Home > American Bank of Texas > Income and Expense
American Bank of Texas, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $26,345,000 | 1,073 |
| Total interest expense | $2,667,000 | 2,160 |
| Net interest income | $23,678,000 | 926 |
| Provision for loan and lease losses | $3,475,000 | 1,060 |
| Total noninterest income | $5,953,000 | 906 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,844,000 | 792 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $4,109,000 | 820 |
| Total noninterest expense | $23,163,000 | 854 |
| Salaries and employee benefits | $10,632,000 | 920 |
| Premises and equipment expense | $4,221,000 | 602 |
| Additional noninterest expense | $8,310,000 | 859 |
| Pre-tax net operating income | $2,993,000 | 1,838 |
| Securities gains (losses) | $-2,000 | 6,752 |
| Applicable income taxes | $924,000 | 1,418 |
| Income before extraordinary items | $2,067,000 | 2,199 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,067,000 | 2,200 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,067,000 | 2,200 |
| Net charge-offs | $3,260,000 | 1,131 |
| Cash dividends | $785,000 | 1,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $2,068,380 | 2,128 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $19,893,000 | 1,083 |
| Total interest expense | $2,054,000 | 2,196 |
| Net interest income | $17,839,000 | 923 |
| Provision for loan and lease losses | $1,675,000 | 1,405 |
| Total noninterest income | $4,874,000 | 856 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,360,000 | 817 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $3,514,000 | 742 |
| Total noninterest expense | $17,351,000 | 847 |
| Salaries and employee benefits | $7,608,000 | 968 |
| Premises and equipment expense | $3,224,000 | 590 |
| Additional noninterest expense | $6,519,000 | 820 |
| Pre-tax net operating income | $3,687,000 | 1,248 |
| Securities gains (losses) | $-1,000 | 6,834 |
| Applicable income taxes | $1,180,000 | 956 |
| Income before extraordinary items | $2,506,000 | 1,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,506,000 | 1,517 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,506,000 | 1,517 |
| Net charge-offs | $1,434,000 | 1,541 |
| Cash dividends | $565,000 | 1,678 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,506,680 | 1,437 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $13,483,000 | 1,064 |
| Total interest expense | $1,417,000 | 2,212 |
| Net interest income | $12,066,000 | 921 |
| Provision for loan and lease losses | $1,200,000 | 1,329 |
| Total noninterest income | $3,872,000 | 754 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $887,000 | 826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,985,000 | 622 |
| Total noninterest expense | $11,517,000 | 867 |
| Salaries and employee benefits | $5,182,000 | 954 |
| Premises and equipment expense | $2,153,000 | 603 |
| Additional noninterest expense | $4,182,000 | 868 |
| Pre-tax net operating income | $3,221,000 | 946 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,042,000 | 736 |
| Income before extraordinary items | $2,179,000 | 1,135 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,179,000 | 1,135 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,179,000 | 1,135 |
| Net charge-offs | $1,013,000 | 1,463 |
| Cash dividends | $330,000 | 1,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,179,000 | 1,095 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,815,000 | 1,063 |
| Total interest expense | $750,000 | 2,178 |
| Net interest income | $6,065,000 | 914 |
| Provision for loan and lease losses | $600,000 | 1,247 |
| Total noninterest income | $2,831,000 | 570 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $458,000 | 778 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,373,000 | 458 |
| Total noninterest expense | $5,930,000 | 844 |
| Salaries and employee benefits | $2,592,000 | 963 |
| Premises and equipment expense | $1,074,000 | 619 |
| Additional noninterest expense | $2,264,000 | 791 |
| Pre-tax net operating income | $2,366,000 | 675 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $775,000 | 542 |
| Income before extraordinary items | $1,591,000 | 792 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,591,000 | 791 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,591,000 | 792 |
| Net charge-offs | $793,000 | 997 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,591,000 | 779 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $30,544,000 | 999 |
| Total interest expense | $3,710,000 | 2,136 |
| Net interest income | $26,834,000 | 817 |
| Provision for loan and lease losses | $4,600,000 | 1,218 |
| Total noninterest income | $4,703,000 | 1,135 |
| Gross Fiduciary activities income | $321,000 | 657 |
| Service charges on deposit accounts | $1,982,000 | 763 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,400,000 | 1,235 |
| Total noninterest expense | $23,306,000 | 858 |
| Salaries and employee benefits | $11,523,000 | 855 |
| Premises and equipment expense | $4,424,000 | 580 |
| Additional noninterest expense | $7,359,000 | 1,003 |
| Pre-tax net operating income | $3,631,000 | 1,373 |
| Securities gains (losses) | $-1,000 | 6,878 |
| Applicable income taxes | $1,041,000 | 1,182 |
| Income before extraordinary items | $2,589,000 | 1,592 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,589,000 | 1,592 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,589,000 | 1,594 |
| Net charge-offs | $4,359,000 | 1,136 |
| Cash dividends | $711,000 | 1,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,589,710 | 1,540 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $23,146,000 | 1,009 |
| Total interest expense | $2,883,000 | 2,159 |
| Net interest income | $20,263,000 | 814 |
| Provision for loan and lease losses | $4,000,000 | 1,041 |
| Total noninterest income | $3,594,000 | 1,105 |
| Gross Fiduciary activities income | $208,000 | 678 |
| Service charges on deposit accounts | $1,480,000 | 784 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,906,000 | 1,141 |
| Total noninterest expense | $16,817,000 | 883 |
| Salaries and employee benefits | $8,092,000 | 901 |
