Home > AmericaUnited Bank and Trust Company USA > Income and Expense
AmericaUnited Bank and Trust Company USA, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,072,000 | 2,326 |
| Total interest expense | $1,505,000 | 2,864 |
| Net interest income | $7,567,000 | 2,171 |
| Provision for loan and lease losses | $2,020,000 | 1,229 |
| Total noninterest income | $500,000 | 3,873 |
| Gross Fiduciary activities income | $9,000 | 1,050 |
| Service charges on deposit accounts | $439,000 | 2,293 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $52,000 | 5,751 |
| Total noninterest expense | $7,341,000 | 1,961 |
| Salaries and employee benefits | $2,688,000 | 2,693 |
| Premises and equipment expense | $872,000 | 2,135 |
| Additional noninterest expense | $3,781,000 | 1,366 |
| Pre-tax net operating income | $-1,294,000 | 6,870 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-183,000 | 7,077 |
| Income before extraordinary items | $-1,111,000 | 6,891 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,111,000 | 6,893 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,111,000 | 6,892 |
| Net charge-offs | $3,772,000 | 784 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,111,000 | 6,855 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,100,000 | 2,334 |
| Total interest expense | $1,097,000 | 2,760 |
| Net interest income | $5,003,000 | 2,191 |
| Provision for loan and lease losses | $1,520,000 | 1,104 |
| Total noninterest income | $536,000 | 2,992 |
| Gross Fiduciary activities income | $5,000 | 1,073 |
| Service charges on deposit accounts | $288,000 | 2,295 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $243,000 | 3,191 |
| Total noninterest expense | $4,911,000 | 1,964 |
| Salaries and employee benefits | $1,791,000 | 2,704 |
| Premises and equipment expense | $595,000 | 2,127 |
| Additional noninterest expense | $2,525,000 | 1,387 |
| Pre-tax net operating income | $-892,000 | 6,946 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-183,000 | 7,202 |
| Income before extraordinary items | $-709,000 | 6,935 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-709,000 | 6,934 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-709,000 | 6,935 |
| Net charge-offs | $2,852,000 | 718 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-709,000 | 6,918 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,069,000 | 2,338 |
| Total interest expense | $597,000 | 2,653 |
| Net interest income | $2,472,000 | 2,210 |
| Provision for loan and lease losses | $1,520,000 | 631 |
| Total noninterest income | $263,000 | 3,059 |
| Gross Fiduciary activities income | $2,000 | 1,085 |
| Service charges on deposit accounts | $144,000 | 2,264 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $117,000 | 3,308 |
| Total noninterest expense | $2,297,000 | 2,105 |
| Salaries and employee benefits | $901,000 | 2,694 |
| Premises and equipment expense | $310,000 | 2,061 |
| Additional noninterest expense | $1,086,000 | 1,595 |
| Pre-tax net operating income | $-1,082,000 | 7,293 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,082,000 | 7,306 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,082,000 | 7,306 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,082,000 | 7,307 |
| Net charge-offs | $2,645,000 | 447 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,082,000 | 7,308 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,128,000 | 2,135 |
| Total interest expense | $3,241,000 | 2,427 |
| Net interest income | $10,887,000 | 2,005 |
| Provision for loan and lease losses | $4,929,000 | 1,159 |
| Total noninterest income | $803,000 | 3,647 |
| Gross Fiduciary activities income | $11,000 | 1,137 |
| Service charges on deposit accounts | $698,000 | 2,044 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $94,000 | 5,502 |
| Total noninterest expense | $8,716,000 | 2,225 |
| Salaries and employee benefits | $3,570,000 | 2,674 |
| Premises and equipment expense | $1,167,000 | 2,159 |
| Additional noninterest expense | $3,979,000 | 1,818 |
| Pre-tax net operating income | $-1,955,000 | 6,763 |
| Securities gains (losses) | $614,000 | 745 |
| Applicable income taxes | $-52,000 | 6,723 |
| Income before extraordinary items | $-1,289,000 | 6,686 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,289,000 | 6,686 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,289,000 | 6,687 |
| Net charge-offs | $6,048,000 | 877 |
| Cash dividends | $400,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,878,440 | 6,803 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,727,000 | 2,153 |
| Total interest expense | $2,527,000 | 2,446 |
| Net interest income | $8,200,000 | 2,018 |
| Provision for loan and lease losses | $4,336,000 | 982 |
| Total noninterest income | $538,000 | 3,924 |
| Gross Fiduciary activities income | $9,000 | 1,113 |
| Service charges on deposit accounts | $535,000 | 2,071 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-6,000 | 7,210 |
| Total noninterest expense | $6,517,000 | 2,224 |
| Salaries and employee benefits | $2,711,000 | 2,653 |
| Premises and equipment expense | $873,000 | 2,200 |
| Additional noninterest expense | $2,933,000 | 1,809 |
| Pre-tax net operating income | $-2,115,000 | 7,087 |
| Securities gains (losses) | $-23,000 | 7,273 |
| Applicable income taxes | $-55,000 | 6,990 |
| Income before extraordinary items | $-2,083,000 | 7,148 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,083,000 | 7,146 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,083,000 | 7,148 |
| Net charge-offs | $5,819,000 | 698 |
| Cash dividends | $400,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,060,690 | 7,122 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,249,000 | 2,150 |
| Total interest expense | $1,727,000 | 2,479 |
| Net interest income | $5,522,000 | 2,007 |
| Provision for loan and lease losses | $3,693,000 | 808 |
| Total noninterest income | $216,000 | 4,891 |
| Gross Fiduciary activities income | $5,000 | 1,142 |
| Service charges on deposit accounts | $361,000 | 2,048 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-150,000 | 7,575 |
| Total noninterest expense | $4,156,000 | 2,328 |
