Home > Bank of Choice > Income and Expense
Bank of Choice, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,677,000 | 1,187 |
| Total interest expense | $10,809,000 | 785 |
| Net interest income | $5,868,000 | 1,917 |
| Provision for loan and lease losses | $433,000 | 2,064 |
| Total noninterest income | $1,288,000 | 1,832 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $434,000 | 1,963 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $854,000 | 1,568 |
| Total noninterest expense | $7,013,000 | 1,368 |
| Salaries and employee benefits | $3,491,000 | 1,513 |
| Premises and equipment expense | $1,102,000 | 1,247 |
| Additional noninterest expense | $2,420,000 | 1,235 |
| Pre-tax net operating income | $-290,000 | 7,428 |
| Securities gains (losses) | $503,000 | 313 |
| Applicable income taxes | $-51,000 | 7,761 |
| Income before extraordinary items | $264,000 | 5,202 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $264,000 | 5,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $751,000 | 1,017 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-239,000 | 7,438 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,537,000 | 1,191 |
| Total interest expense | $5,474,000 | 825 |
| Net interest income | $3,063,000 | 1,825 |
| Provision for loan and lease losses | $163,000 | 2,049 |
| Total noninterest income | $745,000 | 1,658 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $200,000 | 2,084 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $545,000 | 1,326 |
| Total noninterest expense | $3,400,000 | 1,406 |
| Salaries and employee benefits | $1,755,000 | 1,522 |
| Premises and equipment expense | $548,000 | 1,251 |
| Additional noninterest expense | $1,097,000 | 1,311 |
| Pre-tax net operating income | $245,000 | 4,566 |
| Securities gains (losses) | $301,000 | 326 |
| Applicable income taxes | $141,000 | 2,399 |
| Income before extraordinary items | $405,000 | 3,167 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $405,000 | 3,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 828 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $182,260 | 4,737 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $35,208,000 | 1,198 |
| Total interest expense | $19,917,000 | 986 |
| Net interest income | $15,291,000 | 1,490 |
| Provision for loan and lease losses | $1,080,000 | 1,341 |
| Total noninterest income | $2,221,000 | 2,065 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $928,000 | 1,886 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,293,000 | 1,861 |
| Total noninterest expense | $13,160,000 | 1,409 |
| Salaries and employee benefits | $4,880,000 | 2,068 |
| Premises and equipment expense | $2,111,000 | 1,255 |
| Additional noninterest expense | $6,169,000 | 912 |
| Pre-tax net operating income | $3,272,000 | 2,317 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $996,000 | 1,869 |
| Income before extraordinary items | $2,276,000 | 2,557 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,276,000 | 2,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,821 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,276,000 | 2,550 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $25,857,000 | 1,224 |
| Total interest expense | $14,327,000 | 1,026 |
| Net interest income | $11,530,000 | 1,473 |
| Provision for loan and lease losses | $810,000 | 1,076 |
| Total noninterest income | $1,659,000 | 2,059 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $700,000 | 1,860 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $959,000 | 1,881 |
| Total noninterest expense | $9,680,000 | 1,414 |
| Salaries and employee benefits | $3,728,000 | 2,009 |
| Premises and equipment expense | $1,584,000 | 1,251 |
| Additional noninterest expense | $4,368,000 | 936 |
| Pre-tax net operating income | $2,699,000 | 2,286 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $841,000 | 1,838 |
| Income before extraordinary items | $1,858,000 | 2,538 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,858,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,542 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,858,000 | 2,508 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,745,000 | 1,272 |
| Total interest expense | $9,173,000 | 1,072 |
| Net interest income | $7,572,000 | 1,525 |
| Provision for loan and lease losses | $540,000 | 962 |
| Total noninterest income | $1,058,000 | 2,155 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $461,000 | 1,886 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $597,000 | 1,991 |
| Total noninterest expense | $6,156,000 | 1,495 |
| Salaries and employee benefits | $2,454,000 | 2,083 |
| Premises and equipment expense | $1,045,000 | 1,281 |
| Additional noninterest expense | $2,657,000 | 1,045 |
| Pre-tax net operating income | $1,934,000 | 2,229 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $615,000 | 1,814 |
| Income before extraordinary items | $1,319,000 | 2,449 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,319,000 | 2,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,319,000 | 2,434 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,156,000 | 1,304 |
| Total interest expense | $4,431,000 | 1,096 |
| Net interest income | $3,725,000 | 1,552 |
| Provision for loan and lease losses | $270,000 | 898 |
| Total noninterest income | $507,000 | 2,194 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $232,000 | 1,820 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $275,000 | 2,081 |
| Total noninterest expense | $2,966,000 | 1,550 |
