Home > Bank of Anderson > Income and Expense
Bank of Anderson, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 3,992 |
| Total interest expense | $253,000 | 3,909 |
| Net interest income | $1,233,000 | 3,948 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $226,000 | 3,415 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $47,000 | 4,404 |
| Trading account gains and fees | $2,000 | 140 |
| Additional Noninterest Income | $177,000 | 2,830 |
| Total noninterest expense | $967,000 | 4,189 |
| Salaries and employee benefits | $509,000 | 4,159 |
| Premises and equipment expense | $85,000 | 4,786 |
| Additional noninterest expense | $373,000 | 3,806 |
| Pre-tax net operating income | $342,000 | 3,599 |
| Securities gains (losses) | $244,000 | 521 |
| Applicable income taxes | $127,000 | 2,202 |
| Income before extraordinary items | $459,000 | 2,790 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $459,000 | 2,792 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $459,000 | 2,793 |
| Net charge-offs | $191,000 | 1,890 |
| Cash dividends | $170,000 | 1,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $268,680 | 3,685 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,544,000 | 3,840 |
| Total interest expense | $1,412,000 | 3,592 |
| Net interest income | $5,132,000 | 3,840 |
| Provision for loan and lease losses | $625,000 | 3,098 |
| Total noninterest income | $657,000 | 3,900 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $193,000 | 4,443 |
| Trading account gains and fees | $28,000 | 124 |
| Additional Noninterest Income | $436,000 | 3,312 |
| Total noninterest expense | $4,195,000 | 3,981 |
| Salaries and employee benefits | $1,981,000 | 4,196 |
| Premises and equipment expense | $299,000 | 5,243 |
| Additional noninterest expense | $1,915,000 | 3,256 |
| Pre-tax net operating income | $969,000 | 3,787 |
| Securities gains (losses) | $23,000 | 3,024 |
| Applicable income taxes | $77,000 | 3,527 |
| Income before extraordinary items | $915,000 | 3,715 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $915,000 | 3,718 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $915,000 | 3,718 |
| Net charge-offs | $872,000 | 2,523 |
| Cash dividends | $412,000 | 2,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $893,840 | 3,641 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,968,000 | 3,848 |
| Total interest expense | $1,104,000 | 3,601 |
| Net interest income | $3,864,000 | 3,851 |
| Provision for loan and lease losses | $425,000 | 3,131 |
| Total noninterest income | $494,000 | 3,901 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $150,000 | 4,402 |
| Trading account gains and fees | $55,000 | 117 |
| Additional Noninterest Income | $289,000 | 3,515 |
| Total noninterest expense | $3,189,000 | 3,956 |
| Salaries and employee benefits | $1,477,000 | 4,214 |
| Premises and equipment expense | $224,000 | 5,284 |
| Additional noninterest expense | $1,488,000 | 3,176 |
| Pre-tax net operating income | $744,000 | 3,855 |
| Securities gains (losses) | $23,000 | 2,749 |
| Applicable income taxes | $78,000 | 3,386 |
| Income before extraordinary items | $689,000 | 3,778 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $689,000 | 3,780 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $689,000 | 3,780 |
| Net charge-offs | $617,000 | 2,431 |
| Cash dividends | $242,000 | 2,556 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $668,300 | 3,724 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,314,000 | 3,879 |
| Total interest expense | $765,000 | 3,615 |
| Net interest income | $2,549,000 | 3,890 |
| Provision for loan and lease losses | $200,000 | 3,519 |
| Total noninterest income | $375,000 | 3,691 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $96,000 | 4,453 |
| Trading account gains and fees | $93,000 | 105 |
| Additional Noninterest Income | $186,000 | 3,615 |
| Total noninterest expense | $2,113,000 | 4,020 |
| Salaries and employee benefits | $989,000 | 4,234 |
| Premises and equipment expense | $146,000 | 5,376 |
| Additional noninterest expense | $978,000 | 3,258 |
| Pre-tax net operating income | $611,000 | 3,444 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $96,000 | 2,894 |
| Income before extraordinary items | $515,000 | 3,524 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $515,000 | 3,525 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $515,000 | 3,525 |
| Net charge-offs | $369,000 | 2,449 |
| Cash dividends | $128,000 | 2,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $515,000 | 3,427 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 3,939 |
| Total interest expense | $397,000 | 3,627 |
| Net interest income | $1,241,000 | 3,964 |
| Provision for loan and lease losses | $150,000 | 2,750 |
| Total noninterest income | $175,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $50,000 | 4,342 |
| Trading account gains and fees | $43,000 | 113 |
| Additional Noninterest Income | $82,000 | 3,866 |
| Total noninterest expense | $967,000 | 4,271 |
| Salaries and employee benefits | $500,000 | 4,234 |
| Premises and equipment expense | $72,000 | 5,462 |
| Additional noninterest expense | $395,000 | 3,761 |
| Pre-tax net operating income | $299,000 | 3,535 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $48,000 | 2,863 |