| Premises and equipment expense | $3,271,000 | 585 |
| Additional noninterest expense | $5,454,000 | 992 |
| Pre-tax net operating income | $3,040,000 | 1,309 |
| Securities gains (losses) | $-1,000 | 7,074 |
| Applicable income taxes | $861,000 | 1,132 |
| Income before extraordinary items | $2,178,000 | 1,531 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,178,000 | 1,534 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,178,000 | 1,534 |
| Net charge-offs | $3,926,000 | 924 |
| Cash dividends | $545,000 | 1,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $2,178,720 | 1,463 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $15,699,000 | 1,000 |
| Total interest expense | $1,998,000 | 2,158 |
| Net interest income | $13,701,000 | 806 |
| Provision for loan and lease losses | $3,400,000 | 858 |
| Total noninterest income | $2,386,000 | 1,080 |
| Gross Fiduciary activities income | $125,000 | 701 |
| Service charges on deposit accounts | $999,000 | 769 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,262,000 | 1,106 |
| Total noninterest expense | $11,110,000 | 893 |
| Salaries and employee benefits | $5,411,000 | 902 |
| Premises and equipment expense | $2,145,000 | 606 |
| Additional noninterest expense | $3,554,000 | 999 |
| Pre-tax net operating income | $1,577,000 | 1,652 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $391,000 | 1,470 |
| Income before extraordinary items | $1,186,000 | 1,831 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,186,000 | 1,830 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,186,000 | 1,831 |
| Net charge-offs | $1,799,000 | 1,222 |
| Cash dividends | $330,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,186,000 | 1,747 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,928,000 | 1,012 |
| Total interest expense | $1,070,000 | 2,125 |
| Net interest income | $6,858,000 | 801 |
| Provision for loan and lease losses | $2,500,000 | 628 |
| Total noninterest income | $1,314,000 | 973 |
| Gross Fiduciary activities income | $62,000 | 714 |
| Service charges on deposit accounts | $527,000 | 732 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $725,000 | 992 |
| Total noninterest expense | $5,367,000 | 930 |
| Salaries and employee benefits | $2,722,000 | 903 |
| Premises and equipment expense | $1,076,000 | 619 |
| Additional noninterest expense | $1,569,000 | 1,117 |
| Pre-tax net operating income | $305,000 | 3,321 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $302,000 | 3,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $302,000 | 3,106 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $302,000 | 3,109 |
| Net charge-offs | $194,000 | 2,466 |
| Cash dividends | $165,000 | 1,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $302,000 | 2,999 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $34,006,000 | 998 |
| Total interest expense | $6,525,000 | 1,785 |
| Net interest income | $27,481,000 | 785 |
| Provision for loan and lease losses | $2,500,000 | 2,183 |
| Total noninterest income | $4,514,000 | 1,192 |
| Gross Fiduciary activities income | $260,000 | 696 |
| Service charges on deposit accounts | $2,243,000 | 757 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,011,000 | 1,366 |
| Total noninterest expense | $23,646,000 | 886 |
| Salaries and employee benefits | $12,316,000 | 797 |
| Premises and equipment expense | $4,247,000 | 623 |
| Additional noninterest expense | $7,083,000 | 1,099 |
| Pre-tax net operating income | $5,849,000 | 730 |
| Securities gains (losses) | $-2,000 | 6,893 |
| Applicable income taxes | $1,847,000 | 602 |
| Income before extraordinary items | $4,000,000 | 863 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,000,000 | 861 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $4,000,000 | 862 |
| Net charge-offs | $1,717,000 | 2,221 |
| Cash dividends | $726,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $4,001,360 | 861 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $25,473,000 | 1,015 |
| Total interest expense | $5,151,000 | 1,784 |
| Net interest income | $20,322,000 | 796 |
| Provision for loan and lease losses | $2,150,000 | 1,819 |
| Total noninterest income | $3,414,000 | 1,195 |
| Gross Fiduciary activities income | $199,000 | 691 |
| Service charges on deposit accounts | $1,676,000 | 750 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,539,000 | 1,366 |
| Total noninterest expense | $17,673,000 | 874 |
| Salaries and employee benefits | $9,153,000 | 809 |
| Premises and equipment expense | $3,169,000 | 643 |
| Additional noninterest expense | $5,351,000 | 1,054 |
| Pre-tax net operating income | $3,913,000 | 864 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $1,218,000 | 725 |
| Income before extraordinary items | $2,695,000 | 1,002 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,695,000 | 1,001 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,695,000 | 1,002 |
| Net charge-offs | $900,000 | 2,314 |
| Cash dividends | $445,000 | 2,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,695,000 | 989 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $16,756,000 | 1,058 |
| Total interest expense | $3,490,000 | 1,847 |
| Net interest income | $13,266,000 | 816 |
| Provision for loan and lease losses | $450,000 | 3,101 |
| Total noninterest income | $2,282,000 | 1,206 |
| Gross Fiduciary activities income | $124,000 | 716 |
| Service charges on deposit accounts | $1,099,000 | 754 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,059,000 | 1,374 |
| Total noninterest expense | $11,859,000 | 889 |
| Salaries and employee benefits | $6,113,000 | 829 |
| Premises and equipment expense | $2,119,000 | 659 |
| Additional noninterest expense | $3,627,000 | 1,057 |
| Pre-tax net operating income | $3,239,000 | 712 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,029,000 | 597 |
| Income before extraordinary items | $2,210,000 | 854 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,210,000 | 854 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,210,000 | 854 |
| Net charge-offs | $382,000 | 2,665 |
