Bank 10, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,308,000 | 3,015 |
| Total interest expense | $1,536,000 | 2,924 |
| Net interest income | $1,772,000 | 3,081 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $449,000 | 2,363 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $396,000 | 1,087 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $53,000 | 4,993 |
| Total noninterest expense | $1,707,000 | 2,667 |
| Salaries and employee benefits | $974,000 | 2,599 |
| Premises and equipment expense | $195,000 | 3,183 |
| Additional noninterest expense | $538,000 | 2,454 |
| Pre-tax net operating income | $514,000 | 3,464 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $140,000 | 2,827 |
| Income before extraordinary items | $374,000 | 3,654 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $374,000 | 3,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,334 |
| Cash dividends | $2,000,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $374,000 | 3,633 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,736,000 | 2,747 |
| Total interest expense | $5,291,000 | 2,882 |
| Net interest income | $8,445,000 | 2,657 |
| Provision for loan and lease losses | $94,000 | 4,842 |
| Total noninterest income | $2,082,000 | 2,161 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,826,000 | 965 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $256,000 | 4,607 |
| Total noninterest expense | $6,585,000 | 2,661 |
| Salaries and employee benefits | $3,581,000 | 2,697 |
| Premises and equipment expense | $784,000 | 3,059 |
| Additional noninterest expense | $2,220,000 | 2,337 |
| Pre-tax net operating income | $3,848,000 | 2,325 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,252,000 | 1,907 |
| Income before extraordinary items | $2,596,000 | 2,533 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,596,000 | 2,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,906 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,596,000 | 2,512 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,252,000 | 2,737 |
| Total interest expense | $3,808,000 | 2,907 |
| Net interest income | $6,444,000 | 2,639 |
| Provision for loan and lease losses | $7,000 | 6,476 |
| Total noninterest income | $1,575,000 | 2,155 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,399,000 | 954 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $176,000 | 4,806 |
| Total noninterest expense | $4,931,000 | 2,660 |
| Salaries and employee benefits | $2,730,000 | 2,657 |
| Premises and equipment expense | $532,000 | 3,299 |
| Additional noninterest expense | $1,669,000 | 2,315 |
| Pre-tax net operating income | $3,081,000 | 2,285 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,014,000 | 1,864 |
| Income before extraordinary items | $2,067,000 | 2,494 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,067,000 | 2,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,067,000 | 2,484 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,558,000 | 2,800 |
| Total interest expense | $2,319,000 | 3,020 |
| Net interest income | $4,239,000 | 2,670 |
| Provision for loan and lease losses | $7,000 | 6,120 |
| Total noninterest income | $1,089,000 | 2,089 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $969,000 | 903 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 4,748 |
| Total noninterest expense | $3,336,000 | 2,630 |
| Salaries and employee benefits | $1,864,000 | 2,605 |
| Premises and equipment expense | $337,000 | 3,430 |
| Additional noninterest expense | $1,135,000 | 2,286 |
| Pre-tax net operating income | $1,985,000 | 2,322 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $649,000 | 1,951 |
| Income before extraordinary items | $1,336,000 | 2,562 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,336,000 | 2,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,460 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,336,000 | 2,544 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 2,871 |
| Total interest expense | $1,042,000 | 3,157 |
| Net interest income | $2,088,000 | 2,688 |
| Provision for loan and lease losses | $7,000 | 5,519 |
| Total noninterest income | $532,000 | 2,098 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $471,000 | 894 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $1,725,000 | 2,566 |
| Salaries and employee benefits | $968,000 | 2,519 |
| Premises and equipment expense | $172,000 | 3,386 |
| Additional noninterest expense | $585,000 | 2,214 |
| Pre-tax net operating income | $888,000 | 2,492 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $284,000 | 2,088 |
| Income before extraordinary items | $604,000 | 2,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $604,000 | 2,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $604,000 | 2,709 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,754,000 | 3,837 |
| Total interest expense | $2,320,000 | 4,016 |
| Net interest income | $5,434,000 | 3,716 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $1,213,000 | 3,120 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,083,000 | 1,610 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $130,000 | 5,978 |
| Total noninterest expense | $4,332,000 | 3,637 |
| Salaries and employee benefits | $2,165,000 | 3,894 |
| Premises and equipment expense | $497,000 | 4,193 |
| Additional noninterest expense | $1,670,000 | 2,967 |
| Pre-tax net operating income | $2,310,000 | 3,335 |
| Securities gains (losses) | $-25,000 | 7,924 |