| Income before extraordinary items | $251,000 | 3,576 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $251,000 | 3,573 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $251,000 | 3,574 |
| Net charge-offs | $140,000 | 2,416 |
| Cash dividends | $28,000 | 2,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $251,000 | 3,512 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,747,000 | 4,003 |
| Total interest expense | $1,947,000 | 3,638 |
| Net interest income | $4,800,000 | 4,074 |
| Provision for loan and lease losses | $1,195,000 | 2,791 |
| Total noninterest income | $665,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $259,000 | 3,944 |
| Trading account gains and fees | $-17,000 | 7,596 |
| Additional Noninterest Income | $423,000 | 3,426 |
| Total noninterest expense | $4,005,000 | 4,217 |
| Salaries and employee benefits | $2,016,000 | 4,208 |
| Premises and equipment expense | $323,000 | 5,248 |
| Additional noninterest expense | $1,666,000 | 3,724 |
| Pre-tax net operating income | $265,000 | 5,006 |
| Securities gains (losses) | $93,000 | 2,225 |
| Applicable income taxes | $-96,000 | 6,829 |
| Income before extraordinary items | $454,000 | 4,445 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $454,000 | 4,445 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $454,000 | 4,445 |
| Net charge-offs | $1,069,000 | 2,592 |
| Cash dividends | $100,000 | 3,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $361,000 | 4,599 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,044,000 | 4,084 |
| Total interest expense | $1,501,000 | 3,697 |
| Net interest income | $3,543,000 | 4,166 |
| Provision for loan and lease losses | $945,000 | 2,588 |
| Total noninterest income | $493,000 | 4,103 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $196,000 | 3,990 |
| Trading account gains and fees | $-26,000 | 7,704 |
| Additional Noninterest Income | $323,000 | 3,438 |
| Total noninterest expense | $2,874,000 | 4,346 |
| Salaries and employee benefits | $1,503,000 | 4,265 |
| Premises and equipment expense | $240,000 | 5,341 |
| Additional noninterest expense | $1,131,000 | 3,966 |
| Pre-tax net operating income | $217,000 | 5,191 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-94,000 | 7,070 |
| Income before extraordinary items | $311,000 | 4,822 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $311,000 | 4,825 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $311,000 | 4,825 |
| Net charge-offs | $764,000 | 2,521 |
| Cash dividends | $83,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $311,000 | 4,622 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,359,000 | 4,129 |
| Total interest expense | $1,003,000 | 3,799 |
| Net interest income | $2,356,000 | 4,177 |
| Provision for loan and lease losses | $370,000 | 3,308 |
| Total noninterest income | $306,000 | 4,221 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $127,000 | 4,034 |
| Trading account gains and fees | $-30,000 | 7,770 |
| Additional Noninterest Income | $209,000 | 3,441 |
| Total noninterest expense | $1,882,000 | 4,415 |
| Salaries and employee benefits | $1,013,000 | 4,256 |
| Premises and equipment expense | $159,000 | 5,389 |
| Additional noninterest expense | $710,000 | 4,112 |
| Pre-tax net operating income | $410,000 | 3,957 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $36,000 | 3,489 |
| Income before extraordinary items | $374,000 | 3,902 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $374,000 | 3,900 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $374,000 | 3,901 |
| Net charge-offs | $198,000 | 3,555 |
| Cash dividends | $55,000 | 3,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $374,000 | 3,795 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,669,000 | 4,202 |
| Total interest expense | $501,000 | 3,921 |
| Net interest income | $1,168,000 | 4,235 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $172,000 | 3,988 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $62,000 | 4,062 |
| Trading account gains and fees | $8,000 | 151 |
| Additional Noninterest Income | $102,000 | 3,485 |
| Total noninterest expense | $950,000 | 4,433 |
| Salaries and employee benefits | $511,000 | 4,288 |
| Premises and equipment expense | $81,000 | 5,414 |
| Additional noninterest expense | $358,000 | 4,080 |
| Pre-tax net operating income | $240,000 | 3,750 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $31,000 | 3,152 |
| Income before extraordinary items | $209,000 | 3,796 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $209,000 | 3,793 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $209,000 | 3,795 |
| Net charge-offs | $110,000 | 3,010 |
| Cash dividends | $28,000 | 2,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $209,000 | 3,675 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,854,000 | 4,231 |
| Total interest expense | $2,585,000 | 3,802 |
| Net interest income | $4,269,000 | 4,380 |
| Provision for loan and lease losses | $1,375,000 | 3,014 |
| Total noninterest income | $625,000 | 4,287 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $265,000 | 4,118 |
| Trading account gains and fees | $27,000 | 178 |
| Additional Noninterest Income | $333,000 | 3,838 |
| Total noninterest expense | $4,143,000 | 4,244 |