| Salaries and employee benefits | $1,810,000 | 2,667 |
| Premises and equipment expense | $587,000 | 2,195 |
| Additional noninterest expense | $1,759,000 | 1,961 |
| Pre-tax net operating income | $-2,111,000 | 7,291 |
| Securities gains (losses) | $-22,000 | 7,373 |
| Applicable income taxes | $4,000 | 4,358 |
| Income before extraordinary items | $-2,137,000 | 7,354 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,137,000 | 7,354 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,137,000 | 7,354 |
| Net charge-offs | $5,604,000 | 530 |
| Cash dividends | $400,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,115,000 | 7,345 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 2,098 |
| Total interest expense | $909,000 | 2,474 |
| Net interest income | $2,890,000 | 1,962 |
| Provision for loan and lease losses | $3,000 | 6,435 |
| Total noninterest income | $298,000 | 2,877 |
| Gross Fiduciary activities income | $2,000 | 1,137 |
| Service charges on deposit accounts | $185,000 | 2,008 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $111,000 | 3,320 |
| Total noninterest expense | $2,076,000 | 2,350 |
| Salaries and employee benefits | $909,000 | 2,696 |
| Premises and equipment expense | $299,000 | 2,204 |
| Additional noninterest expense | $868,000 | 1,959 |
| Pre-tax net operating income | $1,109,000 | 1,175 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $4,000 | 4,179 |
| Income before extraordinary items | $1,105,000 | 992 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,105,000 | 995 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,105,000 | 996 |
| Net charge-offs | $702,000 | 1,327 |
| Cash dividends | $400,000 | 835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,105,000 | 965 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,906,000 | 2,007 |
| Total interest expense | $4,016,000 | 2,725 |
| Net interest income | $12,890,000 | 1,729 |
| Provision for loan and lease losses | $8,091,000 | 1,020 |
| Total noninterest income | $1,236,000 | 2,914 |
| Gross Fiduciary activities income | $11,000 | 1,169 |
| Service charges on deposit accounts | $783,000 | 2,076 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $442,000 | 3,400 |
| Total noninterest expense | $18,273,000 | 1,138 |
| Salaries and employee benefits | $4,256,000 | 2,308 |
| Premises and equipment expense | $1,185,000 | 2,243 |
| Additional noninterest expense | $12,832,000 | 632 |
| Pre-tax net operating income | $-12,238,000 | 7,566 |
| Securities gains (losses) | $60,000 | 2,515 |
| Applicable income taxes | $3,000 | 4,116 |
| Income before extraordinary items | $-12,181,000 | 7,614 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-12,181,000 | 7,614 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-12,181,000 | 7,614 |
| Net charge-offs | $4,341,000 | 1,271 |
| Cash dividends | $1,429,000 | 1,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-12,241,000 | 7,622 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,928,000 | 2,001 |
| Total interest expense | $3,016,000 | 2,852 |
| Net interest income | $9,912,000 | 1,694 |
| Provision for loan and lease losses | $3,376,000 | 1,373 |
| Total noninterest income | $966,000 | 2,881 |
| Gross Fiduciary activities income | $9,000 | 1,132 |
| Service charges on deposit accounts | $573,000 | 2,117 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $384,000 | 3,252 |
| Total noninterest expense | $6,563,000 | 2,265 |
| Salaries and employee benefits | $3,302,000 | 2,261 |
| Premises and equipment expense | $937,000 | 2,147 |
| Additional noninterest expense | $2,324,000 | 2,247 |
| Pre-tax net operating income | $939,000 | 2,844 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-30,000 | 6,750 |
| Income before extraordinary items | $969,000 | 2,531 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $969,000 | 2,529 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $969,000 | 2,532 |
| Net charge-offs | $1,385,000 | 1,845 |
| Cash dividends | $1,069,000 | 1,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $969,000 | 2,484 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,698,000 | 2,017 |
| Total interest expense | $2,004,000 | 2,958 |
| Net interest income | $6,694,000 | 1,677 |
| Provision for loan and lease losses | $2,973,000 | 1,093 |
| Total noninterest income | $639,000 | 2,918 |
| Gross Fiduciary activities income | $6,000 | 1,146 |
| Service charges on deposit accounts | $375,000 | 2,130 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $258,000 | 3,250 |
| Total noninterest expense | $4,507,000 | 2,228 |
| Salaries and employee benefits | $2,386,000 | 2,113 |
| Premises and equipment expense | $641,000 | 2,129 |
| Additional noninterest expense | $1,480,000 | 2,365 |
| Pre-tax net operating income | $-147,000 | 6,181 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-45,000 | 6,993 |
| Income before extraordinary items | $-102,000 | 6,194 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-102,000 | 6,193 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-102,000 | 6,193 |
| Net charge-offs | $1,295,000 | 1,445 |
| Cash dividends | $837,000 | 1,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-102,000 | 6,157 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,419,000 | 2,009 |
| Total interest expense | $1,053,000 | 2,935 |
| Net interest income | $3,366,000 | 1,661 |
| Provision for loan and lease losses | $1,380,000 | 978 |
| Total noninterest income | $301,000 | 3,014 |
| Gross Fiduciary activities income | $3,000 | 1,122 |
| Service charges on deposit accounts | $184,000 | 2,105 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $114,000 | 3,441 |
| Total noninterest expense | $2,283,000 | 2,163 |
| Salaries and employee benefits | $1,272,000 | 2,019 |
| Premises and equipment expense | $338,000 | 2,065 |
| Additional noninterest expense | $673,000 | 2,304 |
| Pre-tax net operating income | $4,000 | 6,184 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-68,000 | 7,487 |
| Income before extraordinary items | $72,000 | 5,354 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $72,000 | 5,359 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $72,000 | 5,358 |
