Home > Americantrust Federal Savings Bank > Income and Expense
Americantrust Federal Savings Bank, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,703,000 | 4,720 |
| Total interest expense | $1,354,000 | 3,686 |
| Net interest income | $3,349,000 | 5,015 |
| Provision for loan and lease losses | $1,457,000 | 1,933 |
| Total noninterest income | $226,000 | 5,586 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 6,099 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $163,000 | 4,735 |
| Total noninterest expense | $3,227,000 | 4,671 |
| Salaries and employee benefits | $1,584,000 | 4,820 |
| Premises and equipment expense | $500,000 | 4,049 |
| Additional noninterest expense | $1,143,000 | 4,591 |
| Pre-tax net operating income | $-1,109,000 | 6,613 |
| Securities gains (losses) | $42,000 | 2,697 |
| Applicable income taxes | $-439,000 | 7,036 |
| Income before extraordinary items | $-628,000 | 6,529 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-628,000 | 6,529 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-628,000 | 6,528 |
| Net charge-offs | $1,793,000 | 1,661 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-654,880 | 6,505 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,573,000 | 4,750 |
| Total interest expense | $1,025,000 | 3,769 |
| Net interest income | $2,548,000 | 5,009 |
| Provision for loan and lease losses | $1,183,000 | 1,766 |
| Total noninterest income | $210,000 | 5,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 5,779 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $147,000 | 4,557 |
| Total noninterest expense | $2,486,000 | 4,620 |
| Salaries and employee benefits | $1,241,000 | 4,693 |
| Premises and equipment expense | $387,000 | 3,998 |
| Additional noninterest expense | $858,000 | 4,581 |
| Pre-tax net operating income | $-911,000 | 6,773 |
| Securities gains (losses) | $47,000 | 2,372 |
| Applicable income taxes | $-348,000 | 7,165 |
| Income before extraordinary items | $-516,000 | 6,693 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-516,000 | 6,694 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-516,000 | 6,694 |
| Net charge-offs | $1,531,000 | 1,472 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-546,080 | 6,666 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,412,000 | 4,757 |
| Total interest expense | $691,000 | 3,848 |
| Net interest income | $1,721,000 | 4,985 |
| Provision for loan and lease losses | $1,183,000 | 1,360 |
| Total noninterest income | $-4,000 | 7,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 5,201 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-67,000 | 7,158 |
| Total noninterest expense | $1,669,000 | 4,656 |
| Salaries and employee benefits | $851,000 | 4,654 |
| Premises and equipment expense | $238,000 | 4,241 |
| Additional noninterest expense | $580,000 | 4,619 |
| Pre-tax net operating income | $-1,135,000 | 7,020 |
| Securities gains (losses) | $50,000 | 1,598 |
| Applicable income taxes | $-400,000 | 7,306 |
| Income before extraordinary items | $-685,000 | 6,923 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-685,000 | 6,922 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-685,000 | 6,923 |
| Net charge-offs | $1,370,000 | 1,203 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-717,000 | 6,922 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,242,000 | 4,699 |
| Total interest expense | $354,000 | 3,883 |
| Net interest income | $888,000 | 4,907 |
| Provision for loan and lease losses | $1,100,000 | 794 |
| Total noninterest income | $26,000 | 6,619 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 3,894 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-37,000 | 7,270 |
| Total noninterest expense | $845,000 | 4,648 |
| Salaries and employee benefits | $429,000 | 4,664 |
| Premises and equipment expense | $122,000 | 4,237 |
| Additional noninterest expense | $294,000 | 4,592 |
| Pre-tax net operating income | $-1,031,000 | 7,283 |
| Securities gains (losses) | $20,000 | 1,097 |
| Applicable income taxes | $-361,000 | 7,442 |
| Income before extraordinary items | $-650,000 | 7,191 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-650,000 | 7,192 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-650,000 | 7,192 |
| Net charge-offs | $1,268,000 | 725 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-662,800 | 7,190 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,471,000 | 4,566 |
| Total interest expense | $2,260,000 | 3,234 |
| Net interest income | $3,211,000 | 5,180 |
| Provision for loan and lease losses | $1,687,000 | 2,304 |
| Total noninterest income | $297,000 | 5,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $297,000 | 3,960 |
| Total noninterest expense | $3,284,000 | 4,757 |
| Salaries and employee benefits | $1,510,000 | 5,044 |
| Premises and equipment expense | $482,000 | 4,283 |
| Additional noninterest expense | $1,292,000 | 4,418 |
| Pre-tax net operating income | $-1,463,000 | 6,645 |
| Securities gains (losses) | $46,000 | 2,712 |
| Applicable income taxes | $-623,000 | 7,215 |
| Income before extraordinary items | $-794,000 | 6,504 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-794,000 | 6,506 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-794,000 | 6,506 |
| Net charge-offs | $884,000 | 2,862 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-823,440 | 6,469 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,210,000 | 4,588 |
| Total interest expense | $1,820,000 | 3,183 |
| Net interest income | $2,390,000 | 5,256 |