| Salaries and employee benefits | $2,034,000 | 4,307 |
| Premises and equipment expense | $336,000 | 5,405 |
| Additional noninterest expense | $1,773,000 | 3,641 |
| Pre-tax net operating income | $-624,000 | 6,065 |
| Securities gains (losses) | $2,000 | 3,583 |
| Applicable income taxes | $-440,000 | 6,997 |
| Income before extraordinary items | $-182,000 | 5,800 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-182,000 | 5,799 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-182,000 | 5,799 |
| Net charge-offs | $1,565,000 | 2,323 |
| Cash dividends | $62,000 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-183,280 | 5,792 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,158,000 | 4,280 |
| Total interest expense | $2,045,000 | 3,796 |
| Net interest income | $3,113,000 | 4,476 |
| Provision for loan and lease losses | $925,000 | 2,891 |
| Total noninterest income | $529,000 | 4,125 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $194,000 | 4,173 |
| Trading account gains and fees | $56,000 | 160 |
| Additional Noninterest Income | $279,000 | 3,732 |
| Total noninterest expense | $2,971,000 | 4,383 |
| Salaries and employee benefits | $1,530,000 | 4,324 |
| Premises and equipment expense | $263,000 | 5,354 |
| Additional noninterest expense | $1,178,000 | 3,918 |
| Pre-tax net operating income | $-254,000 | 6,087 |
| Securities gains (losses) | $2,000 | 3,313 |
| Applicable income taxes | $-257,000 | 7,163 |
| Income before extraordinary items | $5,000 | 5,752 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $5,000 | 5,752 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $5,000 | 5,752 |
| Net charge-offs | $1,314,000 | 1,910 |
| Cash dividends | $34,000 | 3,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,720 | 5,700 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,506,000 | 4,261 |
| Total interest expense | $1,450,000 | 3,759 |
| Net interest income | $2,056,000 | 4,503 |
| Provision for loan and lease losses | $225,000 | 4,165 |
| Total noninterest income | $367,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $133,000 | 4,108 |
| Trading account gains and fees | $33,000 | 156 |
| Additional Noninterest Income | $201,000 | 3,643 |
| Total noninterest expense | $1,932,000 | 4,478 |
| Salaries and employee benefits | $1,036,000 | 4,332 |
| Premises and equipment expense | $177,000 | 5,380 |
| Additional noninterest expense | $719,000 | 4,198 |
| Pre-tax net operating income | $266,000 | 4,310 |
| Securities gains (losses) | $3,000 | 2,873 |
| Applicable income taxes | $-14,000 | 6,830 |
| Income before extraordinary items | $283,000 | 4,051 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 4,051 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $283,000 | 4,051 |
| Net charge-offs | $283,000 | 3,005 |
| Cash dividends | $6,000 | 3,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $280,000 | 3,955 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,245 |
| Total interest expense | $748,000 | 3,780 |
| Net interest income | $1,046,000 | 4,447 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $201,000 | 3,795 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $69,000 | 3,996 |
| Trading account gains and fees | $4,000 | 154 |
| Additional Noninterest Income | $128,000 | 3,231 |
| Total noninterest expense | $993,000 | 4,325 |
| Salaries and employee benefits | $534,000 | 4,244 |
| Premises and equipment expense | $89,000 | 5,406 |
| Additional noninterest expense | $370,000 | 3,803 |
| Pre-tax net operating income | $179,000 | 4,219 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $7,000 | 4,167 |
| Income before extraordinary items | $172,000 | 4,117 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $172,000 | 4,120 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $172,000 | 4,120 |
| Net charge-offs | $67,000 | 3,273 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $172,000 | 3,962 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,877,000 | 4,176 |
| Total interest expense | $4,010,000 | 3,504 |
| Net interest income | $3,867,000 | 4,683 |
| Provision for loan and lease losses | $2,190,000 | 1,699 |
| Total noninterest income | $644,000 | 4,313 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $306,000 | 3,985 |
| Trading account gains and fees | $-48,000 | 8,205 |
| Additional Noninterest Income | $386,000 | 3,649 |
| Total noninterest expense | $4,359,000 | 3,975 |
| Salaries and employee benefits | $2,347,000 | 3,959 |
| Premises and equipment expense | $359,000 | 5,367 |
| Additional noninterest expense | $1,653,000 | 3,375 |
| Pre-tax net operating income | $-2,038,000 | 7,368 |
| Securities gains (losses) | $-990,000 | 7,738 |
| Applicable income taxes | $-1,255,000 | 7,787 |
| Income before extraordinary items | $-1,773,000 | 7,312 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,773,000 | 7,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,771,000 | 1,396 |
| Cash dividends | $353,000 | 3,861 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 324 |
| Net operating income | $-1,139,400 | 7,174 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,177,000 | 4,133 |
| Total interest expense | $3,183,000 | 3,475 |
| Net interest income | $2,994,000 | 4,622 |