| Net charge-offs | $725,000 | 1,135 |
| Cash dividends | $755,000 | 600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $72,000 | 5,179 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $20,464,000 | 1,871 |
| Total interest expense | $7,199,000 | 2,150 |
| Net interest income | $13,265,000 | 1,672 |
| Provision for loan and lease losses | $5,643,000 | 923 |
| Total noninterest income | $1,089,000 | 3,237 |
| Gross Fiduciary activities income | $13,000 | 1,184 |
| Service charges on deposit accounts | $619,000 | 2,592 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $457,000 | 3,345 |
| Total noninterest expense | $8,779,000 | 2,179 |
| Salaries and employee benefits | $4,986,000 | 2,038 |
| Premises and equipment expense | $1,357,000 | 2,014 |
| Additional noninterest expense | $2,436,000 | 2,401 |
| Pre-tax net operating income | $-68,000 | 6,424 |
| Securities gains (losses) | $165,000 | 812 |
| Applicable income taxes | $16,000 | 4,367 |
| Income before extraordinary items | $81,000 | 5,927 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $81,000 | 5,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,788,000 | 1,391 |
| Cash dividends | $2,537,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-57,600 | 6,459 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,783,000 | 1,855 |
| Total interest expense | $5,782,000 | 2,107 |
| Net interest income | $10,001,000 | 1,677 |
| Provision for loan and lease losses | $2,510,000 | 1,018 |
| Total noninterest income | $794,000 | 3,354 |
| Gross Fiduciary activities income | $11,000 | 1,141 |
| Service charges on deposit accounts | $448,000 | 2,676 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $335,000 | 3,494 |
| Total noninterest expense | $6,629,000 | 2,164 |
| Salaries and employee benefits | $3,911,000 | 1,970 |
| Premises and equipment expense | $1,019,000 | 2,011 |
| Additional noninterest expense | $1,699,000 | 2,491 |
| Pre-tax net operating income | $1,656,000 | 2,642 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-74,000 | 7,496 |
| Income before extraordinary items | $1,730,000 | 2,034 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,730,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,928 |
| Cash dividends | $2,018,000 | 1,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,730,000 | 2,133 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,664,000 | 1,866 |
| Total interest expense | $4,092,000 | 2,085 |
| Net interest income | $6,572,000 | 1,704 |
| Provision for loan and lease losses | $400,000 | 2,155 |
| Total noninterest income | $525,000 | 3,411 |
| Gross Fiduciary activities income | $7,000 | 1,174 |
| Service charges on deposit accounts | $293,000 | 2,687 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $225,000 | 3,538 |
| Total noninterest expense | $4,386,000 | 2,185 |
| Salaries and employee benefits | $2,612,000 | 1,990 |
| Premises and equipment expense | $685,000 | 1,978 |
| Additional noninterest expense | $1,089,000 | 2,546 |
| Pre-tax net operating income | $2,311,000 | 1,485 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-62,000 | 7,784 |
| Income before extraordinary items | $2,373,000 | 1,164 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,373,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $385,000 | 1,540 |
| Cash dividends | $1,018,000 | 1,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,373,000 | 1,145 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,547,000 | 1,853 |
| Total interest expense | $2,250,000 | 2,043 |
| Net interest income | $3,297,000 | 1,691 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $258,000 | 3,445 |
| Gross Fiduciary activities income | $4,000 | 1,139 |
| Service charges on deposit accounts | $145,000 | 2,698 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $109,000 | 3,609 |
| Total noninterest expense | $2,294,000 | 2,092 |
| Salaries and employee benefits | $1,345,000 | 1,956 |
| Premises and equipment expense | $351,000 | 1,942 |
| Additional noninterest expense | $598,000 | 2,316 |
| Pre-tax net operating income | $961,000 | 1,847 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-82,000 | 8,095 |
| Income before extraordinary items | $1,043,000 | 1,438 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,043,000 | 1,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,413 |
| Cash dividends | $388,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,043,000 | 1,390 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,579,000 | 2,460 |
| Total interest expense | $7,533,000 | 2,451 |
| Net interest income | $9,046,000 | 2,434 |
| Provision for loan and lease losses | $2,000 | 6,808 |
| Total noninterest income | $638,000 | 4,508 |
| Gross Fiduciary activities income | $16,000 | 1,187 |
| Service charges on deposit accounts | $325,000 | 3,933 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $297,000 | 4,265 |
| Total noninterest expense | $6,119,000 | 2,918 |
| Salaries and employee benefits | $3,703,000 | 2,668 |
| Premises and equipment expense | $933,000 | 2,720 |
| Additional noninterest expense | $1,483,000 | 3,447 |
| Pre-tax net operating income | $3,563,000 | 2,168 |
| Securities gains (losses) | $-148,000 | 8,218 |
| Applicable income taxes | $1,187,000 | 1,661 |
| Income before extraordinary items | $2,228,000 | 2,604 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,228,000 | 2,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 2,173 |
| Cash dividends | $860,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $26,136,000 | 50 |
| Net operating income | $2,324,200 | 2,513 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,405,000 | 2,646 |
| Total interest expense | $5,293,000 | 2,595 |
| Net interest income | $6,112,000 | 2,689 |
| Provision for loan and lease losses | $2,000 | 6,474 |
| Total noninterest income | $425,000 | 4,777 |
| Gross Fiduciary activities income | $14,000 | 1,135 |
| Service charges on deposit accounts | $215,000 | 4,191 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $196,000 | 4,520 |
| Total noninterest expense | $4,127,000 | 3,166 |
| Salaries and employee benefits | $2,560,000 | 2,850 |