| Applicable income taxes | $727,000 | 2,754 |
| Income before extraordinary items | $1,558,000 | 3,694 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,558,000 | 3,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,204 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,575,000 | 3,646 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,719,000 | 4,432 |
| Total interest expense | $1,406,000 | 4,499 |
| Net interest income | $3,313,000 | 4,323 |
| Provision for loan and lease losses | $2,000 | 6,852 |
| Total noninterest income | $754,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $649,000 | 1,970 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,862 |
| Total noninterest expense | $2,712,000 | 4,142 |
| Salaries and employee benefits | $1,375,000 | 4,379 |
| Premises and equipment expense | $288,000 | 4,976 |
| Additional noninterest expense | $1,049,000 | 3,382 |
| Pre-tax net operating income | $1,353,000 | 4,021 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $438,000 | 3,168 |
| Income before extraordinary items | $915,000 | 4,414 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $915,000 | 4,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $915,000 | 4,375 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 6,196 |
| Total interest expense | $600,000 | 5,567 |
| Net interest income | $1,108,000 | 6,402 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $297,000 | 4,818 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $255,000 | 2,976 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $42,000 | 6,689 |
| Total noninterest expense | $1,000,000 | 6,070 |
| Salaries and employee benefits | $547,000 | 6,061 |
| Premises and equipment expense | $115,000 | 6,391 |
| Additional noninterest expense | $338,000 | 5,645 |
| Pre-tax net operating income | $404,000 | 5,955 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $119,000 | 4,583 |
| Income before extraordinary items | $285,000 | 6,225 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $285,000 | 6,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $285,000 | 6,171 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,310,000 | 3,210 |
| Total interest expense | $699,000 | 3,119 |
| Net interest income | $1,611,000 | 3,209 |
| Provision for loan and lease losses | $1,000 | 6,172 |
| Total noninterest income | $413,000 | 2,446 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $340,000 | 1,206 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $73,000 | 4,368 |
| Total noninterest expense | $1,401,000 | 2,878 |
| Salaries and employee benefits | $823,000 | 2,710 |
| Premises and equipment expense | $179,000 | 3,170 |
| Additional noninterest expense | $399,000 | 3,017 |
| Pre-tax net operating income | $622,000 | 3,146 |
| Securities gains (losses) | $15,000 | 882 |
| Applicable income taxes | $5,000 | 6,381 |
| Income before extraordinary items | $632,000 | 2,508 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $632,000 | 2,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $149,000 | 2,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $617,150 | 2,516 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,743,000 | 3,173 |
| Total interest expense | $2,353,000 | 3,197 |
| Net interest income | $6,390,000 | 3,122 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $1,819,000 | 2,354 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,546,000 | 1,158 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $273,000 | 4,450 |
| Total noninterest expense | $5,300,000 | 2,952 |
| Salaries and employee benefits | $3,115,000 | 2,749 |
| Premises and equipment expense | $697,000 | 3,141 |
| Additional noninterest expense | $1,488,000 | 3,141 |
| Pre-tax net operating income | $2,897,000 | 2,668 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $17,000 | 6,599 |
| Income before extraordinary items | $2,880,000 | 2,157 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,880,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,501 |
| Cash dividends | $1,287,000 | 1,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,880,000 | 2,111 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,403,000 | 3,224 |
| Total interest expense | $1,675,000 | 3,282 |
| Net interest income | $4,731,000 | 3,135 |
| Provision for loan and lease losses | $8,000 | 6,855 |
| Total noninterest income | $1,355,000 | 2,369 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,155,000 | 1,154 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $200,000 | 4,502 |
| Total noninterest expense | $3,893,000 | 2,978 |
| Salaries and employee benefits | $2,275,000 | 2,787 |
| Premises and equipment expense | $540,000 | 3,054 |
| Additional noninterest expense | $1,078,000 | 3,210 |
| Pre-tax net operating income | $2,185,000 | 2,674 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $13,000 | 6,704 |
| Income before extraordinary items | $2,172,000 | 2,157 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,172,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,247 |
| Cash dividends | $1,157,000 | 1,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,172,000 | 2,103 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,180,000 | 3,274 |
| Total interest expense | $996,000 | 3,610 |
| Net interest income | $3,184,000 | 3,116 |
| Provision for loan and lease losses | $4,000 | 6,726 |