| Provision for loan and lease losses | $1,490,000 | 1,435 |
| Total noninterest income | $474,000 | 4,449 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $234,000 | 3,983 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $240,000 | 4,096 |
| Total noninterest expense | $3,185,000 | 4,038 |
| Salaries and employee benefits | $1,744,000 | 4,016 |
| Premises and equipment expense | $263,000 | 5,450 |
| Additional noninterest expense | $1,178,000 | 3,437 |
| Pre-tax net operating income | $-1,207,000 | 7,635 |
| Securities gains (losses) | $-990,000 | 7,924 |
| Applicable income taxes | $-915,000 | 8,024 |
| Income before extraordinary items | $-1,282,000 | 7,636 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,282,000 | 7,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,491,000 | 1,017 |
| Cash dividends | $353,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-648,400 | 7,433 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,265,000 | 4,068 |
| Total interest expense | $2,237,000 | 3,457 |
| Net interest income | $2,028,000 | 4,582 |
| Provision for loan and lease losses | $655,000 | 1,600 |
| Total noninterest income | $297,000 | 4,647 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $153,000 | 4,023 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $144,000 | 4,380 |
| Total noninterest expense | $2,119,000 | 4,071 |
| Salaries and employee benefits | $1,134,000 | 4,122 |
| Premises and equipment expense | $170,000 | 5,570 |
| Additional noninterest expense | $815,000 | 3,312 |
| Pre-tax net operating income | $-449,000 | 7,568 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-265,000 | 8,047 |
| Income before extraordinary items | $-184,000 | 7,383 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-184,000 | 7,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 1,626 |
| Cash dividends | $353,000 | 2,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-184,000 | 7,364 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 4,009 |
| Total interest expense | $1,206,000 | 3,437 |
| Net interest income | $1,039,000 | 4,491 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $183,000 | 4,179 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $78,000 | 3,924 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $105,000 | 3,679 |
| Total noninterest expense | $1,103,000 | 3,948 |
| Salaries and employee benefits | $581,000 | 4,073 |
| Premises and equipment expense | $86,000 | 5,563 |
| Additional noninterest expense | $436,000 | 3,055 |
| Pre-tax net operating income | $109,000 | 5,910 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-11,000 | 7,849 |
| Income before extraordinary items | $120,000 | 5,569 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $120,000 | 5,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 958 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $120,000 | 5,471 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,656,000 | 3,852 |
| Total interest expense | $5,142,000 | 3,396 |
| Net interest income | $4,514,000 | 4,284 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $677,000 | 4,379 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $293,000 | 4,124 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $384,000 | 3,807 |
| Total noninterest expense | $4,171,000 | 3,982 |
| Salaries and employee benefits | $1,452,000 | 5,411 |
| Premises and equipment expense | $343,000 | 5,463 |
| Additional noninterest expense | $2,376,000 | 2,274 |
| Pre-tax net operating income | $1,020,000 | 4,707 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $138,000 | 4,204 |
| Income before extraordinary items | $882,000 | 4,586 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $882,000 | 4,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,631 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $882,000 | 4,579 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,223,000 | 3,877 |
| Total interest expense | $3,774,000 | 3,450 |
| Net interest income | $3,449,000 | 4,257 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $480,000 | 4,512 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $204,000 | 4,298 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $276,000 | 3,908 |
| Total noninterest expense | $3,080,000 | 4,015 |
| Salaries and employee benefits | $1,088,000 | 5,384 |
| Premises and equipment expense | $254,000 | 5,491 |
| Additional noninterest expense | $1,738,000 | 2,284 |
| Pre-tax net operating income | $849,000 | 4,716 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $130,000 | 4,187 |
| Income before extraordinary items | $719,000 | 4,590 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $719,000 | 4,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,703 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $719,000 | 4,583 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,738,000 | 3,929 |
| Total interest expense | $2,418,000 | 3,548 |
| Net interest income | $2,320,000 | 4,266 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $304,000 | 4,632 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $129,000 | 4,409 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $175,000 | 4,046 |
| Total noninterest expense | $2,044,000 | 4,072 |
| Salaries and employee benefits | $733,000 | 5,407 |