| Cash dividends | $445,000 | 1,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,210,000 | 823 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $8,391,000 | 1,055 |
| Total interest expense | $1,776,000 | 1,869 |
| Net interest income | $6,615,000 | 816 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $1,132,000 | 1,159 |
| Gross Fiduciary activities income | $63,000 | 722 |
| Service charges on deposit accounts | $544,000 | 737 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $525,000 | 1,351 |
| Total noninterest expense | $5,719,000 | 882 |
| Salaries and employee benefits | $3,079,000 | 824 |
| Premises and equipment expense | $1,058,000 | 675 |
| Additional noninterest expense | $1,582,000 | 1,065 |
| Pre-tax net operating income | $1,878,000 | 655 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $613,000 | 536 |
| Income before extraordinary items | $1,265,000 | 828 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,265,000 | 829 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,265,000 | 830 |
| Net charge-offs | $172,000 | 2,282 |
| Cash dividends | $265,000 | 1,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,265,000 | 768 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $36,474,000 | 1,037 |
| Total interest expense | $9,565,000 | 1,698 |
| Net interest income | $26,909,000 | 800 |
| Provision for loan and lease losses | $300,000 | 4,610 |
| Total noninterest income | $4,480,000 | 1,165 |
| Gross Fiduciary activities income | $347,000 | 645 |
| Service charges on deposit accounts | $2,355,000 | 733 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,778,000 | 1,414 |
| Total noninterest expense | $24,280,000 | 816 |
| Salaries and employee benefits | $13,341,000 | 748 |
| Premises and equipment expense | $4,820,000 | 566 |
| Additional noninterest expense | $6,119,000 | 1,056 |
| Pre-tax net operating income | $6,809,000 | 811 |
| Securities gains (losses) | $560,000 | 341 |
| Applicable income taxes | $2,327,000 | 591 |
| Income before extraordinary items | $5,042,000 | 803 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,042,000 | 803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,925 |
| Cash dividends | $1,791,000 | 1,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,661,200 | 942 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $27,623,000 | 1,053 |
| Total interest expense | $7,550,000 | 1,670 |
| Net interest income | $20,073,000 | 816 |
| Provision for loan and lease losses | $225,000 | 4,003 |
| Total noninterest income | $3,346,000 | 1,207 |
| Gross Fiduciary activities income | $248,000 | 661 |
| Service charges on deposit accounts | $1,736,000 | 763 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,362,000 | 1,456 |
| Total noninterest expense | $18,183,000 | 809 |
| Salaries and employee benefits | $10,040,000 | 760 |
| Premises and equipment expense | $3,591,000 | 581 |
| Additional noninterest expense | $4,552,000 | 1,009 |
| Pre-tax net operating income | $5,011,000 | 1,013 |
| Securities gains (losses) | $567,000 | 290 |
| Applicable income taxes | $1,762,000 | 720 |
| Income before extraordinary items | $3,816,000 | 958 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,816,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,115 |
| Cash dividends | $1,150,000 | 1,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,430,440 | 1,138 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $18,502,000 | 1,061 |
| Total interest expense | $5,395,000 | 1,626 |
| Net interest income | $13,107,000 | 832 |
| Provision for loan and lease losses | $150,000 | 3,592 |
| Total noninterest income | $2,186,000 | 1,234 |
| Gross Fiduciary activities income | $161,000 | 681 |
| Service charges on deposit accounts | $1,113,000 | 779 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $912,000 | 1,496 |
| Total noninterest expense | $12,114,000 | 804 |
| Salaries and employee benefits | $6,759,000 | 758 |
| Premises and equipment expense | $2,386,000 | 585 |
| Additional noninterest expense | $2,969,000 | 1,004 |
| Pre-tax net operating income | $3,029,000 | 1,177 |
| Securities gains (losses) | $352,000 | 400 |
| Applicable income taxes | $1,046,000 | 911 |
| Income before extraordinary items | $2,335,000 | 1,183 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,335,000 | 1,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,294 |
| Cash dividends | $850,000 | 1,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,092,120 | 1,287 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,499,000 | 1,059 |
| Total interest expense | $3,021,000 | 1,557 |
| Net interest income | $6,478,000 | 837 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $1,033,000 | 1,303 |
| Gross Fiduciary activities income | $73,000 | 722 |
| Service charges on deposit accounts | $533,000 | 804 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $427,000 | 1,570 |
| Total noninterest expense | $6,026,000 | 796 |
| Salaries and employee benefits | $3,418,000 | 749 |
| Premises and equipment expense | $1,195,000 | 576 |
| Additional noninterest expense | $1,413,000 | 1,020 |
| Pre-tax net operating income | $1,410,000 | 1,342 |
| Securities gains (losses) | $228,000 | 410 |
| Applicable income taxes | $499,000 | 1,009 |
| Income before extraordinary items | $1,139,000 | 1,326 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,139,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,539 |
| Cash dividends | $250,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $979,400 | 1,467 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $40,414,000 | 1,043 |
| Total interest expense | $14,044,000 | 1,425 |
| Net interest income | $26,370,000 | 826 |
| Provision for loan and lease losses | $580,000 | 2,107 |
| Total noninterest income | $4,712,000 | 1,149 |
| Gross Fiduciary activities income | $361,000 | 664 |
| Service charges on deposit accounts | $2,762,000 | 634 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,589,000 | 1,606 |
| Total noninterest expense | $22,989,000 | 804 |
| Salaries and employee benefits | $12,783,000 | 768 |
| Premises and equipment expense | $4,664,000 | 562 |