| Salaries and employee benefits | $1,207,000 | 2,125 |
| Premises and equipment expense | $545,000 | 1,229 |
| Additional noninterest expense | $1,214,000 | 1,122 |
| Pre-tax net operating income | $996,000 | 2,172 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $322,000 | 1,773 |
| Income before extraordinary items | $674,000 | 2,409 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $674,000 | 2,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,468 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $674,000 | 2,391 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $29,593,000 | 1,346 |
| Total interest expense | $14,707,000 | 1,138 |
| Net interest income | $14,886,000 | 1,538 |
| Provision for loan and lease losses | $1,187,000 | 888 |
| Total noninterest income | $1,977,000 | 2,249 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,014,000 | 1,730 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $963,000 | 2,294 |
| Total noninterest expense | $11,731,000 | 1,523 |
| Salaries and employee benefits | $6,456,000 | 1,531 |
| Premises and equipment expense | $1,715,000 | 1,502 |
| Additional noninterest expense | $3,560,000 | 1,483 |
| Pre-tax net operating income | $3,945,000 | 2,284 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,242,000 | 1,916 |
| Income before extraordinary items | $2,703,000 | 2,455 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,703,000 | 2,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $756,000 | 866 |
| Cash dividends | $750,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,703,000 | 2,439 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,804,000 | 1,363 |
| Total interest expense | $10,548,000 | 1,162 |
| Net interest income | $11,256,000 | 1,536 |
| Provision for loan and lease losses | $937,000 | 801 |
| Total noninterest income | $1,563,000 | 2,162 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $779,000 | 1,699 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $784,000 | 2,162 |
| Total noninterest expense | $8,508,000 | 1,580 |
| Salaries and employee benefits | $4,759,000 | 1,561 |
| Premises and equipment expense | $1,239,000 | 1,568 |
| Additional noninterest expense | $2,510,000 | 1,565 |
| Pre-tax net operating income | $3,374,000 | 2,122 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,088,000 | 1,774 |
| Income before extraordinary items | $2,286,000 | 2,320 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,286,000 | 2,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 808 |
| Net operating income | $2,286,000 | 2,308 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,178,000 | 1,357 |
| Total interest expense | $6,635,000 | 1,168 |
| Net interest income | $7,543,000 | 1,524 |
| Provision for loan and lease losses | $637,000 | 775 |
| Total noninterest income | $1,019,000 | 2,191 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $512,000 | 1,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $507,000 | 2,195 |
| Total noninterest expense | $5,444,000 | 1,644 |
| Salaries and employee benefits | $3,057,000 | 1,621 |
| Premises and equipment expense | $790,000 | 1,630 |
| Additional noninterest expense | $1,597,000 | 1,657 |
| Pre-tax net operating income | $2,481,000 | 1,962 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $819,000 | 1,636 |
| Income before extraordinary items | $1,662,000 | 2,159 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,662,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,256 |
| Cash dividends | $550,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 782 |
| Net operating income | $1,662,000 | 2,145 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 1,360 |
| Total interest expense | $3,116,000 | 1,178 |
| Net interest income | $3,814,000 | 1,507 |
| Provision for loan and lease losses | $324,000 | 733 |
| Total noninterest income | $467,000 | 2,287 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $237,000 | 1,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $230,000 | 2,296 |
| Total noninterest expense | $2,574,000 | 1,735 |
| Salaries and employee benefits | $1,481,000 | 1,674 |
| Premises and equipment expense | $369,000 | 1,734 |
| Additional noninterest expense | $724,000 | 1,810 |
| Pre-tax net operating income | $1,383,000 | 1,749 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $453,000 | 1,508 |
| Income before extraordinary items | $930,000 | 1,916 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $930,000 | 1,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,195 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $930,000 | 1,893 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,527,000 | 1,476 |
| Total interest expense | $9,589,000 | 1,176 |
| Net interest income | $12,938,000 | 1,699 |
| Provision for loan and lease losses | $2,140,000 | 511 |
| Total noninterest income | $1,204,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $547,000 | 2,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $657,000 | 2,885 |
| Total noninterest expense | $10,205,000 | 1,674 |
| Salaries and employee benefits | $5,521,000 | 1,696 |
| Premises and equipment expense | $1,407,000 | 1,728 |
| Additional noninterest expense | $3,277,000 | 1,559 |
| Pre-tax net operating income | $1,797,000 | 3,958 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $517,000 | 3,318 |