| Premises and equipment expense | $167,000 | 5,553 |
| Additional noninterest expense | $1,144,000 | 2,325 |
| Pre-tax net operating income | $580,000 | 4,747 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $89,000 | 4,247 |
| Income before extraordinary items | $491,000 | 4,583 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $491,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,631 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $491,000 | 4,580 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,335,000 | 3,962 |
| Total interest expense | $1,169,000 | 3,602 |
| Net interest income | $1,166,000 | 4,253 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $132,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $55,000 | 4,695 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $77,000 | 4,286 |
| Total noninterest expense | $1,014,000 | 4,100 |
| Salaries and employee benefits | $368,000 | 5,428 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $564,000 | 2,330 |
| Pre-tax net operating income | $284,000 | 4,776 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $42,000 | 4,302 |
| Income before extraordinary items | $242,000 | 4,642 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $242,000 | 4,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $242,000 | 4,629 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,521,000 | 3,708 |
| Total interest expense | $4,390,000 | 3,352 |
| Net interest income | $5,131,000 | 3,931 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $834,000 | 3,958 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $252,000 | 4,472 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $582,000 | 3,074 |
| Total noninterest expense | $4,903,000 | 3,403 |
| Salaries and employee benefits | $1,545,000 | 5,096 |
| Premises and equipment expense | $366,000 | 5,194 |
| Additional noninterest expense | $2,992,000 | 1,765 |
| Pre-tax net operating income | $962,000 | 5,285 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $220,000 | 4,188 |
| Income before extraordinary items | $742,000 | 5,377 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $742,000 | 5,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,158 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $742,000 | 5,371 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,109,000 | 3,701 |
| Total interest expense | $3,138,000 | 3,382 |
| Net interest income | $3,971,000 | 3,868 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $643,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $186,000 | 4,543 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $457,000 | 2,987 |
| Total noninterest expense | $3,367,000 | 3,642 |
| Salaries and employee benefits | $1,146,000 | 5,119 |
| Premises and equipment expense | $276,000 | 5,197 |
| Additional noninterest expense | $1,945,000 | 2,013 |
| Pre-tax net operating income | $1,147,000 | 4,419 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $346,000 | 3,383 |
| Income before extraordinary items | $801,000 | 4,692 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $801,000 | 4,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,486 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $801,000 | 4,688 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 3,678 |
| Total interest expense | $1,981,000 | 3,411 |
| Net interest income | $2,705,000 | 3,829 |
| Provision for loan and lease losses | $100,000 | 3,294 |
| Total noninterest income | $449,000 | 3,770 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $124,000 | 4,534 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $325,000 | 2,871 |
| Total noninterest expense | $2,355,000 | 3,511 |
| Salaries and employee benefits | $797,000 | 4,992 |
| Premises and equipment expense | $184,000 | 5,197 |
| Additional noninterest expense | $1,374,000 | 1,897 |
| Pre-tax net operating income | $699,000 | 4,639 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $214,000 | 3,527 |
| Income before extraordinary items | $485,000 | 4,957 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $485,000 | 4,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,422 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $485,000 | 4,952 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 3,579 |
| Total interest expense | $942,000 | 3,409 |
| Net interest income | $1,426,000 | 3,684 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $274,000 | 3,271 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $61,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $213,000 | 2,402 |
| Total noninterest expense | $1,220,000 | 3,417 |
| Salaries and employee benefits | $422,000 | 4,846 |
| Premises and equipment expense | $94,000 | 5,139 |
| Additional noninterest expense | $704,000 | 1,857 |
| Pre-tax net operating income | $405,000 | 4,250 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $113,000 | 3,429 |
| Income before extraordinary items | $292,000 | 4,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $292,000 | 4,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $292,000 | 4,470 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,445,000 | 3,595 |
| Total interest expense | $3,149,000 | 3,197 |
| Net interest income | $5,296,000 | 3,791 |
