 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $656,440 | 5,039 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,256,000 | 5,166 |
| Total interest expense | $887,000 | 3,972 |
| Net interest income | $1,369,000 | 5,700 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $303,000 | 4,796 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $125,000 | 4,771 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $173,000 | 4,032 |
| Total noninterest expense | $1,026,000 | 5,920 |
| Salaries and employee benefits | $563,000 | 5,890 |
| Premises and equipment expense | $88,000 | 7,035 |
| Additional noninterest expense | $375,000 | 5,284 |
| Pre-tax net operating income | $596,000 | 4,852 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $164,000 | 4,105 |
| Income before extraordinary items | $430,000 | 5,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $430,000 | 5,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $431,440 | 5,027 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 5,214 |
| Total interest expense | $433,000 | 4,083 |
| Net interest income | $683,000 | 5,720 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $149,000 | 4,795 |
| Gross Fiduciary activities income | $2,000 | 1,290 |
| Service charges on deposit accounts | $57,000 | 4,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $90,000 | 3,932 |
| Total noninterest expense | $524,000 | 5,897 |
| Salaries and employee benefits | $291,000 | 5,818 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $186,000 | 5,320 |
| Pre-tax net operating income | $288,000 | 4,902 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $79,000 | 4,163 |
| Income before extraordinary items | $212,000 | 5,184 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $212,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $209,810 | 5,104 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,257,000 | 5,421 |
| Total interest expense | $1,890,000 | 4,198 |
| Net interest income | $2,367,000 | 6,073 |
| Provision for loan and lease losses | $118,000 | 5,079 |
| Total noninterest income | $709,000 | 4,523 |
| Gross Fiduciary activities income | $30,000 | 1,177 |
| Service charges on deposit accounts | $174,000 | 5,561 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $505,000 | 3,574 |
| Total noninterest expense | $1,940,000 | 6,088 |
| Salaries and employee benefits | $1,032,000 | 6,156 |
| Premises and equipment expense | $158,000 | 7,289 |
| Additional noninterest expense | $750,000 | 5,267 |
| Pre-tax net operating income | $1,018,000 | 5,124 |
| Securities gains (losses) | $10,000 | 3,613 |
| Applicable income taxes | $223,000 | 4,760 |
| Income before extraordinary items | $805,000 | 5,225 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $805,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,709 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $797,200 | 5,086 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,184,000 | 5,493 |
| Total interest expense | $1,441,000 | 4,262 |
| Net interest income | $1,743,000 | 6,168 |
| Provision for loan and lease losses | $59,000 | 5,561 |
| Total noninterest income | $548,000 | 4,473 |
| Gross Fiduciary activities income | $29,000 | 1,117 |
| Service charges on deposit accounts | $120,000 | 5,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $399,000 | 3,535 |
| Total noninterest expense | $1,409,000 | 6,155 |
| Salaries and employee benefits | $765,000 | 6,159 |
| Premises and equipment expense | $121,000 | 7,260 |
| Additional noninterest expense | $523,000 | 5,494 |
| Pre-tax net operating income | $823,000 | 5,052 |
| Securities gains (losses) | $10,000 | 3,326 |
| Applicable income taxes | $175,000 | 4,866 |
| Income before extraordinary items | $658,000 | 5,151 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $658,000 | 5,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,953 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $650,100 | 4,997 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,130,000 | 5,528 |
| Total interest expense | $985,000 | 4,290 |
| Net interest income | $1,145,000 | 6,215 |
| Provision for loan and lease losses | $39,000 | 5,514 |
| Total noninterest income | $304,000 | 4,955 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $72,000 | 5,973 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $231,000 | 3,762 |
| Total noninterest expense | $968,000 | 6,081 |
| Salaries and employee benefits | $518,000 | 6,131 |
| Premises and equipment expense | $96,000 | 6,867 |
| Additional noninterest expense | $354,000 | 5,439 |
| Pre-tax net operating income | $442,000 | 5,626 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $65,000 | 5,639 |
| Income before extraordinary items | $377,000 | 5,567 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $377,000 | 5,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $377,000 | 5,355 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,081,000 | 5,507 |
| Total interest expense | $501,000 | 4,341 |
| Net interest income | $580,000 | 6,161 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $122,000 | 3,572 |
| Total noninterest expense | $483,000 | 6,113 |
| Salaries and employee benefits | $252,000 | 6,217 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $174,000 | 5,473 |
| Pre-tax net operating income | $234,000 | 5,451 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $45,000 | 5,243 |