| Provision for loan and lease losses | $1,627,000 | 1,879 |
| Total noninterest income | $217,000 | 5,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $217,000 | 4,048 |
| Total noninterest expense | $2,478,000 | 4,761 |
| Salaries and employee benefits | $1,119,000 | 5,110 |
| Premises and equipment expense | $364,000 | 4,325 |
| Additional noninterest expense | $995,000 | 4,318 |
| Pre-tax net operating income | $-1,498,000 | 6,960 |
| Securities gains (losses) | $35,000 | 2,650 |
| Applicable income taxes | $-629,000 | 7,411 |
| Income before extraordinary items | $-834,000 | 6,839 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-834,000 | 6,839 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-834,000 | 6,839 |
| Net charge-offs | $608,000 | 2,808 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-856,400 | 6,790 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,870,000 | 4,570 |
| Total interest expense | $1,351,000 | 3,024 |
| Net interest income | $1,519,000 | 5,411 |
| Provision for loan and lease losses | $1,432,000 | 1,567 |
| Total noninterest income | $88,000 | 6,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $88,000 | 4,822 |
| Total noninterest expense | $1,702,000 | 4,700 |
| Salaries and employee benefits | $753,000 | 5,098 |
| Premises and equipment expense | $249,000 | 4,281 |
| Additional noninterest expense | $700,000 | 4,166 |
| Pre-tax net operating income | $-1,527,000 | 7,174 |
| Securities gains (losses) | $35,000 | 2,105 |
| Applicable income taxes | $-630,000 | 7,526 |
| Income before extraordinary items | $-862,000 | 7,032 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-862,000 | 7,032 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-862,000 | 7,032 |
| Net charge-offs | $562,000 | 2,318 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-884,400 | 7,008 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,433,000 | 4,627 |
| Total interest expense | $711,000 | 3,026 |
| Net interest income | $722,000 | 5,577 |
| Provision for loan and lease losses | $1,131,000 | 1,079 |
| Total noninterest income | $49,000 | 6,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $49,000 | 4,728 |
| Total noninterest expense | $790,000 | 4,965 |
| Salaries and employee benefits | $378,000 | 5,142 |
| Premises and equipment expense | $135,000 | 4,161 |
| Additional noninterest expense | $277,000 | 4,819 |
| Pre-tax net operating income | $-1,150,000 | 7,457 |
| Securities gains (losses) | $15,000 | 1,604 |
| Applicable income taxes | $-479,000 | 7,702 |
| Income before extraordinary items | $-656,000 | 7,345 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-656,000 | 7,345 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-656,000 | 7,346 |
| Net charge-offs | $303,000 | 2,019 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-665,600 | 7,331 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,233,000 | 4,501 |
| Total interest expense | $2,973,000 | 3,429 |
| Net interest income | $3,260,000 | 5,159 |
| Provision for loan and lease losses | $1,059,000 | 3,408 |
| Total noninterest income | $452,000 | 4,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $452,000 | 3,368 |
| Total noninterest expense | $3,701,000 | 4,558 |
| Salaries and employee benefits | $1,438,000 | 5,322 |
| Premises and equipment expense | $527,000 | 4,231 |
| Additional noninterest expense | $1,736,000 | 3,701 |
| Pre-tax net operating income | $-1,048,000 | 6,272 |
| Securities gains (losses) | $264,000 | 1,340 |
| Applicable income taxes | $-454,000 | 7,004 |
| Income before extraordinary items | $-330,000 | 5,949 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-330,000 | 5,948 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-330,000 | 5,948 |
| Net charge-offs | $893,000 | 3,005 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-498,960 | 6,073 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,775,000 | 4,500 |
| Total interest expense | $2,229,000 | 3,569 |
| Net interest income | $2,546,000 | 5,051 |
| Provision for loan and lease losses | $812,000 | 3,084 |
| Total noninterest income | $450,000 | 4,434 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $450,000 | 2,994 |
| Total noninterest expense | $2,901,000 | 4,443 |
| Salaries and employee benefits | $1,050,000 | 5,430 |
| Premises and equipment expense | $405,000 | 4,229 |
| Additional noninterest expense | $1,446,000 | 3,377 |
| Pre-tax net operating income | $-717,000 | 6,485 |
| Securities gains (losses) | $106,000 | 1,790 |
| Applicable income taxes | $-376,000 | 7,267 |
| Income before extraordinary items | $-235,000 | 6,164 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-235,000 | 6,165 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-235,000 | 6,164 |
| Net charge-offs | $764,000 | 2,533 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-302,840 | 6,230 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 4,580 |
| Total interest expense | $1,484,000 | 3,700 |
| Net interest income | $1,661,000 | 5,108 |
| Provision for loan and lease losses | $502,000 | 2,957 |
| Total noninterest income | $269,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $269,000 | 3,172 |
| Total noninterest expense | $2,066,000 | 4,303 |
| Salaries and employee benefits | $679,000 | 5,592 |
| Premises and equipment expense | $276,000 | 4,180 |
| Additional noninterest expense | $1,111,000 | 3,032 |
| Pre-tax net operating income | $-638,000 | 6,754 |
| Securities gains (losses) | $88,000 | 1,580 |
| Applicable income taxes | $-326,000 | 7,441 |