| Provision for loan and lease losses | $467,000 | 2,013 |
| Total noninterest income | $682,000 | 4,455 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $288,000 | 4,280 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $394,000 | 3,802 |
| Total noninterest expense | $3,992,000 | 3,864 |
| Salaries and employee benefits | $1,513,000 | 5,017 |
| Premises and equipment expense | $376,000 | 5,053 |
| Additional noninterest expense | $2,103,000 | 2,372 |
| Pre-tax net operating income | $1,519,000 | 4,343 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $486,000 | 3,412 |
| Income before extraordinary items | $1,037,000 | 4,736 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,037,000 | 4,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,777 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,034,280 | 4,713 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,106,000 | 3,652 |
| Total interest expense | $2,294,000 | 3,145 |
| Net interest income | $3,812,000 | 3,899 |
| Provision for loan and lease losses | $260,000 | 2,468 |
| Total noninterest income | $496,000 | 4,565 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $215,000 | 4,306 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $281,000 | 3,915 |
| Total noninterest expense | $2,979,000 | 3,854 |
| Salaries and employee benefits | $1,164,000 | 4,917 |
| Premises and equipment expense | $282,000 | 5,040 |
| Additional noninterest expense | $1,533,000 | 2,403 |
| Pre-tax net operating income | $1,069,000 | 4,606 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $346,000 | 3,547 |
| Income before extraordinary items | $727,000 | 4,985 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $727,000 | 4,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,913 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $724,280 | 4,953 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,907,000 | 3,711 |
| Total interest expense | $1,455,000 | 3,122 |
| Net interest income | $2,452,000 | 3,984 |
| Provision for loan and lease losses | $170,000 | 2,439 |
| Total noninterest income | $328,000 | 4,550 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $155,000 | 4,080 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $173,000 | 4,019 |
| Total noninterest expense | $1,927,000 | 3,929 |
| Salaries and employee benefits | $760,000 | 4,971 |
| Premises and equipment expense | $189,000 | 5,007 |
| Additional noninterest expense | $978,000 | 2,484 |
| Pre-tax net operating income | $683,000 | 4,685 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $222,000 | 3,612 |
| Income before extraordinary items | $465,000 | 5,057 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $465,000 | 5,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,310 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $462,280 | 5,034 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,880,000 | 3,776 |
| Total interest expense | $672,000 | 3,222 |
| Net interest income | $1,208,000 | 4,041 |
| Provision for loan and lease losses | $80,000 | 2,398 |
| Total noninterest income | $167,000 | 4,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $87,000 | 3,754 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $80,000 | 4,199 |
| Total noninterest expense | $953,000 | 3,989 |
| Salaries and employee benefits | $380,000 | 4,998 |
| Premises and equipment expense | $97,000 | 4,978 |
| Additional noninterest expense | $476,000 | 2,549 |
| Pre-tax net operating income | $342,000 | 4,652 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $112,000 | 3,590 |
| Income before extraordinary items | $234,000 | 5,039 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $234,000 | 5,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $231,280 | 5,028 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 3,959 |
| Total interest expense | $2,050,000 | 3,576 |
| Net interest income | $4,590,000 | 4,060 |
| Provision for loan and lease losses | $240,000 | 3,319 |
| Total noninterest income | $658,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $291,000 | 4,385 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $367,000 | 3,876 |
| Total noninterest expense | $3,366,000 | 4,306 |
| Salaries and employee benefits | $1,370,000 | 5,259 |
| Premises and equipment expense | $315,000 | 5,536 |
| Additional noninterest expense | $1,681,000 | 2,830 |
| Pre-tax net operating income | $1,642,000 | 4,026 |
| Securities gains (losses) | $18,000 | 2,469 |
| Applicable income taxes | $556,000 | 3,162 |
| Income before extraordinary items | $1,104,000 | 4,426 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,104,000 | 4,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,264 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,091,940 | 4,388 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,845,000 | 4,017 |
| Total interest expense | $1,490,000 | 3,634 |
| Net interest income | $3,355,000 | 4,131 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $491,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $209,000 | 4,523 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $282,000 | 3,848 |
| Total noninterest expense | $2,475,000 | 4,324 |
| Salaries and employee benefits | $1,017,000 | 5,265 |
| Premises and equipment expense | $224,000 | 5,655 |