| Income before extraordinary items | $1,280,000 | 4,192 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,280,000 | 4,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $979,000 | 687 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,280,000 | 4,164 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,103,000 | 1,510 |
| Total interest expense | $6,616,000 | 1,199 |
| Net interest income | $9,487,000 | 1,716 |
| Provision for loan and lease losses | $1,745,000 | 431 |
| Total noninterest income | $847,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $411,000 | 2,856 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $436,000 | 3,123 |
| Total noninterest expense | $6,956,000 | 1,808 |
| Salaries and employee benefits | $4,003,000 | 1,729 |
| Premises and equipment expense | $844,000 | 2,115 |
| Additional noninterest expense | $2,109,000 | 1,773 |
| Pre-tax net operating income | $1,633,000 | 3,534 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $501,000 | 2,934 |
| Income before extraordinary items | $1,132,000 | 3,828 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,132,000 | 3,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $792,000 | 587 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,132,000 | 3,778 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,006,000 | 1,604 |
| Total interest expense | $3,811,000 | 1,319 |
| Net interest income | $6,195,000 | 1,734 |
| Provision for loan and lease losses | $1,225,000 | 407 |
| Total noninterest income | $598,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $264,000 | 2,889 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $334,000 | 2,872 |
| Total noninterest expense | $4,337,000 | 1,911 |
| Salaries and employee benefits | $2,510,000 | 1,824 |
| Premises and equipment expense | $513,000 | 2,281 |
| Additional noninterest expense | $1,314,000 | 1,875 |
| Pre-tax net operating income | $1,231,000 | 3,183 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $381,000 | 2,686 |
| Income before extraordinary items | $850,000 | 3,494 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $850,000 | 3,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $493,000 | 605 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $850,000 | 3,446 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,675,000 | 1,677 |
| Total interest expense | $1,640,000 | 1,459 |
| Net interest income | $3,035,000 | 1,759 |
| Provision for loan and lease losses | $550,000 | 433 |
| Total noninterest income | $280,000 | 3,210 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $242,000 | 2,206 |
| Total noninterest expense | $2,083,000 | 1,988 |
| Salaries and employee benefits | $1,203,000 | 1,903 |
| Premises and equipment expense | $136,000 | 3,941 |
| Additional noninterest expense | $744,000 | 1,653 |
| Pre-tax net operating income | $682,000 | 2,915 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $207,000 | 2,538 |
| Income before extraordinary items | $475,000 | 3,162 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $475,000 | 3,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 501 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $475,000 | 3,122 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,653,000 | 1,942 |
| Total interest expense | $4,331,000 | 1,876 |
| Net interest income | $10,322,000 | 1,965 |
| Provision for loan and lease losses | $1,369,000 | 793 |
| Total noninterest income | $1,019,000 | 3,491 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $123,000 | 6,131 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $896,000 | 2,305 |
| Total noninterest expense | $6,640,000 | 2,403 |
| Salaries and employee benefits | $3,784,000 | 2,292 |
| Premises and equipment expense | $505,000 | 4,060 |
| Additional noninterest expense | $2,351,000 | 2,080 |
| Pre-tax net operating income | $3,332,000 | 2,366 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,132,000 | 1,978 |
| Income before extraordinary items | $2,200,000 | 2,698 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,200,000 | 2,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $713,000 | 987 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,200,000 | 2,646 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,411,000 | 2,015 |
| Total interest expense | $2,993,000 | 2,005 |
| Net interest income | $7,418,000 | 2,029 |
| Provision for loan and lease losses | $904,000 | 850 |
| Total noninterest income | $696,000 | 3,748 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $86,000 | 6,282 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $610,000 | 2,470 |
| Total noninterest expense | $4,599,000 | 2,550 |
| Salaries and employee benefits | $2,687,000 | 2,405 |
| Premises and equipment expense | $308,000 | 4,677 |
| Additional noninterest expense | $1,604,000 | 2,259 |
| Pre-tax net operating income | $2,611,000 | 2,304 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $964,000 | 1,835 |
| Income before extraordinary items | $1,647,000 | 2,741 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,647,000 | 2,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 805 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,647,000 | 2,680 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,521,000 | 2,156 |
| Total interest expense | $1,835,000 | 2,145 |
| Net interest income | $4,686,000 | 2,138 |
| Provision for loan and lease losses | $533,000 | 932 |
| Total noninterest income | $463,000 | 3,747 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $56,000 | 6,337 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $407,000 | 2,481 |
| Total noninterest expense | $2,906,000 | 2,704 |