| Income before extraordinary items | $-224,000 | 6,420 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-224,000 | 6,418 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-224,000 | 6,419 |
| Net charge-offs | $612,000 | 2,111 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-280,320 | 6,501 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,646,000 | 4,487 |
| Total interest expense | $750,000 | 3,772 |
| Net interest income | $896,000 | 4,907 |
| Provision for loan and lease losses | $272,000 | 2,469 |
| Total noninterest income | $84,000 | 5,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $84,000 | 3,931 |
| Total noninterest expense | $987,000 | 4,338 |
| Salaries and employee benefits | $319,000 | 5,824 |
| Premises and equipment expense | $151,000 | 3,954 |
| Additional noninterest expense | $517,000 | 2,927 |
| Pre-tax net operating income | $-279,000 | 7,030 |
| Securities gains (losses) | $89,000 | 1,052 |
| Applicable income taxes | $-92,000 | 7,535 |
| Income before extraordinary items | $-98,000 | 6,805 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-98,000 | 6,805 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-98,000 | 6,806 |
| Net charge-offs | $203,000 | 2,120 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-154,960 | 6,878 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,291,000 | 4,377 |
| Total interest expense | $3,689,000 | 3,712 |
| Net interest income | $3,602,000 | 4,897 |
| Provision for loan and lease losses | $271,000 | 4,798 |
| Total noninterest income | $399,000 | 5,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $399,000 | 3,596 |
| Total noninterest expense | $3,143,000 | 4,971 |
| Salaries and employee benefits | $1,509,000 | 5,318 |
| Premises and equipment expense | $689,000 | 3,552 |
| Additional noninterest expense | $945,000 | 4,997 |
| Pre-tax net operating income | $587,000 | 4,644 |
| Securities gains (losses) | $315,000 | 528 |
| Applicable income taxes | $240,000 | 2,644 |
| Income before extraordinary items | $662,000 | 4,013 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $662,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 4,432 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $432,050 | 4,821 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,577,000 | 4,391 |
| Total interest expense | $2,872,000 | 3,733 |
| Net interest income | $2,705,000 | 4,926 |
| Provision for loan and lease losses | $206,000 | 4,164 |
| Total noninterest income | $438,000 | 4,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $438,000 | 3,033 |
| Total noninterest expense | $2,402,000 | 4,889 |
| Salaries and employee benefits | $1,202,000 | 5,148 |
| Premises and equipment expense | $528,000 | 3,515 |
| Additional noninterest expense | $672,000 | 5,086 |
| Pre-tax net operating income | $535,000 | 4,832 |
| Securities gains (losses) | $296,000 | 468 |
| Applicable income taxes | $225,000 | 2,781 |
| Income before extraordinary items | $606,000 | 4,110 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $606,000 | 4,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,663 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $389,920 | 4,996 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,832,000 | 4,372 |
| Total interest expense | $2,027,000 | 3,706 |
| Net interest income | $1,805,000 | 4,931 |
| Provision for loan and lease losses | $146,000 | 3,706 |
| Total noninterest income | $325,000 | 4,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $325,000 | 2,901 |
| Total noninterest expense | $1,564,000 | 4,991 |
| Salaries and employee benefits | $812,000 | 5,161 |
| Premises and equipment expense | $347,000 | 3,574 |
| Additional noninterest expense | $405,000 | 5,383 |
| Pre-tax net operating income | $420,000 | 4,704 |
| Securities gains (losses) | $262,000 | 502 |
| Applicable income taxes | $178,000 | 2,817 |
| Income before extraordinary items | $504,000 | 3,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $504,000 | 3,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,802 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $310,120 | 4,878 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,017,000 | 4,289 |
| Total interest expense | $1,093,000 | 3,681 |
| Net interest income | $924,000 | 4,875 |
| Provision for loan and lease losses | $56,000 | 3,670 |
| Total noninterest income | $151,000 | 4,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $151,000 | 3,028 |
| Total noninterest expense | $722,000 | 5,266 |
| Salaries and employee benefits | $417,000 | 5,121 |
| Premises and equipment expense | $169,000 | 3,660 |
| Additional noninterest expense | $136,000 | 6,426 |
| Pre-tax net operating income | $297,000 | 4,178 |
| Securities gains (losses) | $224,000 | 415 |
| Applicable income taxes | $124,000 | 2,551 |
| Income before extraordinary items | $397,000 | 3,204 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $397,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,990 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $226,760 | 4,313 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,090,000 | 4,332 |
| Total interest expense | $4,970,000 | 3,490 |
| Net interest income | $3,120,000 | 5,401 |
| Provision for loan and lease losses | $460,000 | 2,465 |
| Total noninterest income | $522,000 | 4,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $522,000 | 3,230 |
| Total noninterest expense | $3,096,000 | 4,919 |
| Salaries and employee benefits | $1,687,000 | 4,953 |