| Income before extraordinary items | $189,000 | 5,459 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $189,000 | 5,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $189,000 | 5,266 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,546,000 | 5,496 |
| Total interest expense | $2,258,000 | 4,439 |
| Net interest income | $2,288,000 | 6,197 |
| Provision for loan and lease losses | $353,000 | 3,117 |
| Total noninterest income | $861,000 | 3,818 |
| Gross Fiduciary activities income | $6,000 | 1,474 |
| Service charges on deposit accounts | $143,000 | 5,918 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $712,000 | 2,676 |
| Total noninterest expense | $1,886,000 | 6,083 |
| Salaries and employee benefits | $971,000 | 6,251 |
| Premises and equipment expense | $164,000 | 7,257 |
| Additional noninterest expense | $751,000 | 5,154 |
| Pre-tax net operating income | $910,000 | 5,448 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $148,000 | 5,541 |
| Income before extraordinary items | $762,000 | 5,332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $762,000 | 5,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $762,000 | 5,193 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,843,000 | 5,732 |
| Total interest expense | $2,881,000 | 4,879 |
| Net interest income | $1,962,000 | 6,489 |
| Provision for loan and lease losses | $608,000 | 1,878 |
| Total noninterest income | $1,006,000 | 3,326 |
| Gross Fiduciary activities income | $29,000 | 1,240 |
| Service charges on deposit accounts | $142,000 | 5,910 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $835,000 | 2,322 |
| Total noninterest expense | $1,868,000 | 5,994 |
| Salaries and employee benefits | $897,000 | 6,384 |
| Premises and equipment expense | $161,000 | 7,347 |
| Additional noninterest expense | $810,000 | 4,739 |
| Pre-tax net operating income | $492,000 | 6,578 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $32,000 | 7,036 |
| Income before extraordinary items | $460,000 | 6,253 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $460,000 | 6,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $563,000 | 1,428 |
| Cash dividends | $423,000 | 3,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $460,000 | 6,137 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,936,000 | 5,783 |
| Total interest expense | $2,839,000 | 5,129 |
| Net interest income | $2,097,000 | 6,429 |
| Provision for loan and lease losses | $204,000 | 3,703 |
| Total noninterest income | $442,000 | 5,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,161 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $318,000 | 3,795 |
| Total noninterest expense | $1,466,000 | 6,831 |
| Salaries and employee benefits | $723,000 | 7,086 |
| Premises and equipment expense | $124,000 | 8,022 |
| Additional noninterest expense | $619,000 | 5,663 |
| Pre-tax net operating income | $869,000 | 5,645 |
| Securities gains (losses) | $-17,000 | 8,651 |
| Applicable income taxes | $177,000 | 5,644 |
| Income before extraordinary items | $675,000 | 5,508 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $675,000 | 5,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,734 |
| Cash dividends | $1,142,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $688,430 | 5,471 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,036,000 | 6,338 |
| Total interest expense | $2,034,000 | 5,945 |
| Net interest income | $2,002,000 | 6,642 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $425,000 | 5,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 5,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $277,000 | 4,197 |
| Total noninterest expense | $1,427,000 | 6,966 |
| Salaries and employee benefits | $865,000 | 6,474 |
| Premises and equipment expense | $109,000 | 8,449 |
| Additional noninterest expense | $453,000 | 6,880 |
| Pre-tax net operating income | $940,000 | 5,489 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $229,000 | 5,413 |
| Income before extraordinary items | $704,000 | 5,442 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $704,000 | 5,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $297,000 | 4,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $709,250 | 5,391 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,004,000 | 6,478 |
| Total interest expense | $2,056,000 | 6,094 |
| Net interest income | $1,948,000 | 6,766 |
| Provision for loan and lease losses | $48,000 | 6,686 |
| Total noninterest income | $367,000 | 5,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 5,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,731 |
| Total noninterest expense | $1,285,000 | 7,295 |
| Salaries and employee benefits | $742,000 | 6,966 |
| Premises and equipment expense | $118,000 | 8,318 |
| Additional noninterest expense | $425,000 | 7,015 |
| Pre-tax net operating income | $982,000 | 5,471 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $278,000 | 5,387 |
| Income before extraordinary items | $707,000 | 5,589 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $707,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $515,000 | 3,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $704,840 | 5,484 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,739,000 | 6,919 |
| Total interest expense | $1,910,000 | 6,446 |
| Net interest income | $1,829,000 | 7,255 |
| Provision for loan and lease losses | $168,000 | 3,892 |