| Additional noninterest expense | $5,542,000 | 1,024 |
| Pre-tax net operating income | $7,513,000 | 1,122 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,260,000 | 1,022 |
| Income before extraordinary items | $5,253,000 | 1,219 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,253,000 | 1,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,470 |
| Cash dividends | $3,951,000 | 935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $5,253,000 | 1,213 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $30,270,000 | 1,048 |
| Total interest expense | $10,413,000 | 1,439 |
| Net interest income | $19,857,000 | 825 |
| Provision for loan and lease losses | $505,000 | 1,558 |
| Total noninterest income | $3,558,000 | 1,136 |
| Gross Fiduciary activities income | $272,000 | 661 |
| Service charges on deposit accounts | $2,203,000 | 587 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,083,000 | 1,729 |
| Total noninterest expense | $17,042,000 | 805 |
| Salaries and employee benefits | $9,446,000 | 781 |
| Premises and equipment expense | $3,416,000 | 573 |
| Additional noninterest expense | $4,180,000 | 993 |
| Pre-tax net operating income | $5,868,000 | 1,163 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,782,000 | 1,053 |
| Income before extraordinary items | $4,086,000 | 1,261 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,086,000 | 1,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,379 |
| Cash dividends | $3,900,000 | 695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,086,000 | 1,249 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,957,000 | 1,075 |
| Total interest expense | $6,853,000 | 1,456 |
| Net interest income | $13,104,000 | 852 |
| Provision for loan and lease losses | $390,000 | 1,262 |
| Total noninterest income | $2,408,000 | 1,154 |
| Gross Fiduciary activities income | $165,000 | 685 |
| Service charges on deposit accounts | $1,423,000 | 605 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $820,000 | 1,588 |
| Total noninterest expense | $11,119,000 | 838 |
| Salaries and employee benefits | $6,163,000 | 815 |
| Premises and equipment expense | $2,277,000 | 590 |
| Additional noninterest expense | $2,679,000 | 1,040 |
| Pre-tax net operating income | $4,003,000 | 1,179 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,239,000 | 1,077 |
| Income before extraordinary items | $2,764,000 | 1,294 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,764,000 | 1,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,722 |
| Cash dividends | $699,000 | 1,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,764,000 | 1,275 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,776,000 | 1,093 |
| Total interest expense | $3,292,000 | 1,511 |
| Net interest income | $6,484,000 | 863 |
| Provision for loan and lease losses | $195,000 | 1,191 |
| Total noninterest income | $1,219,000 | 1,117 |
| Gross Fiduciary activities income | $85,000 | 698 |
| Service charges on deposit accounts | $698,000 | 597 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $436,000 | 1,515 |
| Total noninterest expense | $5,340,000 | 866 |
| Salaries and employee benefits | $3,010,000 | 844 |
| Premises and equipment expense | $1,144,000 | 593 |
| Additional noninterest expense | $1,186,000 | 1,152 |
| Pre-tax net operating income | $2,168,000 | 1,076 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $677,000 | 1,007 |
| Income before extraordinary items | $1,491,000 | 1,188 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,491,000 | 1,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $99,000 | 3,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,491,000 | 1,170 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $37,056,000 | 1,064 |
| Total interest expense | $11,052,000 | 1,530 |
| Net interest income | $26,004,000 | 851 |
| Provision for loan and lease losses | $780,000 | 1,299 |
| Total noninterest income | $4,587,000 | 1,176 |
| Gross Fiduciary activities income | $364,000 | 660 |
| Service charges on deposit accounts | $2,910,000 | 581 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,313,000 | 1,827 |
| Total noninterest expense | $21,906,000 | 809 |
| Salaries and employee benefits | $11,645,000 | 818 |
| Premises and equipment expense | $4,232,000 | 608 |
| Additional noninterest expense | $6,029,000 | 881 |
| Pre-tax net operating income | $7,905,000 | 1,238 |
| Securities gains (losses) | $237,000 | 357 |
| Applicable income taxes | $2,594,000 | 1,066 |
| Income before extraordinary items | $5,548,000 | 1,314 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,548,000 | 1,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,089 |
| Cash dividends | $1,933,000 | 1,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,386,840 | 1,346 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $27,192,000 | 1,088 |
| Total interest expense | $7,939,000 | 1,539 |
| Net interest income | $19,253,000 | 883 |
| Provision for loan and lease losses | $609,000 | 1,196 |
| Total noninterest income | $3,468,000 | 1,180 |
| Gross Fiduciary activities income | $257,000 | 669 |
| Service charges on deposit accounts | $2,176,000 | 590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,035,000 | 1,774 |
| Total noninterest expense | $16,185,000 | 826 |
| Salaries and employee benefits | $8,530,000 | 856 |
| Premises and equipment expense | $2,862,000 | 696 |
| Additional noninterest expense | $4,793,000 | 843 |
| Pre-tax net operating income | $5,927,000 | 1,287 |
| Securities gains (losses) | $79,000 | 476 |
| Applicable income taxes | $1,894,000 | 1,136 |
| Income before extraordinary items | $4,112,000 | 1,383 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,112,000 | 1,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,083 |
| Cash dividends | $1,431,000 | 1,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,058,280 | 1,384 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,708,000 | 1,091 |
| Total interest expense | $4,944,000 | 1,575 |
| Net interest income | $12,764,000 | 886 |
| Provision for loan and lease losses | $390,000 | 1,192 |