| Premises and equipment expense | $707,000 | 2,689 |
| Additional noninterest expense | $860,000 | 4,155 |
| Pre-tax net operating income | $2,408,000 | 2,503 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $838,000 | 1,844 |
| Income before extraordinary items | $1,570,000 | 2,873 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,570,000 | 2,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,368 |
| Cash dividends | $645,000 | 2,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,570,000 | 2,859 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,573,000 | 2,673 |
| Total interest expense | $3,493,000 | 2,625 |
| Net interest income | $4,080,000 | 2,703 |
| Provision for loan and lease losses | $2,000 | 6,135 |
| Total noninterest income | $279,000 | 4,827 |
| Gross Fiduciary activities income | $10,000 | 1,140 |
| Service charges on deposit accounts | $140,000 | 4,239 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $129,000 | 4,601 |
| Total noninterest expense | $2,738,000 | 3,208 |
| Salaries and employee benefits | $1,693,000 | 2,915 |
| Premises and equipment expense | $483,000 | 2,662 |
| Additional noninterest expense | $562,000 | 4,212 |
| Pre-tax net operating income | $1,619,000 | 2,549 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $573,000 | 1,896 |
| Income before extraordinary items | $1,046,000 | 2,937 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,046,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 950 |
| Cash dividends | $430,000 | 2,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,046,000 | 2,923 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,761,000 | 2,686 |
| Total interest expense | $1,754,000 | 2,603 |
| Net interest income | $2,007,000 | 2,745 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $137,000 | 4,832 |
| Gross Fiduciary activities income | $3,000 | 1,184 |
| Service charges on deposit accounts | $71,000 | 4,138 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $63,000 | 4,645 |
| Total noninterest expense | $1,374,000 | 3,198 |
| Salaries and employee benefits | $846,000 | 2,930 |
| Premises and equipment expense | $248,000 | 2,603 |
| Additional noninterest expense | $280,000 | 4,164 |
| Pre-tax net operating income | $769,000 | 2,626 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $261,000 | 2,030 |
| Income before extraordinary items | $508,000 | 2,997 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $508,000 | 2,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 536 |
| Cash dividends | $215,000 | 2,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $508,000 | 2,980 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,557,000 | 2,781 |
| Total interest expense | $5,522,000 | 2,789 |
| Net interest income | $8,035,000 | 2,744 |
| Provision for loan and lease losses | $29,000 | 6,079 |
| Total noninterest income | $593,000 | 4,765 |
| Gross Fiduciary activities income | $18,000 | 1,190 |
| Service charges on deposit accounts | $319,000 | 3,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $256,000 | 4,607 |
| Total noninterest expense | $5,585,000 | 3,048 |
| Salaries and employee benefits | $3,208,000 | 2,947 |
| Premises and equipment expense | $962,000 | 2,564 |
| Additional noninterest expense | $1,415,000 | 3,455 |
| Pre-tax net operating income | $3,014,000 | 2,768 |
| Securities gains (losses) | $-46,000 | 7,912 |
| Applicable income taxes | $1,001,000 | 2,196 |
| Income before extraordinary items | $1,967,000 | 3,136 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,967,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,539 |
| Cash dividends | $980,000 | 2,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,997,360 | 3,097 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,848,000 | 2,833 |
| Total interest expense | $3,822,000 | 2,897 |
| Net interest income | $6,026,000 | 2,772 |
| Provision for loan and lease losses | $1,000 | 6,666 |
| Total noninterest income | $456,000 | 4,727 |
| Gross Fiduciary activities income | $15,000 | 1,144 |
| Service charges on deposit accounts | $248,000 | 3,961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,599 |
| Total noninterest expense | $4,286,000 | 2,982 |
| Salaries and employee benefits | $2,404,000 | 2,945 |
| Premises and equipment expense | $718,000 | 2,577 |
| Additional noninterest expense | $1,164,000 | 3,216 |
| Pre-tax net operating income | $2,195,000 | 2,933 |
| Securities gains (losses) | $-46,000 | 8,153 |
| Applicable income taxes | $727,000 | 2,337 |
| Income before extraordinary items | $1,422,000 | 3,321 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,422,000 | 3,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,008 |
| Cash dividends | $660,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,452,360 | 3,265 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,349,000 | 2,886 |
| Total interest expense | $2,373,000 | 2,953 |
| Net interest income | $3,976,000 | 2,800 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $301,000 | 4,733 |
| Gross Fiduciary activities income | $10,000 | 1,166 |
| Service charges on deposit accounts | $161,000 | 3,996 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 4,581 |
| Total noninterest expense | $2,738,000 | 3,104 |
| Salaries and employee benefits | $1,617,000 | 2,924 |
| Premises and equipment expense | $491,000 | 2,512 |
| Additional noninterest expense | $630,000 | 3,771 |
| Pre-tax net operating income | $1,539,000 | 2,839 |
| Securities gains (losses) | $-46,000 | 8,350 |
| Applicable income taxes | $504,000 | 2,300 |
| Income before extraordinary items | $989,000 | 3,239 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $989,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,489 |
| Cash dividends | $440,000 | 2,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,019,360 | 3,154 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,064,000 | 2,915 |
| Total interest expense | $1,075,000 | 3,069 |
| Net interest income | $1,989,000 | 2,792 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $145,000 | 4,759 |
| Gross Fiduciary activities income | $5,000 | 1,164 |