| Premises and equipment expense | $452,000 | 4,657 |
| Additional noninterest expense | $957,000 | 4,786 |
| Pre-tax net operating income | $86,000 | 7,184 |
| Securities gains (losses) | $208,000 | 437 |
| Applicable income taxes | $140,000 | 4,194 |
| Income before extraordinary items | $154,000 | 6,943 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $154,000 | 6,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,163 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $20,880 | 7,405 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,021,000 | 4,365 |
| Total interest expense | $3,732,000 | 3,477 |
| Net interest income | $2,289,000 | 5,490 |
| Provision for loan and lease losses | $100,000 | 4,093 |
| Total noninterest income | $422,000 | 4,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $422,000 | 3,109 |
| Total noninterest expense | $2,332,000 | 4,871 |
| Salaries and employee benefits | $1,259,000 | 4,948 |
| Premises and equipment expense | $341,000 | 4,621 |
| Additional noninterest expense | $732,000 | 4,671 |
| Pre-tax net operating income | $279,000 | 6,644 |
| Securities gains (losses) | $103,000 | 490 |
| Applicable income taxes | $115,000 | 4,309 |
| Income before extraordinary items | $267,000 | 6,492 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $267,000 | 6,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,509 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $194,900 | 6,818 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,048,000 | 4,358 |
| Total interest expense | $2,489,000 | 3,467 |
| Net interest income | $1,559,000 | 5,459 |
| Provision for loan and lease losses | $54,000 | 4,290 |
| Total noninterest income | $275,000 | 4,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $275,000 | 3,170 |
| Total noninterest expense | $1,558,000 | 4,900 |
| Salaries and employee benefits | $851,000 | 4,932 |
| Premises and equipment expense | $230,000 | 4,617 |
| Additional noninterest expense | $477,000 | 4,719 |
| Pre-tax net operating income | $222,000 | 6,507 |
| Securities gains (losses) | $54,000 | 518 |
| Applicable income taxes | $87,000 | 4,261 |
| Income before extraordinary items | $189,000 | 6,459 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $189,000 | 6,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,047 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $152,280 | 6,723 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 4,376 |
| Total interest expense | $1,231,000 | 3,476 |
| Net interest income | $789,000 | 5,425 |
| Provision for loan and lease losses | $38,000 | 3,501 |
| Total noninterest income | $122,000 | 5,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $122,000 | 3,401 |
| Total noninterest expense | $791,000 | 4,830 |
| Salaries and employee benefits | $436,000 | 4,877 |
| Premises and equipment expense | $115,000 | 4,635 |
| Additional noninterest expense | $240,000 | 4,674 |
| Pre-tax net operating income | $82,000 | 6,896 |
| Securities gains (losses) | $33,000 | 468 |
| Applicable income taxes | $32,000 | 4,554 |
| Income before extraordinary items | $83,000 | 6,659 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $83,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $59,240 | 7,019 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,102,000 | 4,522 |
| Total interest expense | $4,108,000 | 3,529 |
| Net interest income | $2,994,000 | 5,536 |
| Provision for loan and lease losses | $135,000 | 4,209 |
| Total noninterest income | $626,000 | 4,622 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $626,000 | 2,937 |
| Total noninterest expense | $3,138,000 | 4,734 |
| Salaries and employee benefits | $1,667,000 | 4,869 |
| Premises and equipment expense | $554,000 | 3,989 |
| Additional noninterest expense | $917,000 | 4,796 |
| Pre-tax net operating income | $347,000 | 6,961 |
| Securities gains (losses) | $116,000 | 503 |
| Applicable income taxes | $138,000 | 4,697 |
| Income before extraordinary items | $325,000 | 6,813 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $325,000 | 6,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,461 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $243,800 | 7,110 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,208,000 | 4,581 |
| Total interest expense | $2,946,000 | 3,558 |
| Net interest income | $2,262,000 | 5,554 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $497,000 | 4,490 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $497,000 | 2,854 |
| Total noninterest expense | $2,381,000 | 4,683 |
| Salaries and employee benefits | $1,261,000 | 4,817 |
| Premises and equipment expense | $430,000 | 3,904 |
| Additional noninterest expense | $690,000 | 4,759 |
| Pre-tax net operating income | $288,000 | 7,053 |
| Securities gains (losses) | $88,000 | 461 |
| Applicable income taxes | $117,000 | 4,766 |
| Income before extraordinary items | $259,000 | 6,928 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $259,000 | 6,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,004 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $198,280 | 7,228 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 4,590 |
| Total interest expense | $1,888,000 | 3,552 |
| Net interest income | $1,523,000 | 5,541 |
| Provision for loan and lease losses | $79,000 | 3,741 |
| Total noninterest income | $299,000 | 4,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $299,000 | 3,023 |
| Total noninterest expense | $1,598,000 | 4,686 |
| Salaries and employee benefits | $834,000 | 4,860 |