| Total noninterest income | $396,000 | 5,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 6,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $245,000 | 4,421 |
| Total noninterest expense | $1,221,000 | 7,600 |
| Salaries and employee benefits | $695,000 | 7,340 |
| Premises and equipment expense | $118,000 | 8,544 |
| Additional noninterest expense | $408,000 | 7,278 |
| Pre-tax net operating income | $836,000 | 6,389 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $234,000 | 6,444 |
| Income before extraordinary items | $608,000 | 6,317 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $608,000 | 6,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,967 |
| Cash dividends | $247,000 | 4,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $603,680 | 6,295 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,442,000 | 7,464 |
| Total interest expense | $1,837,000 | 6,761 |
| Net interest income | $1,605,000 | 8,020 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $351,000 | 6,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,465 |
| Total noninterest expense | $1,129,000 | 8,233 |
| Salaries and employee benefits | $613,000 | 8,046 |
| Premises and equipment expense | $110,000 | 9,028 |
| Additional noninterest expense | $406,000 | 7,831 |
| Pre-tax net operating income | $827,000 | 6,390 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $212,000 | 6,957 |
| Income before extraordinary items | $616,000 | 6,177 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $616,000 | 6,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,548 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $615,260 | 6,118 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,098,000 | 8,064 |
| Total interest expense | $1,594,000 | 7,433 |
| Net interest income | $1,504,000 | 8,525 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $198,000 | 8,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,511 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,663 |
| Total noninterest expense | $1,075,000 | 8,673 |
| Salaries and employee benefits | $513,000 | 8,998 |
| Premises and equipment expense | $101,000 | 9,601 |
| Additional noninterest expense | $461,000 | 7,599 |
| Pre-tax net operating income | $613,000 | 7,808 |
| Securities gains (losses) | $-21,000 | 10,587 |
| Applicable income taxes | $151,000 | 8,236 |
| Income before extraordinary items | $441,000 | 7,715 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $441,000 | 7,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $121,000 | 6,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $456,540 | 7,558 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,447,000 | 9,000 |
| Total interest expense | $1,083,000 | 8,345 |
| Net interest income | $1,364,000 | 9,266 |
| Provision for loan and lease losses | $21,000 | 7,711 |
| Total noninterest income | $213,000 | 8,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 6,941 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $1,037,000 | 9,220 |
| Salaries and employee benefits | $503,000 | 9,364 |
| Premises and equipment expense | $106,000 | 9,833 |
| Additional noninterest expense | $428,000 | 8,551 |
| Pre-tax net operating income | $519,000 | 8,528 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $109,000 | 9,152 |
| Income before extraordinary items | $406,000 | 8,153 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $406,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,828 |
| Cash dividends | $95,000 | 7,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $409,160 | 8,162 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,406,000 | 9,378 |
| Total interest expense | $1,037,000 | 8,935 |
| Net interest income | $1,369,000 | 9,510 |
| Provision for loan and lease losses | $21,000 | 8,998 |
| Total noninterest income | $243,000 | 8,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 7,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,899 |
| Total noninterest expense | $1,058,000 | 9,491 |
| Salaries and employee benefits | $566,000 | 9,081 |
| Premises and equipment expense | $87,000 | 10,896 |
| Additional noninterest expense | $405,000 | 9,219 |
| Pre-tax net operating income | $533,000 | 8,424 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $123,000 | 9,238 |
| Income before extraordinary items | $428,000 | 8,156 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $428,000 | 8,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $66,000 | 7,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $413,960 | 8,020 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,680,000 | 9,573 |
| Total interest expense | $1,361,000 | 8,989 |
| Net interest income | $1,319,000 | 9,912 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $271,000 | 8,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,812 |
| Total noninterest expense | $899,000 | 10,486 |
| Salaries and employee benefits | $518,000 | 9,599 |
| Premises and equipment expense | $87,000 | 11,223 |
| Additional noninterest expense | $294,000 | 10,909 |
| Pre-tax net operating income | $666,000 | 7,294 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $187,000 | 7,817 |
| Income before extraordinary items | $478,000 | 7,519 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $478,000 | 7,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $478,720 | 7,136 |
* 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.