| Service charges on deposit accounts | $76,000 | 4,048 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $1,396,000 | 3,070 |
| Salaries and employee benefits | $827,000 | 2,883 |
| Premises and equipment expense | $257,000 | 2,420 |
| Additional noninterest expense | $312,000 | 3,792 |
| Pre-tax net operating income | $738,000 | 2,868 |
| Securities gains (losses) | $-46,000 | 8,552 |
| Applicable income taxes | $233,000 | 2,381 |
| Income before extraordinary items | $459,000 | 3,367 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $220,000 | 2,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $489,360 | 3,192 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,792,000 | 2,948 |
| Total interest expense | $3,302,000 | 3,082 |
| Net interest income | $7,490,000 | 2,863 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $672,000 | 4,496 |
| Gross Fiduciary activities income | $21,000 | 1,175 |
| Service charges on deposit accounts | $394,000 | 3,587 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $257,000 | 4,671 |
| Total noninterest expense | $5,020,000 | 3,229 |
| Salaries and employee benefits | $3,084,000 | 2,906 |
| Premises and equipment expense | $698,000 | 3,238 |
| Additional noninterest expense | $1,238,000 | 3,774 |
| Pre-tax net operating income | $3,142,000 | 2,656 |
| Securities gains (losses) | $16,000 | 1,323 |
| Applicable income taxes | $1,067,000 | 2,177 |
| Income before extraordinary items | $2,091,000 | 2,985 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,091,000 | 2,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,450 |
| Cash dividends | $900,000 | 2,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,080,440 | 2,962 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,893,000 | 2,963 |
| Total interest expense | $2,376,000 | 3,050 |
| Net interest income | $5,517,000 | 2,899 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $522,000 | 4,424 |
| Gross Fiduciary activities income | $17,000 | 1,145 |
| Service charges on deposit accounts | $311,000 | 3,477 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $194,000 | 4,664 |
| Total noninterest expense | $3,664,000 | 3,272 |
| Salaries and employee benefits | $2,282,000 | 2,898 |
| Premises and equipment expense | $484,000 | 3,429 |
| Additional noninterest expense | $898,000 | 3,812 |
| Pre-tax net operating income | $2,375,000 | 2,678 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $806,000 | 2,194 |
| Income before extraordinary items | $1,575,000 | 3,015 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,575,000 | 3,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,452 |
| Cash dividends | $680,000 | 2,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,571,040 | 2,983 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,123,000 | 2,974 |
| Total interest expense | $1,522,000 | 3,007 |
| Net interest income | $3,601,000 | 2,926 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $364,000 | 4,274 |
| Gross Fiduciary activities income | $10,000 | 1,165 |
| Service charges on deposit accounts | $222,000 | 3,268 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $132,000 | 4,592 |
| Total noninterest expense | $2,420,000 | 3,281 |
| Salaries and employee benefits | $1,504,000 | 2,923 |
| Premises and equipment expense | $307,000 | 3,552 |
| Additional noninterest expense | $609,000 | 3,755 |
| Pre-tax net operating income | $1,545,000 | 2,692 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $525,000 | 2,201 |
| Income before extraordinary items | $1,020,000 | 3,043 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,020,000 | 3,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,472 |
| Cash dividends | $460,000 | 2,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,020,000 | 2,998 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,501,000 | 2,990 |
| Total interest expense | $698,000 | 3,122 |
| Net interest income | $1,803,000 | 2,908 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $190,000 | 4,107 |
| Gross Fiduciary activities income | $5,000 | 1,162 |
| Service charges on deposit accounts | $121,000 | 3,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,644 |
| Total noninterest expense | $1,222,000 | 3,274 |
| Salaries and employee benefits | $748,000 | 2,936 |
| Premises and equipment expense | $160,000 | 3,459 |
| Additional noninterest expense | $314,000 | 3,666 |
| Pre-tax net operating income | $771,000 | 2,648 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $277,000 | 2,103 |
| Income before extraordinary items | $494,000 | 3,077 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $494,000 | 3,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,721 |
| Cash dividends | $240,000 | 2,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $494,000 | 3,036 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,203,000 | 2,780 |
| Total interest expense | $2,879,000 | 2,717 |
| Net interest income | $7,324,000 | 2,763 |
| Provision for loan and lease losses | $15,000 | 6,861 |
| Total noninterest income | $891,000 | 3,805 |
| Gross Fiduciary activities income | $21,000 | 1,193 |
| Service charges on deposit accounts | $553,000 | 2,905 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $317,000 | 4,166 |
| Total noninterest expense | $4,439,000 | 3,456 |
| Salaries and employee benefits | $2,690,000 | 3,153 |
| Premises and equipment expense | $618,000 | 3,452 |
| Additional noninterest expense | $1,131,000 | 3,931 |
| Pre-tax net operating income | $3,761,000 | 2,155 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $1,293,000 | 1,803 |
| Income before extraordinary items | $2,470,000 | 2,448 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,470,000 | 2,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 2,025 |
| Cash dividends | $720,000 | 2,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,468,680 | 2,393 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,569,000 | 2,773 |
| Total interest expense | $2,153,000 | 2,684 |
| Net interest income | $5,416,000 | 2,772 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $694,000 | 3,757 |
| Gross Fiduciary activities income | $17,000 | 1,162 |