| Premises and equipment expense | $295,000 | 3,818 |
| Additional noninterest expense | $469,000 | 4,677 |
| Pre-tax net operating income | $145,000 | 7,412 |
| Securities gains (losses) | $48,000 | 461 |
| Applicable income taxes | $56,000 | 5,143 |
| Income before extraordinary items | $137,000 | 7,251 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $137,000 | 7,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,324 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $102,920 | 7,522 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,686,000 | 4,570 |
| Total interest expense | $909,000 | 3,506 |
| Net interest income | $777,000 | 5,476 |
| Provision for loan and lease losses | $33,000 | 3,748 |
| Total noninterest income | $135,000 | 4,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $135,000 | 3,166 |
| Total noninterest expense | $796,000 | 4,714 |
| Salaries and employee benefits | $417,000 | 4,880 |
| Premises and equipment expense | $154,000 | 3,708 |
| Additional noninterest expense | $225,000 | 4,805 |
| Pre-tax net operating income | $83,000 | 7,271 |
| Securities gains (losses) | $23,000 | 452 |
| Applicable income taxes | $31,000 | 4,987 |
| Income before extraordinary items | $75,000 | 7,115 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $75,000 | 7,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $58,670 | 7,404 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,997,000 | 4,606 |
| Total interest expense | $3,023,000 | 3,310 |
| Net interest income | $2,974,000 | 5,538 |
| Provision for loan and lease losses | $245,000 | 3,204 |
| Total noninterest income | $522,000 | 5,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $522,000 | 3,294 |
| Total noninterest expense | $3,137,000 | 4,621 |
| Salaries and employee benefits | $1,429,000 | 5,210 |
| Premises and equipment expense | $561,000 | 3,855 |
| Additional noninterest expense | $1,147,000 | 3,998 |
| Pre-tax net operating income | $114,000 | 7,951 |
| Securities gains (losses) | $129,000 | 622 |
| Applicable income taxes | $34,000 | 6,086 |
| Income before extraordinary items | $209,000 | 7,543 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $209,000 | 7,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,928 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $98,060 | 7,957 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,375,000 | 4,653 |
| Total interest expense | $2,209,000 | 3,234 |
| Net interest income | $2,166,000 | 5,638 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $433,000 | 4,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $433,000 | 3,139 |
| Total noninterest expense | $2,318,000 | 4,661 |
| Salaries and employee benefits | $1,026,000 | 5,337 |
| Premises and equipment expense | $418,000 | 3,848 |
| Additional noninterest expense | $874,000 | 3,910 |
| Pre-tax net operating income | $56,000 | 8,167 |
| Securities gains (losses) | $76,000 | 758 |
| Applicable income taxes | $3,000 | 6,760 |
| Income before extraordinary items | $129,000 | 7,814 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $129,000 | 7,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $54,520 | 8,137 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 4,677 |
| Total interest expense | $1,416,000 | 3,195 |
| Net interest income | $1,418,000 | 5,675 |
| Provision for loan and lease losses | $165,000 | 2,477 |
| Total noninterest income | $286,000 | 4,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $286,000 | 3,157 |
| Total noninterest expense | $1,563,000 | 4,607 |
| Salaries and employee benefits | $639,000 | 5,537 |
| Premises and equipment expense | $280,000 | 3,815 |
| Additional noninterest expense | $644,000 | 3,596 |
| Pre-tax net operating income | $-24,000 | 8,401 |
| Securities gains (losses) | $42,000 | 858 |
| Applicable income taxes | $-31,000 | 8,682 |
| Income before extraordinary items | $49,000 | 8,115 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $49,000 | 8,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $7,000 | 8,315 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 4,754 |
| Total interest expense | $684,000 | 3,176 |
| Net interest income | $690,000 | 5,775 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $131,000 | 5,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $131,000 | 3,236 |
| Total noninterest expense | $772,000 | 4,667 |
| Salaries and employee benefits | $277,000 | 6,055 |
| Premises and equipment expense | $121,000 | 4,285 |
| Additional noninterest expense | $374,000 | 3,193 |
| Pre-tax net operating income | $-26,000 | 8,516 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $-32,000 | 8,772 |
| Income before extraordinary items | $9,000 | 8,369 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $9,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,080 | 8,363 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,152,000 | 4,745 |
| Total interest expense | $2,620,000 | 2,928 |
| Net interest income | $2,532,000 | 5,961 |
| Provision for loan and lease losses | $190,000 | 3,789 |
| Total noninterest income | $361,000 | 6,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $361,000 | 3,905 |
| Total noninterest expense | $2,759,000 | 4,955 |
| Salaries and employee benefits | $1,347,000 | 5,316 |
| Premises and equipment expense | $515,000 | 3,994 |
| Additional noninterest expense | $897,000 | 4,716 |
| Pre-tax net operating income | $-56,000 | 8,453 |
| Securities gains (losses) | $167,000 | 923 |
| Applicable income taxes | $-5,000 | 8,547 |