| Total noninterest income | $892,000 | 2,390 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $757,000 | 1,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $135,000 | 4,514 |
| Total noninterest expense | $2,569,000 | 3,007 |
| Salaries and employee benefits | $1,520,000 | 2,796 |
| Premises and equipment expense | $347,000 | 3,153 |
| Additional noninterest expense | $702,000 | 3,298 |
| Pre-tax net operating income | $1,503,000 | 2,581 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $9,000 | 6,693 |
| Income before extraordinary items | $1,494,000 | 2,079 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,494,000 | 2,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $892,000 | 1,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,494,000 | 2,024 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 3,298 |
| Total interest expense | $491,000 | 3,697 |
| Net interest income | $1,579,000 | 3,128 |
| Provision for loan and lease losses | $2,000 | 6,358 |
| Total noninterest income | $423,000 | 2,439 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $359,000 | 1,186 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $1,261,000 | 3,073 |
| Salaries and employee benefits | $732,000 | 2,897 |
| Premises and equipment expense | $184,000 | 3,026 |
| Additional noninterest expense | $345,000 | 3,329 |
| Pre-tax net operating income | $739,000 | 2,596 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $739,000 | 2,072 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $739,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $117,000 | 2,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $739,000 | 1,993 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,386,000 | 3,306 |
| Total interest expense | $2,304,000 | 3,569 |
| Net interest income | $6,082,000 | 3,142 |
| Provision for loan and lease losses | $40,000 | 6,511 |
| Total noninterest income | $1,696,000 | 2,596 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,410,000 | 1,232 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $286,000 | 4,601 |
| Total noninterest expense | $5,167,000 | 2,969 |
| Salaries and employee benefits | $2,895,000 | 2,853 |
| Premises and equipment expense | $746,000 | 2,919 |
| Additional noninterest expense | $1,526,000 | 3,029 |
| Pre-tax net operating income | $2,568,000 | 2,830 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,568,000 | 2,315 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,568,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 9,000 |
| Cash dividends | $861,000 | 2,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,568,000 | 2,215 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,318,000 | 3,331 |
| Total interest expense | $1,797,000 | 3,563 |
| Net interest income | $4,521,000 | 3,179 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $1,250,000 | 2,699 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,047,000 | 1,254 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $203,000 | 4,761 |
| Total noninterest expense | $3,714,000 | 3,062 |
| Salaries and employee benefits | $2,099,000 | 2,963 |
| Premises and equipment expense | $531,000 | 3,052 |
| Additional noninterest expense | $1,084,000 | 3,172 |
| Pre-tax net operating income | $2,017,000 | 2,830 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,017,000 | 2,311 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,017,000 | 2,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-165,000 | 9,142 |
| Cash dividends | $688,000 | 2,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,017,000 | 2,202 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,280,000 | 3,308 |
| Total interest expense | $1,254,000 | 3,535 |
| Net interest income | $3,026,000 | 3,162 |
| Provision for loan and lease losses | $37,000 | 5,547 |
| Total noninterest income | $837,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $699,000 | 1,236 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $138,000 | 4,712 |
| Total noninterest expense | $2,393,000 | 3,171 |
| Salaries and employee benefits | $1,386,000 | 2,988 |
| Premises and equipment expense | $345,000 | 3,115 |
| Additional noninterest expense | $662,000 | 3,397 |
| Pre-tax net operating income | $1,433,000 | 2,695 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,433,000 | 2,193 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,433,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-224,000 | 9,212 |
| Cash dividends | $508,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,433,000 | 2,074 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,066,000 | 3,432 |
| Total interest expense | $633,000 | 3,593 |
| Net interest income | $1,433,000 | 3,296 |
| Provision for loan and lease losses | $27,000 | 4,866 |
| Total noninterest income | $407,000 | 2,634 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $339,000 | 1,229 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 4,672 |
| Total noninterest expense | $1,197,000 | 3,160 |
| Salaries and employee benefits | $694,000 | 2,982 |
| Premises and equipment expense | $161,000 | 3,292 |
| Additional noninterest expense | $342,000 | 3,259 |
| Pre-tax net operating income | $616,000 | 3,015 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $616,000 | 2,476 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $616,000 | 2,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-253,000 | 9,281 |
| Cash dividends | $71,000 | 3,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $616,000 | 2,339 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,901,000 | 3,678 |