| Salaries and employee benefits | $1,732,000 | 2,483 |
| Premises and equipment expense | $189,000 | 4,954 |
| Additional noninterest expense | $985,000 | 2,418 |
| Pre-tax net operating income | $1,710,000 | 2,319 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $631,000 | 1,853 |
| Income before extraordinary items | $1,079,000 | 2,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,079,000 | 2,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,713 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,079,000 | 2,680 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,058,000 | 2,294 |
| Total interest expense | $882,000 | 2,238 |
| Net interest income | $2,176,000 | 2,294 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $213,000 | 3,910 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $25,000 | 6,482 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $188,000 | 2,570 |
| Total noninterest expense | $1,350,000 | 2,894 |
| Salaries and employee benefits | $814,000 | 2,639 |
| Premises and equipment expense | $57,000 | 6,454 |
| Additional noninterest expense | $479,000 | 2,465 |
| Pre-tax net operating income | $814,000 | 2,390 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $280,000 | 2,024 |
| Income before extraordinary items | $534,000 | 2,781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $534,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,391 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $534,000 | 2,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,746,000 | 2,900 |
| Total interest expense | $3,250,000 | 2,665 |
| Net interest income | $6,496,000 | 2,956 |
| Provision for loan and lease losses | $1,065,000 | 1,122 |
| Total noninterest income | $683,000 | 4,619 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $83,000 | 6,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $600,000 | 3,255 |
| Total noninterest expense | $4,189,000 | 3,570 |
| Salaries and employee benefits | $2,376,000 | 3,408 |
| Premises and equipment expense | $311,000 | 5,569 |
| Additional noninterest expense | $1,502,000 | 3,079 |
| Pre-tax net operating income | $1,925,000 | 3,480 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $690,000 | 2,829 |
| Income before extraordinary items | $1,235,000 | 4,059 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,235,000 | 4,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 1,854 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $8,826,000 | 104 |
| Net operating income | $1,235,000 | 3,883 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,877,000 | 3,103 |
| Total interest expense | $2,446,000 | 2,733 |
| Net interest income | $4,431,000 | 3,242 |
| Provision for loan and lease losses | $710,000 | 1,202 |
| Total noninterest income | $443,000 | 5,056 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $61,000 | 6,927 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $382,000 | 3,614 |
| Total noninterest expense | $2,917,000 | 3,777 |
| Salaries and employee benefits | $1,654,000 | 3,602 |
| Premises and equipment expense | $413,000 | 3,763 |
| Additional noninterest expense | $850,000 | 3,895 |
| Pre-tax net operating income | $1,247,000 | 3,975 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $449,000 | 3,214 |
| Income before extraordinary items | $798,000 | 4,604 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $798,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,523 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $8,662,000 | 71 |
| Net operating income | $798,000 | 4,428 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,266,000 | 3,316 |
| Total interest expense | $1,687,000 | 2,732 |
| Net interest income | $2,579,000 | 3,614 |
| Provision for loan and lease losses | $380,000 | 1,463 |
| Total noninterest income | $177,000 | 6,263 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $38,000 | 7,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $139,000 | 4,696 |
| Total noninterest expense | $1,677,000 | 4,247 |
| Salaries and employee benefits | $982,000 | 3,977 |
| Premises and equipment expense | $253,000 | 4,005 |
| Additional noninterest expense | $442,000 | 4,655 |
| Pre-tax net operating income | $699,000 | 4,430 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $249,000 | 3,558 |
| Income before extraordinary items | $450,000 | 5,087 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $450,000 | 5,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,018 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $6,025,000 | 70 |
| Net operating income | $450,000 | 4,887 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,135,000 | 3,345 |
| Total interest expense | $893,000 | 2,660 |
| Net interest income | $1,242,000 | 3,705 |
| Provision for loan and lease losses | $140,000 | 1,874 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 4,730 |
| Total noninterest expense | $742,000 | 4,606 |
| Salaries and employee benefits | $438,000 | 4,336 |
| Premises and equipment expense | $111,000 | 4,414 |
| Additional noninterest expense | $193,000 | 5,097 |
| Pre-tax net operating income | $444,000 | 3,792 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $160,000 | 3,112 |
| Income before extraordinary items | $284,000 | 4,387 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 4,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,205 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $284,000 | 4,194 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,390,000 | 3,876 |