| Income before extraordinary items | $116,000 | 8,027 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $116,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,254 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-51,000 | 8,461 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,834,000 | 4,755 |
| Total interest expense | $1,966,000 | 2,885 |
| Net interest income | $1,868,000 | 6,028 |
| Provision for loan and lease losses | $115,000 | 4,038 |
| Total noninterest income | $252,000 | 6,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $252,000 | 4,051 |
| Total noninterest expense | $2,068,000 | 4,920 |
| Salaries and employee benefits | $1,018,000 | 5,259 |
| Premises and equipment expense | $378,000 | 4,042 |
| Additional noninterest expense | $672,000 | 4,675 |
| Pre-tax net operating income | $-63,000 | 8,567 |
| Securities gains (losses) | $114,000 | 1,095 |
| Applicable income taxes | $-17,000 | 8,757 |
| Income before extraordinary items | $68,000 | 8,235 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $68,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,570 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-46,000 | 8,547 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 4,761 |
| Total interest expense | $1,306,000 | 2,885 |
| Net interest income | $1,248,000 | 6,030 |
| Provision for loan and lease losses | $115,000 | 3,272 |
| Total noninterest income | $211,000 | 5,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $211,000 | 3,637 |
| Total noninterest expense | $1,374,000 | 4,953 |
| Salaries and employee benefits | $685,000 | 5,255 |
| Premises and equipment expense | $238,000 | 4,228 |
| Additional noninterest expense | $451,000 | 4,672 |
| Pre-tax net operating income | $-30,000 | 8,602 |
| Securities gains (losses) | $166,000 | 732 |
| Applicable income taxes | $23,000 | 6,209 |
| Income before extraordinary items | $113,000 | 7,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 7,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-24,780 | 8,592 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 4,811 |
| Total interest expense | $650,000 | 2,932 |
| Net interest income | $619,000 | 6,048 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $94,000 | 5,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $94,000 | 3,835 |
| Total noninterest expense | $716,000 | 4,844 |
| Salaries and employee benefits | $390,000 | 4,830 |
| Premises and equipment expense | $96,000 | 4,925 |
| Additional noninterest expense | $230,000 | 4,601 |
| Pre-tax net operating income | $-53,000 | 8,728 |
| Securities gains (losses) | $113,000 | 738 |
| Applicable income taxes | $8,000 | 6,367 |
| Income before extraordinary items | $52,000 | 7,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 7,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-46,310 | 8,713 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,653,000 | 5,135 |
| Total interest expense | $2,136,000 | 3,818 |
| Net interest income | $2,517,000 | 5,880 |
| Provision for loan and lease losses | $25,000 | 6,896 |
| Total noninterest income | $453,000 | 5,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $453,000 | 3,749 |
| Total noninterest expense | $2,614,000 | 5,055 |
| Salaries and employee benefits | $1,142,000 | 5,810 |
| Premises and equipment expense | $459,000 | 4,325 |
| Additional noninterest expense | $1,013,000 | 4,232 |
| Pre-tax net operating income | $331,000 | 7,312 |
| Securities gains (losses) | $190,000 | 1,375 |
| Applicable income taxes | $147,000 | 5,305 |
| Income before extraordinary items | $374,000 | 6,925 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $374,000 | 6,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,737 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $237,200 | 7,451 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,455,000 | 5,227 |
| Total interest expense | $1,534,000 | 4,067 |
| Net interest income | $1,921,000 | 5,853 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $340,000 | 5,739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $340,000 | 3,831 |
| Total noninterest expense | $1,973,000 | 5,030 |
| Salaries and employee benefits | $856,000 | 5,773 |
| Premises and equipment expense | $338,000 | 4,366 |
| Additional noninterest expense | $779,000 | 4,140 |
| Pre-tax net operating income | $288,000 | 7,232 |
| Securities gains (losses) | $140,000 | 1,471 |
| Applicable income taxes | $128,000 | 5,296 |
| Income before extraordinary items | $300,000 | 6,951 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $300,000 | 6,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,377 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $202,000 | 7,425 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 5,135 |
| Total interest expense | $1,002,000 | 4,249 |
| Net interest income | $1,396,000 | 5,569 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $200,000 | 6,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $200,000 | 4,036 |
| Total noninterest expense | $1,289,000 | 5,092 |
| Salaries and employee benefits | $525,000 | 6,080 |
| Premises and equipment expense | $217,000 | 4,478 |
| Additional noninterest expense | $547,000 | 3,973 |
| Pre-tax net operating income | $307,000 | 6,462 |
| Securities gains (losses) | $223,000 | 976 |
| Applicable income taxes | $184,000 | 4,128 |
| Income before extraordinary items | $346,000 | 5,763 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $346,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $201,050 | 6,767 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 4,942 |