| Total noninterest income | $2,321,000 | 1,171 |
| Gross Fiduciary activities income | $161,000 | 695 |
| Service charges on deposit accounts | $1,332,000 | 647 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $828,000 | 1,555 |
| Total noninterest expense | $10,526,000 | 851 |
| Salaries and employee benefits | $5,608,000 | 882 |
| Premises and equipment expense | $1,792,000 | 736 |
| Additional noninterest expense | $3,126,000 | 858 |
| Pre-tax net operating income | $4,169,000 | 1,212 |
| Securities gains (losses) | $79,000 | 382 |
| Applicable income taxes | $1,314,000 | 1,116 |
| Income before extraordinary items | $2,934,000 | 1,276 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,934,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $170,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,879,490 | 1,283 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,222,000 | 1,842 |
| Total interest expense | $1,233,000 | 2,736 |
| Net interest income | $3,989,000 | 1,440 |
| Provision for loan and lease losses | $195,000 | 1,170 |
| Total noninterest income | $481,000 | 2,238 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $386,000 | 1,120 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $95,000 | 3,822 |
| Total noninterest expense | $2,837,000 | 1,582 |
| Salaries and employee benefits | $1,557,000 | 1,595 |
| Premises and equipment expense | $553,000 | 1,166 |
| Additional noninterest expense | $727,000 | 1,801 |
| Pre-tax net operating income | $1,438,000 | 1,680 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $500,000 | 1,401 |
| Income before extraordinary items | $938,000 | 1,906 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $938,000 | 1,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $83,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $938,000 | 1,883 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,574,000 | 1,913 |
| Total interest expense | $3,872,000 | 2,720 |
| Net interest income | $13,702,000 | 1,602 |
| Provision for loan and lease losses | $780,000 | 1,290 |
| Total noninterest income | $1,915,000 | 2,288 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,595,000 | 1,113 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $320,000 | 4,200 |
| Total noninterest expense | $10,341,000 | 1,651 |
| Salaries and employee benefits | $5,452,000 | 1,717 |
| Premises and equipment expense | $2,078,000 | 1,186 |
| Additional noninterest expense | $2,811,000 | 1,795 |
| Pre-tax net operating income | $4,496,000 | 2,027 |
| Securities gains (losses) | $16,000 | 1,323 |
| Applicable income taxes | $1,537,000 | 1,676 |
| Income before extraordinary items | $2,975,000 | 2,263 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,975,000 | 2,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,863 |
| Cash dividends | $568,000 | 3,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,964,440 | 2,231 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,602,000 | 1,937 |
| Total interest expense | $2,711,000 | 2,749 |
| Net interest income | $9,891,000 | 1,644 |
| Provision for loan and lease losses | $585,000 | 1,226 |
| Total noninterest income | $1,349,000 | 2,386 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,184,000 | 1,117 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $165,000 | 5,014 |
| Total noninterest expense | $7,644,000 | 1,656 |
| Salaries and employee benefits | $3,959,000 | 1,751 |
| Premises and equipment expense | $1,554,000 | 1,169 |
| Additional noninterest expense | $2,131,000 | 1,751 |
| Pre-tax net operating income | $3,011,000 | 2,234 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $1,036,000 | 1,825 |
| Income before extraordinary items | $1,985,000 | 2,499 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,985,000 | 2,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,761 |
| Cash dividends | $491,000 | 2,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,978,400 | 2,474 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,025,000 | 1,975 |
| Total interest expense | $1,638,000 | 2,836 |
| Net interest income | $6,387,000 | 1,684 |
| Provision for loan and lease losses | $390,000 | 1,212 |
| Total noninterest income | $882,000 | 2,387 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $715,000 | 1,195 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $167,000 | 4,088 |
| Total noninterest expense | $4,958,000 | 1,685 |
| Salaries and employee benefits | $2,572,000 | 1,782 |
| Premises and equipment expense | $1,023,000 | 1,172 |
| Additional noninterest expense | $1,363,000 | 1,814 |
| Pre-tax net operating income | $1,921,000 | 2,255 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $658,000 | 1,873 |
| Income before extraordinary items | $1,273,000 | 2,530 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,273,000 | 2,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,614 |
| Cash dividends | $122,000 | 4,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,266,400 | 2,496 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,880,000 | 2,004 |
| Total interest expense | $714,000 | 3,067 |
| Net interest income | $3,166,000 | 1,688 |
| Provision for loan and lease losses | $195,000 | 1,153 |
| Total noninterest income | $392,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $349,000 | 1,179 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $43,000 | 5,506 |
| Total noninterest expense | $2,465,000 | 1,708 |
| Salaries and employee benefits | $1,272,000 | 1,816 |
| Premises and equipment expense | $513,000 | 1,188 |
| Additional noninterest expense | $680,000 | 1,817 |
| Pre-tax net operating income | $898,000 | 2,361 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $305,000 | 1,950 |
| Income before extraordinary items | $593,000 | 2,644 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $593,000 | 2,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 1,785 |
| Cash dividends | $58,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $593,000 | 2,606 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,142,000 | 2,192 |
| Total interest expense | $2,099,000 | 3,505 |