| Service charges on deposit accounts | $427,000 | 2,840 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $250,000 | 4,065 |
| Total noninterest expense | $3,380,000 | 3,379 |
| Salaries and employee benefits | $2,054,000 | 3,063 |
| Premises and equipment expense | $484,000 | 3,340 |
| Additional noninterest expense | $842,000 | 3,927 |
| Pre-tax net operating income | $2,715,000 | 2,235 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $930,000 | 1,892 |
| Income before extraordinary items | $1,785,000 | 2,578 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,785,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,054 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,785,000 | 2,503 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,986,000 | 2,794 |
| Total interest expense | $1,420,000 | 2,692 |
| Net interest income | $3,566,000 | 2,796 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $491,000 | 3,616 |
| Gross Fiduciary activities income | $10,000 | 1,191 |
| Service charges on deposit accounts | $307,000 | 2,662 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $174,000 | 4,024 |
| Total noninterest expense | $2,270,000 | 3,396 |
| Salaries and employee benefits | $1,390,000 | 3,038 |
| Premises and equipment expense | $335,000 | 3,246 |
| Additional noninterest expense | $545,000 | 4,043 |
| Pre-tax net operating income | $1,772,000 | 2,259 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $605,000 | 1,917 |
| Income before extraordinary items | $1,167,000 | 2,584 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,167,000 | 2,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $350,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,167,000 | 2,520 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 2,844 |
| Total interest expense | $697,000 | 2,758 |
| Net interest income | $1,758,000 | 2,835 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $292,000 | 3,171 |
| Gross Fiduciary activities income | $4,000 | 1,216 |
| Service charges on deposit accounts | $171,000 | 2,391 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $117,000 | 3,389 |
| Total noninterest expense | $1,146,000 | 3,354 |
| Salaries and employee benefits | $708,000 | 3,004 |
| Premises and equipment expense | $176,000 | 3,144 |
| Additional noninterest expense | $262,000 | 4,155 |
| Pre-tax net operating income | $889,000 | 2,229 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $304,000 | 1,911 |
| Income before extraordinary items | $585,000 | 2,565 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $585,000 | 2,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $585,000 | 2,475 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,477,000 | 2,980 |
| Total interest expense | $3,084,000 | 2,795 |
| Net interest income | $6,393,000 | 3,008 |
| Provision for loan and lease losses | $488,000 | 2,212 |
| Total noninterest income | $1,616,000 | 2,681 |
| Gross Fiduciary activities income | $28,000 | 1,188 |
| Service charges on deposit accounts | $598,000 | 2,694 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $990,000 | 2,405 |
| Total noninterest expense | $4,274,000 | 3,505 |
| Salaries and employee benefits | $2,499,000 | 3,273 |
| Premises and equipment expense | $675,000 | 3,183 |
| Additional noninterest expense | $1,100,000 | 3,976 |
| Pre-tax net operating income | $3,247,000 | 2,346 |
| Securities gains (losses) | $117,000 | 1,751 |
| Applicable income taxes | $1,197,000 | 1,941 |
| Income before extraordinary items | $2,167,000 | 2,694 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,167,000 | 2,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $490,000 | 3,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,092,120 | 2,638 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,315,000 | 2,937 |
| Total interest expense | $2,422,000 | 2,769 |
| Net interest income | $4,893,000 | 2,953 |
| Provision for loan and lease losses | $488,000 | 1,701 |
| Total noninterest income | $1,395,000 | 2,480 |
| Gross Fiduciary activities income | $23,000 | 1,161 |
| Service charges on deposit accounts | $435,000 | 2,769 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $937,000 | 2,145 |
| Total noninterest expense | $3,181,000 | 3,517 |
| Salaries and employee benefits | $1,822,000 | 3,343 |
| Premises and equipment expense | $539,000 | 3,024 |
| Additional noninterest expense | $820,000 | 3,988 |
| Pre-tax net operating income | $2,619,000 | 2,287 |
| Securities gains (losses) | $112,000 | 1,654 |
| Applicable income taxes | $978,000 | 1,889 |
| Income before extraordinary items | $1,753,000 | 2,618 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,753,000 | 2,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,690 |
| Cash dividends | $370,000 | 3,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,681,320 | 2,562 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,138,000 | 2,809 |
| Total interest expense | $1,687,000 | 2,732 |
| Net interest income | $3,451,000 | 2,796 |
| Provision for loan and lease losses | $175,000 | 2,769 |
| Total noninterest income | $1,165,000 | 2,102 |
| Gross Fiduciary activities income | $12,000 | 1,199 |
| Service charges on deposit accounts | $293,000 | 2,703 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $860,000 | 1,696 |
| Total noninterest expense | $2,129,000 | 3,495 |
| Salaries and employee benefits | $1,222,000 | 3,322 |
| Premises and equipment expense | $360,000 | 3,008 |
| Additional noninterest expense | $547,000 | 3,973 |
| Pre-tax net operating income | $2,312,000 | 1,799 |
| Securities gains (losses) | $112,000 | 1,417 |
| Applicable income taxes | $885,000 | 1,498 |
| Income before extraordinary items | $1,539,000 | 2,062 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,539,000 | 2,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,940 |
| Cash dividends | $220,000 | 3,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,467,320 | 2,032 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 2,784 |
| Total interest expense | $861,000 | 2,744 |
| Net interest income | $1,755,000 | 2,764 |
| Provision for loan and lease losses | $82,000 | 2,707 |