| Total interest expense | $502,000 | 4,336 |
| Net interest income | $773,000 | 5,222 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $73,000 | 6,636 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $73,000 | 4,524 |
| Total noninterest expense | $660,000 | 5,009 |
| Salaries and employee benefits | $264,000 | 6,066 |
| Premises and equipment expense | $114,000 | 4,333 |
| Additional noninterest expense | $282,000 | 3,842 |
| Pre-tax net operating income | $186,000 | 6,007 |
| Securities gains (losses) | $119,000 | 906 |
| Applicable income taxes | $109,000 | 3,790 |
| Income before extraordinary items | $196,000 | 5,386 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $196,000 | 5,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $119,840 | 6,395 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,707,000 | 5,378 |
| Total interest expense | $2,967,000 | 3,567 |
| Net interest income | $1,740,000 | 7,054 |
| Provision for loan and lease losses | $216,000 | 4,206 |
| Total noninterest income | $581,000 | 4,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $581,000 | 3,024 |
| Total noninterest expense | $2,554,000 | 5,014 |
| Salaries and employee benefits | $1,051,000 | 5,949 |
| Premises and equipment expense | $458,000 | 4,217 |
| Additional noninterest expense | $1,045,000 | 4,027 |
| Pre-tax net operating income | $-449,000 | 8,956 |
| Securities gains (losses) | $265,000 | 985 |
| Applicable income taxes | $-144,000 | 9,101 |
| Income before extraordinary items | $-40,000 | 8,782 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-40,000 | 8,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,809 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-209,600 | 8,859 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,923,000 | 5,663 |
| Total interest expense | $3,499,000 | 4,210 |
| Net interest income | $1,424,000 | 7,459 |
| Provision for loan and lease losses | $652,000 | 1,777 |
| Total noninterest income | $622,000 | 4,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $622,000 | 2,769 |
| Total noninterest expense | $2,515,000 | 4,923 |
| Salaries and employee benefits | $1,212,000 | 5,281 |
| Premises and equipment expense | $456,000 | 4,192 |
| Additional noninterest expense | $847,000 | 4,610 |
| Pre-tax net operating income | $-1,121,000 | 9,386 |
| Securities gains (losses) | $449,000 | 652 |
| Applicable income taxes | $-320,000 | 9,435 |
| Income before extraordinary items | $-352,000 | 9,156 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-352,000 | 9,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,005,000 | 938 |
| Cash dividends | $250,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-639,360 | 9,262 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,632,000 | 5,995 |
| Total interest expense | $2,924,000 | 5,027 |
| Net interest income | $1,708,000 | 7,102 |
| Provision for loan and lease losses | $33,000 | 7,143 |
| Total noninterest income | $785,000 | 3,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $785,000 | 2,174 |
| Total noninterest expense | $2,354,000 | 5,065 |
| Salaries and employee benefits | $1,079,000 | 5,627 |
| Premises and equipment expense | $417,000 | 4,373 |
| Additional noninterest expense | $858,000 | 4,506 |
| Pre-tax net operating income | $106,000 | 8,778 |
| Securities gains (losses) | $88,000 | 594 |
| Applicable income taxes | $48,000 | 7,270 |
| Income before extraordinary items | $146,000 | 8,438 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $146,000 | 8,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 9,264 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $80,000 | 8,815 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,627,000 | 5,839 |
| Total interest expense | $2,966,000 | 4,651 |
| Net interest income | $1,661,000 | 7,262 |
| Provision for loan and lease losses | $318,000 | 2,534 |
| Total noninterest income | $484,000 | 5,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $484,000 | 3,014 |
| Total noninterest expense | $2,044,000 | 5,612 |
| Salaries and employee benefits | $963,000 | 6,031 |
| Premises and equipment expense | $403,000 | 4,509 |
| Additional noninterest expense | $678,000 | 5,367 |
| Pre-tax net operating income | $-217,000 | 9,649 |
| Securities gains (losses) | $-85,000 | 9,925 |
| Applicable income taxes | $-152,000 | 9,986 |
| Income before extraordinary items | $-150,000 | 9,627 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-150,000 | 9,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,156 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-95,600 | 9,545 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,301,000 | 6,221 |
| Total interest expense | $2,703,000 | 5,095 |
| Net interest income | $1,598,000 | 7,479 |
| Provision for loan and lease losses | $79,000 | 5,632 |
| Total noninterest income | $363,000 | 5,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $363,000 | 3,629 |
| Total noninterest expense | $2,124,000 | 5,355 |
| Salaries and employee benefits | $913,000 | 6,145 |
| Premises and equipment expense | $397,000 | 4,444 |
| Additional noninterest expense | $814,000 | 4,621 |
| Pre-tax net operating income | $-242,000 | 10,027 |
| Securities gains (losses) | $294,000 | 753 |
| Applicable income taxes | $24,000 | 8,804 |
| Income before extraordinary items | $28,000 | 9,728 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $28,000 | 9,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,910 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-160,160 | 9,983 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,936,000 | 5,854 |