| Total interest expense | $3,470,000 | 3,135 |
| Net interest income | $3,920,000 | 4,412 |
| Provision for loan and lease losses | $245,000 | 3,904 |
| Total noninterest income | $384,000 | 5,882 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $70,000 | 7,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $314,000 | 4,159 |
| Total noninterest expense | $2,964,000 | 4,497 |
| Salaries and employee benefits | $1,607,000 | 4,445 |
| Premises and equipment expense | $432,000 | 4,382 |
| Additional noninterest expense | $925,000 | 4,446 |
| Pre-tax net operating income | $1,095,000 | 4,968 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $363,000 | 4,088 |
| Income before extraordinary items | $732,000 | 5,435 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $732,000 | 5,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $360,000 | 507 |
| Net operating income | $732,000 | 5,296 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,663,000 | 4,590 |
| Total interest expense | $3,614,000 | 4,109 |
| Net interest income | $3,049,000 | 5,001 |
| Provision for loan and lease losses | $238,000 | 3,783 |
| Total noninterest income | $283,000 | 6,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $61,000 | 7,379 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $222,000 | 4,718 |
| Total noninterest expense | $2,103,000 | 5,554 |
| Salaries and employee benefits | $1,211,000 | 5,288 |
| Premises and equipment expense | $298,000 | 5,543 |
| Additional noninterest expense | $594,000 | 5,874 |
| Pre-tax net operating income | $991,000 | 4,920 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $386,000 | 3,802 |
| Income before extraordinary items | $605,000 | 5,601 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $605,000 | 5,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $605,000 | 5,471 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,544,000 | 6,061 |
| Total interest expense | $2,238,000 | 5,922 |
| Net interest income | $2,306,000 | 6,103 |
| Provision for loan and lease losses | $171,000 | 4,128 |
| Total noninterest income | $177,000 | 7,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 7,980 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 5,618 |
| Total noninterest expense | $1,589,000 | 6,514 |
| Salaries and employee benefits | $871,000 | 6,410 |
| Premises and equipment expense | $227,000 | 6,359 |
| Additional noninterest expense | $491,000 | 6,496 |
| Pre-tax net operating income | $723,000 | 6,143 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $249,000 | 4,993 |
| Income before extraordinary items | $474,000 | 6,461 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $474,000 | 6,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,887,000 | 306 |
| Net operating income | $474,000 | 6,474 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,515,000 | 7,892 |
| Total interest expense | $1,225,000 | 7,586 |
| Net interest income | $1,290,000 | 8,007 |
| Provision for loan and lease losses | $143,000 | 4,386 |
| Total noninterest income | $84,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,498 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,600 |
| Total noninterest expense | $878,000 | 8,504 |
| Salaries and employee benefits | $480,000 | 8,459 |
| Premises and equipment expense | $111,000 | 8,406 |
| Additional noninterest expense | $287,000 | 8,229 |
| Pre-tax net operating income | $353,000 | 7,820 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $141,000 | 6,391 |
| Income before extraordinary items | $212,000 | 8,206 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $212,000 | 8,204 |
| 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 | $0 | 1,035 |
| Net operating income | $212,000 | 8,179 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,312,000 | 9,514 |
| Total interest expense | $657,000 | 9,314 |
| Net interest income | $655,000 | 9,599 |
| Provision for loan and lease losses | $125,000 | 4,532 |
| Total noninterest income | $32,000 | 10,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,901 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,291 |
| Total noninterest expense | $555,000 | 9,599 |
| Salaries and employee benefits | $319,000 | 9,502 |
| Premises and equipment expense | $61,000 | 9,545 |
| Additional noninterest expense | $175,000 | 9,400 |
| Pre-tax net operating income | $7,000 | 9,761 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-10,000 | 10,019 |
| Income before extraordinary items | $17,000 | 9,767 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $17,000 | 9,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $17,000 | 9,714 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $71,000 | 10,889 |
| Total interest expense | $28,000 | 10,851 |
| Net interest income | $43,000 | 10,895 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $28,000 | 10,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $273,000 | 10,744 |
| Salaries and employee benefits | $78,000 | 10,852 |
| Premises and equipment expense | $14,000 | 10,816 |
| Additional noninterest expense | $181,000 | 9,661 |
| Pre-tax net operating income | $-226,000 | 10,584 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-90,000 | 10,693 |
| Income before extraordinary items | $-136,000 | 10,561 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-136,000 | 10,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,373,000 | 286 |
| Net operating income | $-136,000 | 10,531 |
* 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.