| Total noninterest income | $890,000 | 1,456 |
| Gross Fiduciary activities income | $5,000 | 1,228 |
| Service charges on deposit accounts | $139,000 | 2,735 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $746,000 | 1,111 |
| Total noninterest expense | $1,073,000 | 3,464 |
| Salaries and employee benefits | $618,000 | 3,276 |
| Premises and equipment expense | $179,000 | 3,031 |
| Additional noninterest expense | $276,000 | 3,908 |
| Pre-tax net operating income | $1,490,000 | 1,440 |
| Securities gains (losses) | $113,000 | 931 |
| Applicable income taxes | $594,000 | 1,196 |
| Income before extraordinary items | $1,009,000 | 1,595 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,009,000 | 1,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,953 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $936,680 | 1,595 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,619,000 | 2,862 |
| Total interest expense | $3,722,000 | 2,923 |
| Net interest income | $6,897,000 | 2,775 |
| Provision for loan and lease losses | $260,000 | 3,766 |
| Total noninterest income | $771,000 | 4,093 |
| Gross Fiduciary activities income | $24,000 | 1,242 |
| Service charges on deposit accounts | $535,000 | 2,813 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $212,000 | 4,900 |
| Total noninterest expense | $4,367,000 | 3,307 |
| Salaries and employee benefits | $2,383,000 | 3,244 |
| Premises and equipment expense | $739,000 | 2,859 |
| Additional noninterest expense | $1,245,000 | 3,507 |
| Pre-tax net operating income | $3,041,000 | 2,474 |
| Securities gains (losses) | $122,000 | 1,572 |
| Applicable income taxes | $1,110,000 | 2,051 |
| Income before extraordinary items | $2,053,000 | 2,742 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,053,000 | 2,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,834 |
| Cash dividends | $390,000 | 3,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,973,700 | 2,744 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,605,000 | 3,152 |
| Total interest expense | $4,355,000 | 3,556 |
| Net interest income | $6,250,000 | 2,838 |
| Provision for loan and lease losses | $346,000 | 2,935 |
| Total noninterest income | $733,000 | 4,072 |
| Gross Fiduciary activities income | $23,000 | 1,282 |
| Service charges on deposit accounts | $488,000 | 2,892 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $222,000 | 4,718 |
| Total noninterest expense | $4,244,000 | 3,246 |
| Salaries and employee benefits | $2,262,000 | 3,242 |
| Premises and equipment expense | $839,000 | 2,514 |
| Additional noninterest expense | $1,143,000 | 3,656 |
| Pre-tax net operating income | $2,393,000 | 2,755 |
| Securities gains (losses) | $137,000 | 1,478 |
| Applicable income taxes | $860,000 | 2,311 |
| Income before extraordinary items | $1,670,000 | 2,970 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,670,000 | 2,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 2,353 |
| Cash dividends | $840,000 | 2,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,579,580 | 3,006 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,632,000 | 3,235 |
| Total interest expense | $4,427,000 | 3,674 |
| Net interest income | $6,205,000 | 2,853 |
| Provision for loan and lease losses | $280,000 | 3,006 |
| Total noninterest income | $639,000 | 4,247 |
| Gross Fiduciary activities income | $27,000 | 1,126 |
| Service charges on deposit accounts | $412,000 | 3,171 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $200,000 | 4,803 |
| Total noninterest expense | $4,136,000 | 3,240 |
| Salaries and employee benefits | $2,092,000 | 3,341 |
| Premises and equipment expense | $809,000 | 2,547 |
| Additional noninterest expense | $1,235,000 | 3,335 |
| Pre-tax net operating income | $2,428,000 | 2,827 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $820,000 | 2,476 |
| Income before extraordinary items | $1,606,000 | 3,075 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,606,000 | 3,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,295 |
| Cash dividends | $1,165,000 | 2,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,607,320 | 3,069 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,072,000 | 3,514 |
| Total interest expense | $3,516,000 | 4,029 |
| Net interest income | $5,556,000 | 3,123 |
| Provision for loan and lease losses | $192,000 | 3,644 |
| Total noninterest income | $742,000 | 3,809 |
| Gross Fiduciary activities income | $28,000 | 1,177 |
| Service charges on deposit accounts | $442,000 | 2,939 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $272,000 | 4,248 |
| Total noninterest expense | $3,787,000 | 3,482 |
| Salaries and employee benefits | $1,976,000 | 3,478 |
| Premises and equipment expense | $748,000 | 2,714 |
| Additional noninterest expense | $1,063,000 | 3,817 |
| Pre-tax net operating income | $2,319,000 | 2,975 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $791,000 | 2,671 |
| Income before extraordinary items | $1,524,000 | 3,199 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,524,000 | 3,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,871 |
| Cash dividends | $655,000 | 2,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,526,640 | 3,157 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,126,000 | 3,878 |
| Total interest expense | $3,215,000 | 4,461 |
| Net interest income | $4,911,000 | 3,460 |
| Provision for loan and lease losses | $168,000 | 3,936 |
| Total noninterest income | $969,000 | 3,157 |
| Gross Fiduciary activities income | $32,000 | 1,176 |
| Service charges on deposit accounts | $485,000 | 2,619 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $452,000 | 3,173 |
| Total noninterest expense | $3,761,000 | 3,402 |
| Salaries and employee benefits | $1,910,000 | 3,482 |
| Premises and equipment expense | $732,000 | 2,666 |
| Additional noninterest expense | $1,119,000 | 3,574 |
| Pre-tax net operating income | $1,951,000 | 3,403 |
| Securities gains (losses) | $-12,000 | 10,213 |
| Applicable income taxes | $659,000 | 3,167 |
| Income before extraordinary items | $1,280,000 | 3,737 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,280,000 | 3,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,910 |