| Net interest income | $11,043,000 | 1,830 |
| Provision for loan and lease losses | $542,000 | 1,841 |
| Total noninterest income | $1,730,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,556,000 | 1,147 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $174,000 | 5,397 |
| Total noninterest expense | $9,096,000 | 1,777 |
| Salaries and employee benefits | $4,737,000 | 1,852 |
| Premises and equipment expense | $1,874,000 | 1,221 |
| Additional noninterest expense | $2,485,000 | 1,956 |
| Pre-tax net operating income | $3,135,000 | 2,495 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,058,000 | 2,061 |
| Income before extraordinary items | $2,077,000 | 2,820 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,077,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,118 |
| Cash dividends | $1,000 | 6,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,077,000 | 2,758 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,465,000 | 2,240 |
| Total interest expense | $1,477,000 | 3,662 |
| Net interest income | $7,988,000 | 1,890 |
| Provision for loan and lease losses | $392,000 | 1,811 |
| Total noninterest income | $1,295,000 | 2,445 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,161,000 | 1,147 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $134,000 | 5,364 |
| Total noninterest expense | $6,708,000 | 1,800 |
| Salaries and employee benefits | $3,422,000 | 1,905 |
| Premises and equipment expense | $1,403,000 | 1,229 |
| Additional noninterest expense | $1,883,000 | 1,913 |
| Pre-tax net operating income | $2,183,000 | 2,678 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $731,000 | 2,243 |
| Income before extraordinary items | $1,452,000 | 3,031 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,452,000 | 3,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 164 |
| Net operating income | $1,452,000 | 2,961 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,127,000 | 2,299 |
| Total interest expense | $966,000 | 3,707 |
| Net interest income | $5,161,000 | 1,925 |
| Provision for loan and lease losses | $242,000 | 1,880 |
| Total noninterest income | $833,000 | 2,517 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $746,000 | 1,185 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $87,000 | 5,445 |
| Total noninterest expense | $4,433,000 | 1,800 |
| Salaries and employee benefits | $2,290,000 | 1,896 |
| Premises and equipment expense | $922,000 | 1,250 |
| Additional noninterest expense | $1,221,000 | 1,958 |
| Pre-tax net operating income | $1,319,000 | 2,875 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $446,000 | 2,383 |
| Income before extraordinary items | $873,000 | 3,296 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $873,000 | 3,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $873,000 | 3,208 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,028,000 | 2,324 |
| Total interest expense | $483,000 | 3,741 |
| Net interest income | $2,545,000 | 1,962 |
| Provision for loan and lease losses | $122,000 | 1,779 |
| Total noninterest income | $375,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $339,000 | 1,268 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $36,000 | 5,773 |
| Total noninterest expense | $2,129,000 | 1,883 |
| Salaries and employee benefits | $1,120,000 | 1,953 |
| Premises and equipment expense | $460,000 | 1,266 |
| Additional noninterest expense | $549,000 | 2,165 |
| Pre-tax net operating income | $669,000 | 2,798 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $219,000 | 2,420 |
| Income before extraordinary items | $450,000 | 3,194 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $450,000 | 3,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $450,000 | 3,085 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,528,000 | 3,253 |
| Total interest expense | $1,439,000 | 5,001 |
| Net interest income | $7,089,000 | 2,728 |
| Provision for loan and lease losses | $360,000 | 2,773 |
| Total noninterest income | $1,098,000 | 3,513 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,028,000 | 1,675 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $70,000 | 7,103 |
| Total noninterest expense | $5,554,000 | 2,792 |
| Salaries and employee benefits | $2,927,000 | 2,824 |
| Premises and equipment expense | $1,040,000 | 2,192 |
| Additional noninterest expense | $1,587,000 | 2,920 |
| Pre-tax net operating income | $2,273,000 | 3,095 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $753,000 | 2,641 |
| Income before extraordinary items | $1,520,000 | 3,529 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,520,000 | 3,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,903 |
| Cash dividends | $3,000 | 6,261 |
| Sale, conversion, retirement of capital stock, net | $-160,000 | 9,123 |
| Net operating income | $1,520,000 | 3,368 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,302,000 | 3,341 |
| Total interest expense | $1,102,000 | 5,073 |
| Net interest income | $5,200,000 | 2,799 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $801,000 | 3,636 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $750,000 | 1,731 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 7,188 |
| Total noninterest expense | $3,940,000 | 2,939 |
| Salaries and employee benefits | $2,069,000 | 2,996 |
| Premises and equipment expense | $708,000 | 2,382 |
| Additional noninterest expense | $1,163,000 | 2,973 |
| Pre-tax net operating income | $1,791,000 | 3,085 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $548,000 | 2,860 |
| Income before extraordinary items | $1,243,000 | 3,399 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,243,000 | 3,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,988 |
| Cash dividends | $2,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $-160,000 | 9,182 |
| Net operating income | $1,243,000 | 3,238 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,126,000 | 3,421 |
| Total interest expense | $752,000 | 5,123 |
| Net interest income | $3,374,000 | 2,861 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $547,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $492,000 | 1,721 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $55,000 | 6,401 |