| Total interest expense | $2,838,000 | 3,690 |
| Net interest income | $5,063,000 | 3,636 |
| Provision for loan and lease losses | $270,000 | 3,677 |
| Total noninterest income | $1,623,000 | 2,493 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,348,000 | 1,202 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $275,000 | 4,443 |
| Total noninterest expense | $4,882,000 | 2,991 |
| Salaries and employee benefits | $2,559,000 | 3,056 |
| Premises and equipment expense | $793,000 | 2,706 |
| Additional noninterest expense | $1,530,000 | 2,915 |
| Pre-tax net operating income | $1,534,000 | 4,046 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $1,532,000 | 3,441 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,532,000 | 3,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,825 |
| Cash dividends | $525,000 | 3,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,532,000 | 3,333 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 4,055 |
| Total interest expense | $3,814,000 | 3,950 |
| Net interest income | $4,108,000 | 4,046 |
| Provision for loan and lease losses | $414,000 | 2,553 |
| Total noninterest income | $1,563,000 | 2,437 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,323,000 | 1,119 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $240,000 | 4,564 |
| Total noninterest expense | $4,556,000 | 3,057 |
| Salaries and employee benefits | $2,334,000 | 3,138 |
| Premises and equipment expense | $709,000 | 2,919 |
| Additional noninterest expense | $1,513,000 | 2,849 |
| Pre-tax net operating income | $701,000 | 5,814 |
| Securities gains (losses) | $46,000 | 2,438 |
| Applicable income taxes | $-27,000 | 9,080 |
| Income before extraordinary items | $774,000 | 4,955 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $774,000 | 4,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,304 |
| Cash dividends | $262,000 | 4,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $728,000 | 5,025 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,968,000 | 4,144 |
| Total interest expense | $3,612,000 | 4,294 |
| Net interest income | $4,356,000 | 3,906 |
| Provision for loan and lease losses | $445,000 | 2,079 |
| Total noninterest income | $1,293,000 | 2,609 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,070,000 | 1,267 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 4,540 |
| Total noninterest expense | $4,046,000 | 3,302 |
| Salaries and employee benefits | $2,185,000 | 3,214 |
| Premises and equipment expense | $660,000 | 3,028 |
| Additional noninterest expense | $1,201,000 | 3,427 |
| Pre-tax net operating income | $1,158,000 | 4,830 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,168,000 | 3,937 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,168,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,450 |
| Cash dividends | $329,000 | 4,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,158,000 | 3,950 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,025,000 | 4,381 |
| Total interest expense | $2,843,000 | 4,791 |
| Net interest income | $4,182,000 | 4,017 |
| Provision for loan and lease losses | $44,000 | 6,764 |
| Total noninterest income | $880,000 | 3,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $718,000 | 1,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,429 |
| Total noninterest expense | $3,712,000 | 3,542 |
| Salaries and employee benefits | $2,036,000 | 3,386 |
| Premises and equipment expense | $547,000 | 3,508 |
| Additional noninterest expense | $1,129,000 | 3,640 |
| Pre-tax net operating income | $1,306,000 | 4,504 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $-50,000 | 9,828 |
| Income before extraordinary items | $1,349,000 | 3,528 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,349,000 | 3,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,827 |
| Cash dividends | $753,000 | 2,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,356,000 | 3,475 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,477,000 | 4,688 |
| Total interest expense | $2,608,000 | 5,208 |
| Net interest income | $3,869,000 | 4,236 |
| Provision for loan and lease losses | $122,000 | 4,587 |
| Total noninterest income | $919,000 | 3,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $733,000 | 1,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,150 |
| Total noninterest expense | $3,160,000 | 3,929 |
| Salaries and employee benefits | $1,784,000 | 3,697 |
| Premises and equipment expense | $407,000 | 4,368 |
| Additional noninterest expense | $969,000 | 4,061 |
| Pre-tax net operating income | $1,506,000 | 4,173 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $125,000 | 7,175 |
| Income before extraordinary items | $1,381,000 | 3,484 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,381,000 | 3,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $1,050,000 | 2,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,381,000 | 3,387 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,753,000 | 5,220 |
| Total interest expense | $2,203,000 | 5,875 |
| Net interest income | $3,550,000 | 4,679 |
| Provision for loan and lease losses | $56,000 | 6,449 |
| Total noninterest income | $827,000 | 3,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $679,000 | 1,924 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,729 |
| Total noninterest expense | $2,834,000 | 4,290 |
| Salaries and employee benefits | $1,569,000 | 4,086 |
| Premises and equipment expense | $380,000 | 4,617 |