| Cash dividends | $750,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,287,920 | 3,634 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,577,000 | 4,185 |
| Total interest expense | $2,906,000 | 4,853 |
| Net interest income | $4,671,000 | 3,709 |
| Provision for loan and lease losses | $88,000 | 5,481 |
| Total noninterest income | $843,000 | 3,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $535,000 | 2,459 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $308,000 | 3,860 |
| Total noninterest expense | $3,485,000 | 3,626 |
| Salaries and employee benefits | $1,718,000 | 3,800 |
| Premises and equipment expense | $685,000 | 2,797 |
| Additional noninterest expense | $1,082,000 | 3,637 |
| Pre-tax net operating income | $1,941,000 | 3,645 |
| Securities gains (losses) | $-29,000 | 10,497 |
| Applicable income taxes | $663,000 | 3,400 |
| Income before extraordinary items | $1,249,000 | 3,927 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,249,000 | 3,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,815 |
| Cash dividends | $635,000 | 2,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,267,850 | 3,809 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,247,000 | 4,425 |
| Total interest expense | $2,668,000 | 5,279 |
| Net interest income | $4,579,000 | 3,835 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $815,000 | 3,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $550,000 | 2,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,389 |
| Total noninterest expense | $3,411,000 | 3,868 |
| Salaries and employee benefits | $1,817,000 | 3,636 |
| Premises and equipment expense | $613,000 | 3,139 |
| Additional noninterest expense | $981,000 | 4,473 |
| Pre-tax net operating income | $1,887,000 | 3,571 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $665,000 | 3,298 |
| Income before extraordinary items | $1,238,000 | 3,776 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,238,000 | 3,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,017 |
| Cash dividends | $715,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,227,600 | 3,757 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,336,000 | 4,370 |
| Total interest expense | $2,630,000 | 5,342 |
| Net interest income | $4,706,000 | 3,735 |
| Provision for loan and lease losses | $135,000 | 3,846 |
| Total noninterest income | $865,000 | 3,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,403 |
| Total noninterest expense | $3,585,000 | 3,654 |
| Salaries and employee benefits | $1,825,000 | 3,600 |
| Premises and equipment expense | $599,000 | 3,207 |
| Additional noninterest expense | $1,161,000 | 3,853 |
| Pre-tax net operating income | $1,851,000 | 3,733 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $554,000 | 3,875 |
| Income before extraordinary items | $1,304,000 | 3,674 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,304,000 | 3,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,982 |
| Cash dividends | $880,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,299,100 | 3,664 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,582,000 | 4,477 |
| Total interest expense | $2,072,000 | 5,461 |
| Net interest income | $4,512,000 | 3,912 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $994,000 | 3,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $617,000 | 2,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $377,000 | 3,538 |
| Total noninterest expense | $3,665,000 | 3,689 |
| Salaries and employee benefits | $1,789,000 | 3,641 |
| Premises and equipment expense | $624,000 | 3,156 |
| Additional noninterest expense | $1,252,000 | 3,906 |
| Pre-tax net operating income | $1,809,000 | 3,725 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $531,000 | 3,878 |
| Income before extraordinary items | $1,299,000 | 3,593 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,299,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,444 |
| Cash dividends | $815,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,284,090 | 3,669 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,484,000 | 4,622 |
| Total interest expense | $2,089,000 | 5,637 |
| Net interest income | $4,395,000 | 4,038 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $894,000 | 3,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $632,000 | 2,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,871 |
| Total noninterest expense | $3,658,000 | 3,769 |
| Salaries and employee benefits | $1,826,000 | 3,564 |
| Premises and equipment expense | $657,000 | 3,047 |
| Additional noninterest expense | $1,175,000 | 4,270 |
| Pre-tax net operating income | $1,531,000 | 4,240 |
| Securities gains (losses) | $80,000 | 2,797 |
| Applicable income taxes | $403,000 | 4,976 |
| Income before extraordinary items | $1,208,000 | 3,998 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,208,000 | 4,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,534 |
| Cash dividends | $520,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,148,000 | 3,974 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,089,000 | 5,412 |
| Total interest expense | $2,320,000 | 6,359 |
| Net interest income | $3,769,000 | 4,701 |
| Provision for loan and lease losses | $210,000 | 5,090 |
| Total noninterest income | $896,000 | 3,635 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $591,000 | 2,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 4,373 |
| Total noninterest expense | $3,103,000 | 4,384 |
| Salaries and employee benefits | $1,574,000 | 4,045 |
| Premises and equipment expense | $479,000 | 4,127 |
| Additional noninterest expense | $1,050,000 | 4,858 |
| Pre-tax net operating income | $1,352,000 | 4,468 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $308,000 | 5,822 |
| Income before extraordinary items | $1,068,000 | 4,252 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,068,000 | 4,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 6,447 |
| Cash dividends | $395,000 | 3,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,049,280 | 4,007 |
* 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.