| Additional noninterest expense | $1,234,000 | 2,856 |
| Pre-tax net operating income | $1,191,000 | 4,171 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $406,000 | 3,274 |
| Income before extraordinary items | $803,000 | 4,620 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $803,000 | 4,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,054 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $791,120 | 4,569 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,155,000 | 4,095 |
| Total interest expense | $987,000 | 3,641 |
| Net interest income | $2,168,000 | 4,233 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $335,000 | 4,530 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $147,000 | 4,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $188,000 | 3,858 |
| Total noninterest expense | $1,638,000 | 4,386 |
| Salaries and employee benefits | $682,000 | 5,271 |
| Premises and equipment expense | $139,000 | 5,891 |
| Additional noninterest expense | $817,000 | 2,882 |
| Pre-tax net operating income | $745,000 | 4,293 |
| Securities gains (losses) | $17,000 | 2,130 |
| Applicable income taxes | $257,000 | 3,344 |
| Income before extraordinary items | $505,000 | 4,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $505,000 | 4,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $493,780 | 4,677 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,574,000 | 4,127 |
| Total interest expense | $495,000 | 3,678 |
| Net interest income | $1,079,000 | 4,250 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $143,000 | 4,895 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 4,298 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $69,000 | 4,468 |
| Total noninterest expense | $807,000 | 4,442 |
| Salaries and employee benefits | $337,000 | 5,325 |
| Premises and equipment expense | $68,000 | 5,967 |
| Additional noninterest expense | $402,000 | 2,899 |
| Pre-tax net operating income | $355,000 | 4,394 |
| Securities gains (losses) | $14,000 | 1,880 |
| Applicable income taxes | $127,000 | 3,389 |
| Income before extraordinary items | $242,000 | 4,839 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $242,000 | 4,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $232,760 | 4,828 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,197,000 | 4,216 |
| Total interest expense | $2,124,000 | 3,847 |
| Net interest income | $4,073,000 | 4,308 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $617,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $212,000 | 5,139 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $405,000 | 3,951 |
| Total noninterest expense | $2,898,000 | 4,725 |
| Salaries and employee benefits | $1,197,000 | 5,653 |
| Premises and equipment expense | $230,000 | 6,432 |
| Additional noninterest expense | $1,471,000 | 3,144 |
| Pre-tax net operating income | $1,592,000 | 3,973 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $573,000 | 3,148 |
| Income before extraordinary items | $1,030,000 | 4,564 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,030,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,174 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,022,960 | 4,413 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,660,000 | 4,258 |
| Total interest expense | $1,646,000 | 3,851 |
| Net interest income | $3,014,000 | 4,370 |
| Provision for loan and lease losses | $140,000 | 4,015 |
| Total noninterest income | $512,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $153,000 | 5,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $359,000 | 3,733 |
| Total noninterest expense | $2,088,000 | 4,842 |
| Salaries and employee benefits | $870,000 | 5,723 |
| Premises and equipment expense | $156,000 | 6,687 |
| Additional noninterest expense | $1,062,000 | 3,220 |
| Pre-tax net operating income | $1,298,000 | 3,851 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $471,000 | 3,133 |
| Income before extraordinary items | $838,000 | 4,475 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $838,000 | 4,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $830,960 | 4,327 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,150,000 | 4,249 |
| Total interest expense | $1,160,000 | 3,778 |
| Net interest income | $1,990,000 | 4,416 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $353,000 | 4,563 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $98,000 | 5,331 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $255,000 | 3,592 |
| Total noninterest expense | $1,335,000 | 4,966 |
| Salaries and employee benefits | $552,000 | 5,902 |
| Premises and equipment expense | $88,000 | 7,078 |
| Additional noninterest expense | $695,000 | 3,253 |
| Pre-tax net operating income | $928,000 | 3,685 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $338,000 | 3,017 |
| Income before extraordinary items | $595,000 | 4,328 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $595,000 | 4,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $591,800 | 4,134 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,610,000 | 4,211 |
| Total interest expense | $618,000 | 3,656 |
| Net interest income | $992,000 | 4,424 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $172,000 | 4,541 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $117,000 | 3,650 |