| Total interest expense | $3,108,000 | 4,567 |
| Net interest income | $1,828,000 | 7,258 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $286,000 | 6,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $286,000 | 4,041 |
| Total noninterest expense | $1,717,000 | 6,246 |
| Salaries and employee benefits | $823,000 | 6,671 |
| Premises and equipment expense | $323,000 | 5,191 |
| Additional noninterest expense | $571,000 | 5,984 |
| Pre-tax net operating income | $327,000 | 8,841 |
| Securities gains (losses) | $251,000 | 621 |
| Applicable income taxes | $223,000 | 6,590 |
| Income before extraordinary items | $355,000 | 7,958 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $355,000 | 7,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,790 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $194,360 | 9,164 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,236,000 | 5,737 |
| Total interest expense | $3,256,000 | 4,452 |
| Net interest income | $1,980,000 | 7,189 |
| Provision for loan and lease losses | $127,000 | 4,469 |
| Total noninterest income | $237,000 | 7,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $237,000 | 4,689 |
| Total noninterest expense | $2,106,000 | 5,728 |
| Salaries and employee benefits | $817,000 | 6,902 |
| Premises and equipment expense | $324,000 | 5,293 |
| Additional noninterest expense | $965,000 | 4,538 |
| Pre-tax net operating income | $-16,000 | 10,838 |
| Securities gains (losses) | $422,000 | 451 |
| Applicable income taxes | $143,000 | 7,982 |
| Income before extraordinary items | $263,000 | 8,721 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $263,000 | 8,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-11,300 | 10,804 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,699,000 | 6,242 |
| Total interest expense | $2,923,000 | 4,872 |
| Net interest income | $1,776,000 | 7,832 |
| Provision for loan and lease losses | $11,000 | 8,279 |
| Total noninterest income | $240,000 | 7,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $240,000 | 4,595 |
| Total noninterest expense | $1,913,000 | 6,197 |
| Salaries and employee benefits | $935,000 | 6,375 |
| Premises and equipment expense | $342,000 | 5,108 |
| Additional noninterest expense | $636,000 | 6,291 |
| Pre-tax net operating income | $92,000 | 11,128 |
| Securities gains (losses) | $282,000 | 542 |
| Applicable income taxes | $148,000 | 8,300 |
| Income before extraordinary items | $226,000 | 9,648 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $226,000 | 9,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,966 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $45,520 | 11,276 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,294,000 | 6,361 |
| Total interest expense | $2,360,000 | 4,878 |
| Net interest income | $1,934,000 | 7,719 |
| Provision for loan and lease losses | $201,000 | 2,998 |
| Total noninterest income | $188,000 | 8,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $188,000 | 5,477 |
| Total noninterest expense | $1,777,000 | 6,755 |
| Salaries and employee benefits | $936,000 | 6,431 |
| Premises and equipment expense | $297,000 | 5,766 |
| Additional noninterest expense | $544,000 | 7,479 |
| Pre-tax net operating income | $144,000 | 11,317 |
| Securities gains (losses) | $258,000 | 424 |
| Applicable income taxes | $156,000 | 8,187 |
| Income before extraordinary items | $246,000 | 9,738 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $246,000 | 9,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $80,880 | 11,607 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 6,497 |
| Total interest expense | $2,227,000 | 5,325 |
| Net interest income | $2,099,000 | 7,427 |
| Provision for loan and lease losses | $39,000 | 8,009 |
| Total noninterest income | $207,000 | 9,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $207,000 | 5,557 |
| Total noninterest expense | $1,416,000 | 8,119 |
| Salaries and employee benefits | $700,000 | 7,999 |
| Premises and equipment expense | $280,000 | 6,181 |
| Additional noninterest expense | $436,000 | 8,865 |
| Pre-tax net operating income | $851,000 | 6,571 |
| Securities gains (losses) | $202,000 | 1,681 |
| Applicable income taxes | $279,000 | 6,349 |
| Income before extraordinary items | $774,000 | 5,708 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $774,000 | 5,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $624,520 | 6,359 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,288,000 | 7,143 |
| Total interest expense | $2,553,000 | 5,890 |
| Net interest income | $1,735,000 | 8,544 |
| Provision for loan and lease losses | $55,000 | 8,828 |
| Total noninterest income | $202,000 | 9,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $202,000 | 5,639 |
| Total noninterest expense | $1,345,000 | 8,497 |
| Salaries and employee benefits | $649,000 | 8,390 |
| Premises and equipment expense | $274,000 | 6,379 |
| Additional noninterest expense | $422,000 | 9,304 |
| Pre-tax net operating income | $537,000 | 8,163 |
| Securities gains (losses) | $134,000 | 2,556 |
| Applicable income taxes | $3,000 | 12,573 |
| Income before extraordinary items | $668,000 | 6,117 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $668,000 | 6,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 8,252 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $534,000 | 6,679 |
* 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.