| Total noninterest expense | $2,569,000 | 2,981 |
| Salaries and employee benefits | $1,346,000 | 3,061 |
| Premises and equipment expense | $424,000 | 2,622 |
| Additional noninterest expense | $799,000 | 2,873 |
| Pre-tax net operating income | $1,172,000 | 3,135 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $386,000 | 2,768 |
| Income before extraordinary items | $786,000 | 3,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $786,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,496 |
| Cash dividends | $2,000 | 5,196 |
| Sale, conversion, retirement of capital stock, net | $-160,000 | 9,221 |
| Net operating income | $786,000 | 3,361 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,058,000 | 3,445 |
| Total interest expense | $368,000 | 5,289 |
| Net interest income | $1,690,000 | 2,851 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $280,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $264,000 | 1,564 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $1,256,000 | 3,022 |
| Salaries and employee benefits | $655,000 | 3,119 |
| Premises and equipment expense | $210,000 | 2,652 |
| Additional noninterest expense | $391,000 | 2,911 |
| Pre-tax net operating income | $624,000 | 2,990 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $206,000 | 2,643 |
| Income before extraordinary items | $418,000 | 3,356 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $418,000 | 3,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 1,693 |
| Cash dividends | $2,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $-160,000 | 9,284 |
| Net operating income | $418,000 | 3,188 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,615,000 | 3,795 |
| Total interest expense | $1,707,000 | 5,312 |
| Net interest income | $5,908,000 | 3,183 |
| Provision for loan and lease losses | $255,000 | 3,810 |
| Total noninterest income | $1,002,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $879,000 | 1,830 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 6,013 |
| Total noninterest expense | $4,515,000 | 3,212 |
| Salaries and employee benefits | $2,258,000 | 3,386 |
| Premises and equipment expense | $724,000 | 2,916 |
| Additional noninterest expense | $1,533,000 | 2,908 |
| Pre-tax net operating income | $2,140,000 | 3,282 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $681,000 | 2,905 |
| Income before extraordinary items | $1,459,000 | 3,572 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,459,000 | 3,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 4,073 |
| Cash dividends | $10,000 | 6,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,459,000 | 3,470 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,873,000 | 4,072 |
| Total interest expense | $2,812,000 | 4,971 |
| Net interest income | $5,061,000 | 3,401 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $917,000 | 3,538 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $789,000 | 1,927 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $3,573,000 | 3,765 |
| Salaries and employee benefits | $1,682,000 | 4,135 |
| Premises and equipment expense | $486,000 | 3,980 |
| Additional noninterest expense | $1,405,000 | 3,050 |
| Pre-tax net operating income | $2,165,000 | 2,997 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $782,000 | 2,474 |
| Income before extraordinary items | $1,383,000 | 3,430 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,383,000 | 3,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,000 |
| Cash dividends | $10,000 | 6,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,383,000 | 3,331 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,635,000 | 4,276 |
| Total interest expense | $2,729,000 | 5,269 |
| Net interest income | $4,906,000 | 3,538 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $783,000 | 3,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $646,000 | 2,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,705 |
| Total noninterest expense | $3,142,000 | 4,070 |
| Salaries and employee benefits | $1,538,000 | 4,280 |
| Premises and equipment expense | $424,000 | 4,319 |
| Additional noninterest expense | $1,180,000 | 3,484 |
| Pre-tax net operating income | $2,307,000 | 2,964 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $831,000 | 2,443 |
| Income before extraordinary items | $1,476,000 | 3,301 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,476,000 | 3,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,329 |
| Cash dividends | $808,000 | 2,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,476,000 | 3,292 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,884,000 | 5,012 |
| Total interest expense | $2,061,000 | 5,897 |
| Net interest income | $3,823,000 | 4,337 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $767,000 | 3,731 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $604,000 | 2,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $2,838,000 | 4,414 |
| Salaries and employee benefits | $1,352,000 | 4,717 |
| Premises and equipment expense | $386,000 | 4,662 |
| Additional noninterest expense | $1,100,000 | 3,710 |
| Pre-tax net operating income | $1,572,000 | 3,965 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $578,000 | 3,302 |
| Income before extraordinary items | $994,000 | 4,454 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $994,000 | 4,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,975 |
| Cash dividends | $10,000 | 7,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $994,000 | 4,418 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,184,000 | 5,538 |
| Total interest expense | $1,679,000 | 6,809 |
| Net interest income | $3,505,000 | 4,589 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,084,000 | 2,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $508,000 | 2,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $576,000 | 2,713 |
| Total noninterest expense | $2,684,000 | 4,526 |
| Salaries and employee benefits | $1,239,000 | 4,951 |
| Premises and equipment expense | $353,000 | 4,853 |