| Additional noninterest expense | $885,000 | 4,375 |
| Pre-tax net operating income | $1,487,000 | 4,525 |
| Securities gains (losses) | $89,000 | 1,043 |
| Applicable income taxes | $132,000 | 7,884 |
| Income before extraordinary items | $1,444,000 | 3,464 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,444,000 | 3,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,879 |
| Cash dividends | $236,000 | 5,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,362,120 | 3,576 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,081,000 | 5,866 |
| Total interest expense | $2,063,000 | 6,294 |
| Net interest income | $3,018,000 | 5,424 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $815,000 | 3,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $652,000 | 2,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $2,696,000 | 4,718 |
| Salaries and employee benefits | $1,485,000 | 4,348 |
| Premises and equipment expense | $287,000 | 5,753 |
| Additional noninterest expense | $924,000 | 4,665 |
| Pre-tax net operating income | $1,137,000 | 5,298 |
| Securities gains (losses) | $-34,000 | 10,892 |
| Applicable income taxes | $334,000 | 5,483 |
| Income before extraordinary items | $769,000 | 5,439 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $769,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $358,000 | 4,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $792,800 | 5,280 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,184,000 | 5,835 |
| Total interest expense | $2,348,000 | 5,813 |
| Net interest income | $2,836,000 | 5,752 |
| Provision for loan and lease losses | $19,000 | 7,763 |
| Total noninterest income | $722,000 | 3,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $590,000 | 2,301 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,351 |
| Total noninterest expense | $2,698,000 | 4,678 |
| Salaries and employee benefits | $1,464,000 | 4,378 |
| Premises and equipment expense | $303,000 | 5,581 |
| Additional noninterest expense | $931,000 | 4,623 |
| Pre-tax net operating income | $841,000 | 6,679 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $231,000 | 6,947 |
| Income before extraordinary items | $610,000 | 6,559 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $610,000 | 6,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,473 |
| Cash dividends | $313,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $610,000 | 6,542 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,667,000 | 5,984 |
| Total interest expense | $1,902,000 | 5,828 |
| Net interest income | $2,765,000 | 5,979 |
| Provision for loan and lease losses | $113,000 | 4,290 |
| Total noninterest income | $714,000 | 4,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $563,000 | 2,421 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 6,191 |
| Total noninterest expense | $2,612,000 | 4,962 |
| Salaries and employee benefits | $1,419,000 | 4,502 |
| Premises and equipment expense | $277,000 | 6,051 |
| Additional noninterest expense | $916,000 | 5,097 |
| Pre-tax net operating income | $754,000 | 7,108 |
| Securities gains (losses) | $-26,000 | 10,539 |
| Applicable income taxes | $193,000 | 7,460 |
| Income before extraordinary items | $535,000 | 7,040 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $535,000 | 7,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,203 |
| Cash dividends | $380,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $553,980 | 6,929 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,954,000 | 5,832 |
| Total interest expense | $2,081,000 | 5,657 |
| Net interest income | $2,873,000 | 5,846 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $691,000 | 4,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,397 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,385 |
| Total noninterest expense | $2,461,000 | 5,348 |
| Salaries and employee benefits | $1,371,000 | 4,647 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $841,000 | 5,679 |
| Pre-tax net operating income | $703,000 | 7,349 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $163,000 | 8,358 |
| Income before extraordinary items | $540,000 | 7,226 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $540,000 | 7,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 2,120 |
| Cash dividends | $335,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $540,000 | 6,974 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,270,000 | 6,117 |
| Total interest expense | $2,423,000 | 6,136 |
| Net interest income | $2,847,000 | 5,970 |
| Provision for loan and lease losses | $704,000 | 2,361 |
| Total noninterest income | $588,000 | 5,037 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $498,000 | 2,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,441 |
| Total noninterest expense | $2,167,000 | 5,998 |
| Salaries and employee benefits | $1,219,000 | 5,090 |
| Premises and equipment expense | $228,000 | 7,203 |
| Additional noninterest expense | $720,000 | 6,625 |
| Pre-tax net operating income | $564,000 | 7,960 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $156,000 | 8,466 |
| Income before extraordinary items | $410,000 | 8,109 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $410,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 3,200 |
| Cash dividends | $77,000 | 7,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $408,560 | 7,777 |
* 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.