| Total noninterest expense | $662,000 | 4,998 |
| Salaries and employee benefits | $272,000 | 5,952 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $346,000 | 3,225 |
| Pre-tax net operating income | $472,000 | 3,636 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $172,000 | 2,956 |
| Income before extraordinary items | $300,000 | 4,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $300,000 | 4,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $300,000 | 4,049 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 4,917 |
| Total interest expense | $2,297,000 | 4,375 |
| Net interest income | $3,084,000 | 5,197 |
| Provision for loan and lease losses | $130,000 | 5,190 |
| Total noninterest income | $461,000 | 5,435 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $168,000 | 5,621 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $293,000 | 4,314 |
| Total noninterest expense | $2,144,000 | 5,616 |
| Salaries and employee benefits | $898,000 | 6,526 |
| Premises and equipment expense | $174,000 | 7,109 |
| Additional noninterest expense | $1,072,000 | 3,959 |
| Pre-tax net operating income | $1,271,000 | 4,557 |
| Securities gains (losses) | $15,000 | 3,365 |
| Applicable income taxes | $477,000 | 3,546 |
| Income before extraordinary items | $809,000 | 5,175 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $809,000 | 5,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,742 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 327 |
| Net operating income | $799,400 | 5,073 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,614,000 | 5,890 |
| Total interest expense | $2,613,000 | 5,253 |
| Net interest income | $2,001,000 | 6,435 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $382,000 | 5,806 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $148,000 | 5,823 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $234,000 | 4,609 |
| Total noninterest expense | $1,623,000 | 6,533 |
| Salaries and employee benefits | $662,000 | 7,372 |
| Premises and equipment expense | $167,000 | 7,259 |
| Additional noninterest expense | $794,000 | 4,807 |
| Pre-tax net operating income | $610,000 | 6,135 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $226,000 | 4,792 |
| Income before extraordinary items | $384,000 | 6,666 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $384,000 | 6,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,841 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $384,000 | 6,529 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,978,000 | 6,511 |
| Total interest expense | $2,257,000 | 5,895 |
| Net interest income | $1,721,000 | 7,077 |
| Provision for loan and lease losses | $198,000 | 3,793 |
| Total noninterest income | $168,000 | 7,647 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,329 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,317 |
| Total noninterest expense | $1,328,000 | 7,172 |
| Salaries and employee benefits | $566,000 | 7,882 |
| Premises and equipment expense | $139,000 | 7,766 |
| Additional noninterest expense | $623,000 | 5,638 |
| Pre-tax net operating income | $363,000 | 7,632 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $142,000 | 6,017 |
| Income before extraordinary items | $221,000 | 7,950 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $221,000 | 7,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $221,000 | 7,953 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 8,225 |
| Total interest expense | $1,252,000 | 7,510 |
| Net interest income | $971,000 | 8,698 |
| Provision for loan and lease losses | $219,000 | 3,378 |
| Total noninterest income | $131,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,320 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,585 |
| Total noninterest expense | $1,122,000 | 7,786 |
| Salaries and employee benefits | $528,000 | 8,169 |
| Premises and equipment expense | $121,000 | 8,213 |
| Additional noninterest expense | $473,000 | 6,724 |
| Pre-tax net operating income | $-239,000 | 9,666 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-81,000 | 9,888 |
| Income before extraordinary items | $-158,000 | 9,635 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-158,000 | 9,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 507 |
| Net operating income | $-158,000 | 9,614 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $319,000 | 10,304 |
| Total interest expense | $149,000 | 10,245 |
| Net interest income | $170,000 | 10,327 |
| Provision for loan and lease losses | $93,000 | 5,273 |
| Total noninterest income | $20,000 | 10,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,525 |
| Total noninterest expense | $462,000 | 9,899 |
| Salaries and employee benefits | $238,000 | 9,935 |
| Premises and equipment expense | $32,000 | 10,146 |
| Additional noninterest expense | $192,000 | 9,205 |
| Pre-tax net operating income | $-365,000 | 10,113 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-124,000 | 10,252 |
| Income before extraordinary items | $-241,000 | 10,073 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-241,000 | 10,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 259 |
| Net operating income | $-241,000 | 10,042 |
* 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.