| Additional noninterest expense | $1,092,000 | 3,646 |
| Pre-tax net operating income | $1,785,000 | 3,658 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $658,000 | 3,172 |
| Income before extraordinary items | $1,127,000 | 4,111 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,127,000 | 4,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,124 |
| Cash dividends | $390,000 | 4,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,127,000 | 4,024 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,827,000 | 5,937 |
| Total interest expense | $1,577,000 | 7,160 |
| Net interest income | $3,250,000 | 4,998 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $698,000 | 3,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,670 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $206,000 | 4,882 |
| Total noninterest expense | $2,546,000 | 4,724 |
| Salaries and employee benefits | $1,060,000 | 5,637 |
| Premises and equipment expense | $267,000 | 5,836 |
| Additional noninterest expense | $1,219,000 | 3,311 |
| Pre-tax net operating income | $1,222,000 | 5,180 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $386,000 | 4,980 |
| Income before extraordinary items | $836,000 | 5,310 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $836,000 | 5,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $370,000 | 4,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $836,000 | 5,253 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,525,000 | 6,371 |
| Total interest expense | $1,467,000 | 7,650 |
| Net interest income | $3,058,000 | 5,357 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $570,000 | 4,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 2,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,916 |
| Total noninterest expense | $2,015,000 | 5,918 |
| Salaries and employee benefits | $924,000 | 6,342 |
| Premises and equipment expense | $247,000 | 6,293 |
| Additional noninterest expense | $844,000 | 4,987 |
| Pre-tax net operating income | $1,613,000 | 4,101 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $534,000 | 3,939 |
| Income before extraordinary items | $1,079,000 | 4,215 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,079,000 | 4,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $115,000 | 6,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,079,000 | 4,149 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 7,272 |
| Total interest expense | $1,180,000 | 8,653 |
| Net interest income | $2,555,000 | 6,214 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $570,000 | 4,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,260 |
| Total noninterest expense | $1,753,000 | 6,587 |
| Salaries and employee benefits | $759,000 | 7,349 |
| Premises and equipment expense | $201,000 | 7,169 |
| Additional noninterest expense | $793,000 | 5,283 |
| Pre-tax net operating income | $1,372,000 | 4,773 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $447,000 | 4,548 |
| Income before extraordinary items | $925,000 | 4,875 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $925,000 | 4,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $86,000 | 7,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $925,000 | 4,875 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,074,000 | 7,929 |
| Total interest expense | $921,000 | 9,033 |
| Net interest income | $2,153,000 | 7,188 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $536,000 | 5,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,586 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 6,034 |
| Total noninterest expense | $1,698,000 | 6,996 |
| Salaries and employee benefits | $753,000 | 7,502 |
| Premises and equipment expense | $170,000 | 8,080 |
| Additional noninterest expense | $775,000 | 5,854 |
| Pre-tax net operating income | $991,000 | 5,997 |
| Securities gains (losses) | $-18,000 | 10,260 |
| Applicable income taxes | $319,000 | 5,646 |
| Income before extraordinary items | $654,000 | 6,197 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $654,000 | 6,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $99,000 | 6,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $666,060 | 6,187 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,629,000 | 8,949 |
| Total interest expense | $878,000 | 9,644 |
| Net interest income | $1,751,000 | 8,361 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $471,000 | 5,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 7,168 |
| Total noninterest expense | $1,643,000 | 7,375 |
| Salaries and employee benefits | $673,000 | 8,192 |
| Premises and equipment expense | $183,000 | 8,063 |
| Additional noninterest expense | $787,000 | 5,995 |
| Pre-tax net operating income | $579,000 | 8,088 |
| Securities gains (losses) | $158,000 | 1,934 |
| Applicable income taxes | $221,000 | 7,240 |
| Income before extraordinary items | $516,000 | 7,417 |
| Extraordinary gains, net | $15,000 | 2,819 |
| Net income | $531,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 12,190 |
| Cash dividends | $135,000 | 6,315 |
| Sale, conversion, retirement of capital stock, net | $169,000 | 811 |
| Net operating income | $405,400 | 8,098 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,831,000 | 9,270 |
| Total interest expense | $1,181,000 | 9,662 |
| Net interest income | $1,650,000 | 8,807 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $446,000 | 6,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 4,034 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,823 |
| Total noninterest expense | $1,475,000 | 8,013 |
| Salaries and employee benefits | $541,000 | 9,359 |
| Premises and equipment expense | $166,000 | 8,671 |
| Additional noninterest expense | $768,000 | 6,294 |
| Pre-tax net operating income | $591,000 | 7,779 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $207,000 | 7,418 |
| Income before extraordinary items | $406,000 | 8,155 |
| Extraordinary gains, net | $207,000 | 415 |
| Net income | $613,000 | 6,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $391,480 | 7,952 |
* 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.